431 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 431 Saddlebrook Ln, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	2,640 sqft · built 2017
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Company Names on Record
Last Sale	$650,000 (May 2017)
Tax Bill	$9,833 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`412650 183A23`

Property Details

APN / Parcel Number

Primary APN	`412650 183A23`
Alternative APN	`50940009700`

Interior

Stories	2 Stories
Building Area	2,640 sqft Living Area
1st Floor Area	2,640 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	11,761 sqft (0.27 acres)
Pool Area	286 sqft
Deck Area	767 sqft

Location & Zoning

Street Address	431 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 18
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Block	1
Legal Lot Number	18
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1000
Census Tract	10108

Owner

Source: Collier County records, as of September 28, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	33 ANTHONY DR, LONDONDERRY, NH 03053-3188
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 1, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Prior Sale	Jun 23, 2016 · Amount on Record
Deed Document Number	20175398731
Deed Book / Page	5388 / 3093
Prior Transfer Date	Jun 14, 2016
Prior Transfer Doc	0052870350
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	Sep 16, 2026
Property Address	431 SADDLEBROOK LN, NAPLES, FL 34110-1379
Document Number	0006874932
Book / Page	6629 / 2448
Instrument Date	Sep 10, 2026
Instrument	20266874932
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	CITIZENS TITLE ONLINE, CITIZENS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	33 ANTHONY DR, LONDONDERRY, NH 03053-3188

Mortgage

Document Number	0006874932,
Date	Sep 16, 2026
Book Page	6629/2448
Instrument	20266874932

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 11, 2051

Interest

Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	431 SADDLEBROOK LN, NAPLES, FL 34110-1379
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060200106
Date	Oct 1, 2021
Book Page	6020/106
Instrument	6136362

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	431 SADDLEBROOK LN, NAPLES, FL 34110-1379
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 ANTHONY DR, LONDONDERRY, NH 03053-3188

Mortgage

Document Number	0058860078
Date	Feb 3, 2021
Book Page	5886/78
Instrument	5995101

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2050

May 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 1, 2017
Property Address	431 SADDLEBROOK LN, NAPLES, FL 34110-1379
Document Number	0053883093
Book / Page	5388 / 3093
Map Reference	MB41 PG74-81
Instrument Date	Apr 27, 2017
Instrument	5398731
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 28, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10541 BEN C PRATT/6 MILE CYPRESS PKWY, 10541, FORT MYERS, FL 33966-6461

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	33 ANTHONY DR, LONDONDERRY, NH 03053-3188

Mortgage

Document Number	0005398732
Date	May 1, 2017
Instrument	5398732

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

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		$899,292 (+1%)	$948,158 (-15.74%) Land $395,841 Building $552,317
2025	$9,833.00 (+5.12%)	$817,538 (+21%)	$1,125,210 (+7.89%) Land $466,581 Building $658,629
2024	$9,354.00 (+5.56%)
2023	$8,861.00 (+0.81%)	$675,651 (+1%)	$1,042,876 (-3.14%) Land $345,100 Building $697,776
2022	$8,790.00	$614,228	$1,076,712 Land $335,945 Building $740,767

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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	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, Summit Broadband.

Nearby Properties on Saddlebrook Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures