Collier County property record for 423 Ridge Ct, Naples, FL 34108
| Property Type | Single Family Home |
|---|---|
| Details | 8,021 sqft · built 2003 |
| Lot Size | 1.18 acres (51,836 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,100,000 (Mar 2020) |
| Tax Bill | $36,564 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone AH (high risk) |
| APN | 561400 L 314A03 |
| Primary APN | 561400 L 314A03 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 8,021 sqft Living Area |
| Gross Area | 9,661 sqft |
| 1st Floor Area | 5,181 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 51,836 sqft |
| Garage Type | Attached |
| Garage Area | 1,640 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 648 sqft |
| Deck Area | 320 sqft |
| Total Buildings | 2 Buildings |
| Street Address | 423 RIDGE CT |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34108-2602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | PINE RIDGE EXT BLK L LOT 31 |
| Legal Range | 25 |
| Legal Township | 49 |
| Legal Section | 3 |
| Legal Subdivision | PINE RIDGE EXTENSION |
| Legal Tract | 561400 |
| Legal Block | L |
| Legal Lot Number | 31 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10205 |
423 Ridge Ct is owned and occupied by two individuals who bought it in March 2020.
Source: Collier County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 423 RIDGE CT, NAPLES, FL 34108-2602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Mar 27, 2020 | Warranty Deed, Transfer LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2020 · Amount on File |
| Deed Sale | Mar 27, 2020 · Amount on File |
| Prior Sale | Aug 20, 2013 · Amount on File |
| Deed Document Number | 20205848717 |
| Deed Book / Page | 5744 / 2858 |
| Prior Transfer Date | Nov 24, 2003 |
| Prior Transfer Doc | 3490002335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 423 RIDGE CT, NAPLES, FL 34108-2602 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0061231213 |
|---|---|
| Date | May 8, 2022 |
| Book Page | 6123/1213 |
| Instrument | 6248234 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
| Max Rate | 8.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Mar 27, 2020 |
| Property Address | 423 RIDGE CT, NAPLES, FL 34108-2602 |
| Document Number | 0057442858 |
| Book / Page | 005744 / 002858 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 5848717 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,700.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 423 RIDGE CT NAPLES FL 341082602, NAPLES, FL 34108-2602 |
| Document Number | 57442860 |
|---|---|
| Date | Mar 27, 2020 |
| Book Page | 005744/002860 |
| Instrument | 5848718 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | 4027 LAKE DR, GRAND RAPIDS, MI 49501 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 26, 2050 |
The 2025 property tax bill for 423 Ridge Ct was $36,564 with a homeowner's exemption.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,934,141 (+2.7%) | $7,250,921 (+23.98%) Land $2,673,534 Building $4,577,387 | |
| 2025 | $36,564.00 Homeowner's exemption | $3,830,712 | $5,848,425 Land $2,917,431 Building $2,930,994 |
| 2023 | $35,577.00 (-3.23%) Homeowner's exemption | $3,614,322 (+3%) | $8,290,628 (+136.26%) Land $5,220,666 Building $3,069,962 |
| 2022 | $36,765.00 Homeowner's exemption | $3,509,050 Land $1,789,614 Building $1,719,436 | $3,509,050 Land $1,789,614 Building $1,719,436 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 423 Ridge Ct in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AH high risk · shallow ponding 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 167 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 167 in force |
| Nearby Flood Claims | 23 (1995–2017) |
| Claims Outside the SFHA | 13 of 23 |
| Most Recent Claim | Oct 2017 · Hurricane Irma |
| Claims by Event |
|
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 risk around 423 Ridge Ct is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber · DSL in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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