425 Pine Lake Dr, Naples, FL 34112 Property Records

Collier County property record for 425 Pine Lake Dr, Naples, FL 34112

Property Summary

Property Type	Single Family Home
Details	2,101 sqft · built 1980
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$579,000 (May 2026)
Tax Bill	$5,543 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`448300 A 735A12`

Property Details

APN / Parcel Number

Primary APN	`448300 A 735A12`
Alternative APNs	`53952920007102600A735` `53952920007`

Interior

Stories	1 Story
Building Area	2,101 sqft Living Area
1st Floor Area	2,101 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Masonry / Concrete Block
Lot Area	13,068 sqft (0.3 acres)
Deck Area	215 sqft

Location & Zoning

Street Address	425 PINE LAKE DR
City	NAPLES
State	FL
Zip	34112-5210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	LAKEWOOD UNIT 5 BLK A LOT 73
Legal Range	25
Legal Township	50
Legal Section	12
Legal Subdivision	LAKEWOOD UNIT 5
Legal Tract	448300
Legal Block	A
Legal Lot Number	73
Legal Unit	5
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1002
Census Tract	10606

Owner

425 Pine Lake Dr is owned and occupied by two individuals who bought it in May 2026.

Source: Collier County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	425 PINE LAKE DR, NAPLES, FL 34112-5210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 25, 2024	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Apr 24, 2025 · Amount on File
Deed Document Number	20266830200
Deed Book / Page	6591 / 3989
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 28, 2026
Property Address	425 PINE LAKE DR, NAPLES, FL 34112-5210
Document Number	0065913989
Book / Page	6591 / 3989
Instrument Date	May 22, 2026
Instrument	20266830200
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$409,353.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 PINE LAKE DR, NAPLES, FL 34112-5210

Mortgage

Document Number	0006830201,
Date	May 28, 2026
Instrument	20266830201

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 25, 2024
Property Address	425 PINE LAKE DR, NAPLES, FL 34112-5210
Document Number	0063421684
Book / Page	6342 / 1684
Map Reference	MB 12 PG 66
Instrument Date	Mar 22, 2024
Instrument	6523706
Transaction Type	Transfer
Record Updated	Apr 19, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,147.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 PROSPECT ST, SEARSPORT, ME 04974-3532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 PINE LAKE DR, NAPLES, FL 34112-5210

Mortgage

Document Number	0063421686
Date	Mar 25, 2024
Instrument	6342/1686

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 425 Pine Lake Dr was $5,543, up 190.4% from the year before.

Source: Collier County assessment roll, as of August 25, 2026

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
2026		$445,910 (-10.44%) Land $250,383 Building $195,527	$445,910 (-10.44%) Land $250,383 Building $195,527
2025	$5,543.00 (+190.36%)	$497,880 Land $388,773 Building $109,107	$497,880 Land $388,773 Building $109,107
2024	$1,909.00 (+1.7%)
2023	$1,877.00 (-1.05%) Homeowner's exemption	$196,078 (+3%)	$565,037 (+27.6%) Land $405,108 Building $159,929
2022	$1,897.00 Homeowner's exemption	$190,367	$442,836 Land $274,428 Building $168,408

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

FEMA maps place 425 Pine Lake Dr in Zone AE, 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 183 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	515 units insured incl. 332 condo units
Nearby Flood Claims	13 (1991–2022)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 3 claims Hurricane Wilma, Oct 2005 · 3 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

Wildfire risk around 425 Pine Lake Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Blue Stream Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: CenturyLink, T-Mobile.

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