450 Germain Ave, Naples, FL 34108 Property Records

Collier County property record for 450 Germain Ave, Naples, FL 34108 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2,344 sqft · built 2006
Lot Size	0.21 acres (9,148 sqft)
Owner	Trust Name on File
Last Sale	$2,100,000 (Jun 2018)
Tax Bill	$25,514 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`233800 P 43A29`

Property Details

APN / Parcel Number

Primary APN	`233800 P 43A29`
Alternative APN	`27587920000`

Interior

Stories	2 Stories
Building Area	2,344 sqft Living Area
Gross Area	3,906 sqft
1st Floor Area	2,344 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	120 ft deep x 75 ft wide

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	288 sqft
Deck Area	791 sqft
Boat Access	Boat Access

Location & Zoning

Account Number	233800 P 43A29
Street Address	450 GERMAIN AVE
City	NAPLES
State	FL
Zip	34108-2128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONNER'S VANDERBILT BCH EST UNIT 2 BLK P LOT 4
Legal Range	25
Legal Township	48
Legal Section	29
Legal Subdivision	CONNERS VANDERBILT BCH EST #2
Legal Tract	233800
Legal Block	P
Legal Lot Number	4
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3000
Census Tract	10209

Owner

Source: Collier County records · APN 233800 P 43A29

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Trust Name on File
Mailing Address	3190 W LONG LAKE RD, W BLOOMFIELD, MI 48323-1839
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA
Dec 03, 2018	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jun 27, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Dec 17, 2010 · Amount on Record
Deed Document Number	5577805
Deed Book / Page	5526 / 1940
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	450 GERMAIN AVE, NAPLES, FL 34108-2128
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 W LONG LAKE RD, WEST BLOOMFIELD, MI 48323-1839

Mortgage

Document Number	0059411989
Date	May 06, 2021
Book Page	5941/1989
Instrument	6052823

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.8%
Type Change Date	May 01, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.8%
Index	Other
Margin	3
Max Rate	7.8%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	450 GERMAIN AVE, NAPLES, FL 34108-2128
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055762850
Date	Dec 03, 2018
Book Page	5576/2850
Instrument	5643125

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 01, 2033

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 27, 2018
Property Address	450 GERMAIN AVE, NAPLES, FL 34108-2128
Document Number	0055261940
Book / Page	005526 / 001940
Instrument Date	Jun 26, 2018
Instrument	5577805
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$14,700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	450 GERMAIN AVE NAPLES FL 341082128, NAPLES, FL 34108-2128

Tax Assessment & Valuation

Source: Collier County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$25,514.00 (+6.1%)	$2,304,085 (+40.32%)	$2,675,461 (-14.4%) Land $1,170,000 Building $1,505,461
2023	$24,047.00 (+3.75%)	$1,642,075 (-8.61%)	$3,125,390 (+30.06%) Land $2,367,000 Building $758,390
2022	$23,178.00	$1,796,699	$2,403,059 Land $1,266,300 Building $1,136,759

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Collier County (12021C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120210102093, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 218 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	499 units insured 281 under condo master policies
Nearby Flood Claims	411 (1982–2024)
Claims Outside the SFHA	3 of 411
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 68 claims Hurricane Ian, Oct 2022 · 128 claims Hurricane Ian, Oct 2022 · 122 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 447 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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