4397 20th Ave SW, Naples, FL 34116 Property Records

Collier County property record for 4397 20th Ave SW, Naples, FL 34116

Property Summary

Property Type	Single Family Home
Details	1,404 sqft · built 1972
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2022)
Tax Bill	$3,440 (2025)
Deeds & Mortgages	Apr 2022 Transfer Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`321400 33 284B22`

Property Details

APN / Parcel Number

Primary APN	`321400 33 284B22`
Alternative APNs	`3575656000506890033284` `35756560005`

Interior

Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)

Location & Zoning

Street Address	4397 20TH AVE SW
City	NAPLES
State	FL
Zip	34116-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	GOLDEN GATE UNIT 2 BLK 33 LOT 28
Legal Range	26
Legal Township	49
Legal Section	22
Legal Subdivision	GOLDEN GATE CITY UNIT 2
Legal Tract	321400
Legal Block	33
Legal Lot Number	28
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1011
Census Tract	10421

Owner

4397 20th Ave SW is owned by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3434 6TH AVE NE, NAPLES, FL 34120-4946
Owner Type	Individual

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
Apr 8, 2022	Correction Deed ATTORNEY
Apr 8, 2022	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Jun 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Prior Sale	Apr 2, 2009 · Amount on File
Deed Document Number	20226233302
Deed Book / Page	6110 / 219
Prior Transfer Date	Mar 31, 2022
Prior Transfer Doc	0061100235
Record Updated	Oct 29, 2026

April 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 8, 2022
Property Address	4397 20TH AVE SW, NAPLES, FL 34116-6409
Document Number	0061100235
Book / Page	6110 / 235
Map Reference	MB 5 PG 65
Instrument Date	Mar 31, 2022
Instrument	6233304
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2951 54TH AVE NE, 2951, NAPLES, FL 34120-1787

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2951 54TH AVE NE, NAPLES, FL 34120-1787

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 8, 2022
Property Address	4397 20TH AVE SW, NAPLES, FL 34116-6409
Document Number	0061100219
Book / Page	6110 / 219
Map Reference	MB 5 PG 65
Instrument Date	Mar 31, 2022
Instrument	6233302
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2981 54TH AVE NE, 2981, NAPLES, FL 34120-1787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3434 6TH AVE NE, NAPLES, FL 34120-4946

Mortgage

Document Number	0006110221
Date	Apr 8, 2022
Instrument	6110/221

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 7, 2019
Property Address	4397 20TH AVE SW, NAPLES, FL 34116-6409
Document Number	0056390529
Book / Page	005639 / 000529
Instrument Date	May 31, 2019
Instrument	5723708
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2981 54TH AVE NE NAPLES FL 341201787, NAPLES, FL 34120-1787

Tax Assessment & Valuation

The 2025 property tax bill for 4397 20th Ave SW was $3,440, down 5.6% 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		$309,565 (+1%)	$338,977 (+20.45%) Land $196,981 Building $141,996
2025	$3,440.00 (-5.6%)	$281,423 Land $134,550 Building $146,873	$281,423 Land $134,550 Building $146,873
2024	$3,644.00 (+0.03%)
2023	$3,643.00 (+27.56%)	$305,807 (+50.17%) Land $217,350 Building $88,457	$305,807 (+19.82%) Land $217,350 Building $88,457
2022	$2,856.00	$203,645	$255,222 Land $165,730 Building $89,492

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

Flood

FEMA maps place 4397 20th Ave SW in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 175 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	183 units insured incl. 8 condo units
Nearby Flood Claims	5 (2017–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 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

The area around 4397 20th Ave SW has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 449 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Nearby Properties on 20th Ave SW

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