Collier County property record for 438 Saddlebrook Ln, Naples, FL 34110
| Property Type | Single Family Home |
|---|---|
| Details | 2,299 sqft · built 2011 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Trust Name on File |
| Last Sale | $389,268 (Jun 2011) |
| Tax Bill | $9,840 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 412650 793A23 |
| Primary APN | 412650 793A23 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,299 sqft Living Area |
| 1st Floor Area | 2,299 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 14,810 sqft (0.34 acres) |
| Pool Area | 240 sqft |
| Deck Area | 482 sqft |
| Street Address | 438 SADDLEBROOK LN |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34110-1374 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3 |
| Legal Description | HORSE CREEK ESTATES LOT 79 |
| Legal Range | 25 |
| Legal Township | 48 |
| Legal Section | 23 |
| Legal Subdivision | HORSE CREEK ESTATES |
| Legal Tract | 412650 |
| Legal Block | 1 |
| Legal Lot Number | 79 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10108 |
438 Saddlebrook Ln is held in a trust since June 2011.
Source: Collier County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 313 SCARLET PEAK CT, CRANBERRY TOWNSHIP, PA 16066-4845 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2011 · Amount on File |
| Deed Sale | Jun 10, 2011 · Amount on File |
| Deed Document Number | 20114573052 |
| Deed Book / Page | 4690 / 2464 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 438 Saddlebrook Ln was $9,840.
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 | $861,632 (+1%) | $880,464 (-25.01%) Land $425,850 Building $454,614 | |
| 2025 | $9,840.00 | $783,302 | $1,174,176 Land $625,657 Building $548,519 |
| 2023 | $8,700.00 (+13%) | $647,357 (+1%) | $1,045,627 (+20.56%) Land $462,758 Building $582,869 |
| 2022 | $7,699.00 | $588,506 | $867,290 Land $248,129 Building $619,161 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Saddlebrook Ln in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 438 Saddlebrook Ln is low, with a 0.04% annual chance of 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.
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 |
| 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.
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.
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