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428 Central Ave, Naples, FL 34102 Property Records

Collier County property record for 428 Central Ave, Naples, FL 34102 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2,044 sqft · built 2013
Lot Size0.16 acres (6,970 sqft)
Owner2 Company Names on File
Last Sale$5,450,000 (Apr 2025)
Tax Bill$33,225 (2025)
Deeds & MortgagesOct 2025 Line of Credit
Jan 2017 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN096100 20 85A04

Property Details

APN / Parcel Number

Primary APN096100 20 85A04
Alternative APNs
  • 140284000050256042085
  • 14028400005

Interior

Building Area2,044 sqft Living Area
Gross Area3,296 sqft Gross Area
1st Floor Area2,044 sqft 1st Floor
Stories2 Stories

Exterior

Year BuiltBuilt 2013
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions100 ft deep x 69 ft wide

Exterior Amenities

Pool TypePool with Hot Tub/Spa
Pool Area180 sqft Pool
Deck Area160 sqft Deck
PorchPorch
Porch Area72 sqft Porch

Location & Zoning

Account Number096100 20 85A04
Old Parcel Number140284000050256042085
Street Address428 CENTRAL AVE
CityNAPLES
StateFL
Zip34102-5930
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNAPLES T 5 BLK 20 N 100FT OF W 6.6FT OF LOT 8, N 100FT OF LOT 9 + N 100FT OF E 30FT OF LOT 10
Legal Range25
Legal Township50
Legal Section04
Legal SubdivisionNAPLES PLAN OF TIER 5
Legal Tract96100
Legal Block20
Legal Lot Number8
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group2
Census Block2005
Census Tract102

Owner

Source: Collier County records · APN 096100 20 85A04

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Company Names on File
Co-owner2 Verified Secondary Owners
Mailing Address428 CENTRAL AVE, NAPLES, FL 34102-5930
OccupancyOwner Occupied
Owner TypeCompany, Secondary Individual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Oct 07, 2025Deed of Trust, Mortgage · Line of Credit
FIRST HORIZON BANK
Jan 20, 2017Deed of Trust, Mortgage · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA
May 30, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names4 Verified Names on Deed
Last SaleApr 15, 2025 · Amount on Record
Deed SaleApr 15, 2025 · Amount on Record
Prior SaleMay 30, 2019 · Amount on Record
Deed Document Number6668849
Deed Book / Page6458 / 727
Record UpdatedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address428 CENTRAL AVE, NAPLES, FL 34102-5930
Transaction TypeMortgage
Record UpdatedOct 24, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 CENTRAL AVE, NAPLES, FL 34102-5930

Mortgage

Document Number0065142386
DateOct 07, 2025
Book Page6514/2386
Instrument6738403
Lender
NameFIRST HORIZON BANK
TypeBank
AddressNAPLES, FL 34109
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address428 CENTRAL AVE, NAPLES, FL 34102-5930
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053550856
DateJan 20, 2017
Book Page5355/0856
Instrument5358618
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2047

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateMay 30, 2019
Property Address428 CENTRAL AVE, NAPLES, FL 34102-5930
Document Number0056351259
Book / Page005635 / 001259
Instrument DateMay 28, 2019
Instrument5719252
Transaction TypeTransfer
Record UpdatedJun 12, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$22,400.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address2419 BRONSON RD FAIRFIELD CT 068242061, FAIRFIELD, CT 06824-2061

Tax Assessment & Valuation

Source: Collier County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
MunicipalityNaples City
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$33,225.00 (+13.84%)$3,254,151 (+21%)$4,141,671 (+12.2%) Land $2,412,585 Building $1,729,086
2023$29,186.00 (+1%)$2,689,381 (+1%)$3,691,297 (+22.3%) Land $2,307,690 Building $1,383,607
2022$26,532.00$2,444,892$3,018,293 Land $1,762,236 Building $1,256,057

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Collier County (12021C), updated June 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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