45 Esther St, Naples, FL 34104 Property Records

Collier County property record for 45 Esther St, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	2,675 sqft · built 1979
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (May 2019)
Tax Bill	$3,230 (2025)
Deeds & Mortgages	May 2019 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`225100 G 25A01`

Property Details

APN / Parcel Number

Primary APN	`225100 G 25A01`
Alternative APNs	`26532640006050500G25` `26532640006`

Interior

Stories	1 Story
Building Area	2,675 sqft Living Area
Gross Area	3,335 sqft
1st Floor Area	2,675 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Masonry / Concrete Block
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Area	576 sqft
Deck Area	1,056 sqft

Location & Zoning

Street Address	45 ESTHER ST
City	NAPLES
State	FL
Zip	34104-4742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-3
Legal Description	COCONUT CREEK UNIT 3 BLK G LOT 2
Legal Range	25
Legal Township	50
Legal Section	1
Legal Subdivision	COCONUT CREEK UNIT 3
Legal Tract	225100
Legal Block	G
Legal Lot Number	2
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1006
Census Tract	10602

Owner

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	2 Individual Names on Record
Mailing Address	45 ESTHER ST, NAPLES, FL 34104-4742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
May 2, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2019 · Amount on Record
Deed Sale	May 2, 2019 · Amount on Record
Prior Sale	Jul 14, 2014 · Amount on Record
Deed Document Number	20195706874
Deed Book / Page	5625 / 1104
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	45 ESTHER ST, NAPLES, FL 34104-4742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAS TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056263871
Date	May 7, 2019
Book Page	5626/3871
Instrument	5708874

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 2, 2019
Property Address	45 ESTHER ST, NAPLES, FL 34104-4742
Document Number	0056251104
Book / Page	5625 / 1104
Map Reference	MB 3 PG 48
Instrument Date	May 1, 2019
Instrument	5706874
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AMERICAS TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 ESTHER ST, 45, NAPLES, FL 34104-4742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ESTHER ST, NAPLES, FL 34104-4742

Mortgage

Document Number	0005706875
Date	May 2, 2019
Instrument	5706875

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$331,556 (+2.7%)	$527,905 (+4.74%) Land $292,723 Building $235,182
2025	$3,230.00 (+8.35%) Homeowner's exemption	$322,839 (+5.99%)	$504,010 (-6.5%) Land $278,087 Building $225,923
2023	$2,981.00 (-1.81%) Homeowner's exemption	$304,603 (+3%)	$539,049 (-11.05%) Land $306,445 Building $232,604
2022	$3,036.00 Homeowner's exemption	$295,731	$606,016 Land $364,989 Building $241,027

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 123 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 units insured incl. 44 condo units
Nearby Flood Claims	8 (2017–2022)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 7 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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