439 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 439 Saddlebrook Ln, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	3,329 sqft · built 2006
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Mar 2021)
Tax Bill	$10,616 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Nov 2020 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`412650 163A23`

Property Details

APN / Parcel Number

Primary APN	`412650 163A23`
Alternative APN	`50940009661`

Interior

Stories	1 Story
Building Area	3,329 sqft Living Area
1st Floor Area	3,329 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Carport
Garage Area	140 sqft
Carport	Carport
Carport Area	140 sqft
Pool Area	364 sqft
Deck Area	627 sqft

Location & Zoning

Street Address	439 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 16
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Block	1
Legal Lot Number	16
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1000
Census Tract	10108

Owner

Source: Collier County records, as of August 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	439 SADDLEBROOK LN, NAPLES, FL 34110-1379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2024	Deed of Trust, Mortgage · Line of Credit FINEMARK NATIONAL BANK & TRUST
Nov 10, 2020	Deed of Trust, Mortgage · Line of Credit FINEMARK NATIONAL BANK & TRUST
Mar 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage FINEMARK NATIONAL BANK & TRUST
Mar 2, 2021	Warranty Deed, Transfer · Line of Credit FINEMARK NATIONAL BANK & TRUST
Mar 5, 2018	Warranty Deed, Transfer · Commercial Mortgage FINEMARK NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2021 · Amount on Record
Deed Sale	Mar 2, 2021 · Amount on Record
Prior Sale	Mar 5, 2018 · Amount on Record
Deed Document Number	20216010998
Deed Book / Page	5901 / 479
Prior Transfer Date	Feb 26, 2021
Prior Transfer Doc	0059010479
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	439 SADDLEBROOK LN, NAPLES, FL 34110-1379
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063352721
Date	Mar 5, 2024
Book Page	6335/2721
Instrument	6515452

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	NAPLES, FL 34102

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	439 SADDLEBROOK LN, NAPLES, FL 34110-1379
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058423915
Date	Nov 10, 2020
Book Page	5842/3915
Instrument	5951902

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	NAPLES, FL 34108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	439 SADDLEBROOK LN, NAPLES, FL 34110-1379
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056112108
Date	Mar 27, 2019
Book Page	5611/2108
Instrument	5689330

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	NAPLES, FL 34108

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 2, 2021
Property Address	439 SADDLEBROOK LN, NAPLES, FL 34110-1379
Document Number	0059010479
Book / Page	5901 / 479
Map Reference	MB 41 PG 74
Instrument Date	Feb 26, 2021
Instrument	6010998
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	595 GORDONIA RD, 595, NAPLES, FL 34108-2670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 SADDLEBROOK LN, NAPLES, FL 34110-1379

Mortgage

Document Number	0005901481
Date	Mar 2, 2021
Instrument	5901/481

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	8.25%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 5, 2018
Property Address	439 SADDLEBROOK LN, NAPLES, FL 34110-1379
Document Number	0054831621
Book / Page	5483 / 1621
Map Reference	MB41 PG74
Instrument Date	Mar 1, 2018
Instrument	5519209
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2831 ELDORADO PKWY # 103188, 2831, FRISCO, TX 75033-7438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3939 TORRENS CT, NAPLES, FL 34119-8645

Mortgage

Document Number	0005519210
Date	Mar 5, 2018
Instrument	5519210

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

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		$953,812 (-10.38%) Land $395,841 Building $557,971	$953,812 (-12.34%) Land $395,841 Building $557,971
2025	$10,616.00 (+2.56%) Homeowner's exemption	$1,064,257 (+4.51%)	$1,088,099 (+6.85%) Land $466,581 Building $621,518
2024	$10,351.00 (-0.85%)
2023	$10,440.00 (+21.72%) Homeowner's exemption	$1,018,312 (+70.25%) Land $345,100 Building $673,212	$1,018,312 (-3.11%) Land $345,100 Building $673,212
2022	$8,577.00	$598,145	$1,050,992 Land $335,945 Building $715,047

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.

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