450 Saddlebrook Ln, Naples, FL 34110 Property Records

Collier County property record for 450 Saddlebrook Ln, Naples, FL 34110

Property Summary

Property Type	Single Family Home
Details	2,142 sqft · built 2006
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Jun 2020)
Tax Bill	$3,538 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jul 2018 Transfer
Flood Zone	Zone X (moderate risk)
APN	`412650 823A23`

Property Details

APN / Parcel Number

Primary APN	`412650 823A23`
Alternative APN	`50940010980`

Interior

Stories	1 Story
Building Area	2,142 sqft Living Area
1st Floor Area	2,142 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Masonry / Concrete Block
Lot Area	11,326 sqft (0.26 acres)
Pool Area	364 sqft
Deck Area	320 sqft

Location & Zoning

Street Address	450 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 82
Legal Range	25
Legal Township	48
Legal Section	23
Legal Subdivision	HORSE CREEK ESTATES
Legal Tract	412650
Legal Block	1
Legal Lot Number	82
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 25, 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	450 SADDLEBROOK LN, NAPLES, FL 34110-1374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on Record
Deed Sale	Jun 26, 2020 · Amount on Record
Prior Sale	Jul 18, 2006 · Amount on Record
Deed Document Number	20205885799
Deed Book / Page	5780 / 1338
Prior Transfer Date	Jul 3, 2018
Prior Transfer Doc	0055351839
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 26, 2020
Property Address	450 SADDLEBROOK LN, NAPLES, FL 34110-1374
Document Number	0057801338
Book / Page	5780 / 1338
Map Reference	MB 41 PG 74
Instrument Date	Jun 17, 2020
Instrument	5885799
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1128 S WASHINGTON ST, 1128, NAPERVILLE, IL 60540-7952

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 SADDLEBROOK LN, NAPLES, FL 34110-1374

Mortgage

Document Number	0057801340
Date	Jun 26, 2020
Instrument	5780/1340

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 23, 2018
Property Address	450 SADDLEBROOK LN, NAPLES, FL 34110-1374
Document Number	0055351839
Book / Page	005535 / 001839
Instrument Date	Jul 3, 2018
Instrument	5589548
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4312 MOURNING DOVE DR NAPLES FL 341198869, NAPLES, FL 34119-8869

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		$373,898 (+2.7%)	$716,791 (-16.94%) Land $408,349 Building $308,442
2025	$3,538.00 (+3.66%) Homeowner's exemption	$364,068 (+5.99%)	$862,954 (+11.8%) Land $450,492 Building $412,462
2023	$3,413.00 (+2.16%) Homeowner's exemption	$343,503 (+3%)	$771,873 (+19.89%) Land $333,200 Building $438,673
2022	$3,341.00 Homeowner's exemption	$333,498	$643,813 Land $177,235 Building $466,578

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 500 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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 186 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: CenturyLink, Hotwire Communications, Summit Broadband.

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