415 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 415 Saddlebrook Ln, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	2,888 sqft · built 2006
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$1,040,000 (Dec 2025)
Tax Bill	$4,637 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2023 Document
Flood Zone	Zone X (moderate risk)
APN	`412650 223A23`

Property Details

APN / Parcel Number

Primary APN	`412650 223A23`
Alternative APN	`50940009784`

Interior

Stories	1 Story
Building Area	2,888 sqft Living Area
1st Floor Area	2,888 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Masonry / Concrete Block
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	168 ft deep x 93 ft wide
Pool Area	264 sqft
Deck Area	454 sqft

Location & Zoning

Street Address	415 SADDLEBROOK LN
City	NAPLES
State	FL
Zip	34110-1379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3
Legal Description	HORSE CREEK ESTATES LOT 22
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Block	1
Legal Lot Number	22
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1000
Census Tract	10108

Owner

Source: Collier County assessment roll, as of September 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	564 RIDGE DR, NAPLES, FL 34108-2674
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 2, 2023	ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	May 7, 2014 · Amount on Record
Deed Document Number	20256760979
Deed Book / Page	6533 / 2599
Prior Transfer Date	Jul 14, 2023
Prior Transfer Doc	0062733646
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 9, 2025
Property Address	415 SADDLEBROOK LN, NAPLES, FL 34110-1379
Document Number	0065332599
Book / Page	6533 / 2599
Map Reference	MB 41 PG 74
Instrument Date	Dec 5, 2025
Instrument	6760979
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	UNKNOWN, ROSS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4342 COVEY CIR, NAPLES, FL 34109-2505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	564 RIDGE DR, NAPLES, FL 34108-2674

Mortgage

Document Number	0065332601
Date	Dec 9, 2025
Instrument	6533/2601

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	SOFR Average 30-Day
Max Rate	10.1%

August 2023:

Jurisdiction	COLLIER FL
Recording Date	Aug 2, 2023
Property Address	415 SADDLEBROOK LN, NAPLES, FL 34110-1379
Document Number	0062733646
Book / Page	6273 / 3646
Map Reference	MB 41 PG 74
Instrument Date	Jul 14, 2023
Instrument	6435560
Record Updated	Aug 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 SADDLEBROOK LN, NAPLES, FL 34110-1379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 SADDLEBROOK LN, NAPLES, FL 34110-1374

Tax Assessment & Valuation

Source: Collier County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,637.00 (+2.41%) Homeowner's exemption	$472,786 (+5.99%)	$1,176,938 (+12.84%) Land $644,927 Building $532,011
2024	$4,528.00 (+1.05%)
2023	$4,481.00 (+1.98%) Homeowner's exemption	$446,080 (+3%)	$1,042,990 (-2.26%) Land $477,011 Building $565,979
2022	$4,394.00 Homeowner's exemption	$433,087	$1,067,067 Land $465,155 Building $601,912

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 483 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	579 units insured incl. 96 condo units
Nearby Flood Claims	106 (1980–2024)
Claims Outside the SFHA	10 of 106
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 35 claims Hurricane Ian, Sep 2022 · 28 claims Hurricane Irma, Sep 2017 · 21 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLLIER COUNTY REGIONAL WTP serves 216,993 people · EPA ID FL5114069
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	9 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Orlando Telephone Company.

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