455 45th Ave NE, Naples, FL 34120 Property Records

Collier County property record for 455 45th Ave NE, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	1,490 sqft · built 2023
Lot Size	1.13 acres (49,658 sqft)
Owner	2 Individual Names on File
Last Sale	$473,000 (Dec 2024)
Tax Bill	$4,414 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2022 Construction Loan + 3 more
Flood Zone	Zone AH (high risk)
APN	`338800 86 03C10`

Property Details

APN / Parcel Number

Primary APN	`338800 86 03C10`
Alternative APNs	`386088400030740008603` `38608840003`

Interior

Building Area	1,490 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Lot Area	49,658 sqft

Location & Zoning

Street Address	455 45TH AVE NE
City	NAPLES
State	FL
Zip	34120-6492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 38 E 75FT OF TR 86 OR 605 PG 1084
Legal Range	27
Legal Township	48
Legal Section	10
Legal Subdivision	GOLDEN GATE EST UNIT 38
Legal Tract	86
Legal Block	2
Legal Unit	38
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	2
Census Block	2020
Census Tract	11211

Owner

455 45th Ave NE is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	455 45TH AVE NE, NAPLES, FL 34120-6492
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 9, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 22, 2022	Deed of Trust, Mortgage · Construction Mortgage BUILDER FINANCE INC
Jul 31, 2023	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK
Apr 21, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Jul 27, 2020	Warranty Deed, Transfer NAPLES TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2024 · Amount on File
Deed Sale	Dec 30, 2024 · Amount on File
Prior Sale	Jul 31, 2023 · Amount on File
Deed Document Number	20246627414
Deed Book / Page	6426 / 682
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	455 45TH AVE NE, NAPLES, FL 34120-6492
Transaction Type	Mortgage
Record Updated	Dec 16, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5570 JONQUIL CIR 203, 203, NAPLES, FL 34109-2730

Mortgage

Document Number	0065060060
Date	Sep 9, 2025
Book Page	6506/60
Instrument	6727651

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2055

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	455 45TH AVE NE, NAPLES, FL 34120-6492
Transaction Type	Mortgage
Record Updated	Jan 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3270 14TH AVE NE, NAPLES, FL 34120-3503

Mortgage

Document Number	0061441887
Date	Jun 22, 2022
Book Page	6144/1887
Instrument	6272958

Lender

Name	BUILDER FINANCE INC
Type	Mortgage Company
Address	SIOUX FALLS, SD 57108

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	Apr 17, 2023

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 31, 2023
Property Address	455 45TH AVE NE, NAPLES, FL 34120-6492
Document Number	0062730419
Book / Page	6273 / 419
Map Reference	MB 7 PG 90
Instrument Date	Jul 26, 2023
Instrument	6434630
Transaction Type	Transfer
Record Updated	Jan 29, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,703.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3270 14TH AVE NE, NAPLES, FL 34120-3503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 45TH AVE NE, NAPLES, FL 34120-6492

Mortgage

Document Number	0006273421
Date	Jul 31, 2023
Instrument	6273/421

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 21, 2022
Property Address	455 45TH AVE NE, NAPLES, FL 34120-6492
Document Number	0061143201
Book / Page	6114 / 3201
Map Reference	MB 7 PG 91
Instrument Date	Feb 21, 2022
Instrument	6238727
Transaction Type	Transfer
Record Updated	Jan 29, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3270 14TH AVE NE, NAPLES, FL 34120-3503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3270 14TH AVE NE, NAPLES, FL 34120-3503

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 27, 2020
Property Address	455 45TH AVE NE, NAPLES, FL 34120-6411
Document Number	0057930479
Book / Page	005793 / 000479
Instrument Date	Jul 22, 2020
Instrument	5899090
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	NAPLES TITLE INC

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	3270 14TH AVE NE NAPLES FL 341203503, NAPLES, FL 34120-3503

Tax Assessment & Valuation

The 2025 property tax bill for 455 45th Ave NE was $4,414 with a homeowner's exemption.

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		$342,900 (-9.9%) Land $39,330 Building $303,570	$342,900 (-9.9%) Land $39,330 Building $303,570
2025	$4,414.00 Homeowner's exemption	$380,597 Land $39,330 Building $341,267	$380,597 Land $39,330 Building $341,267
2023	$570.00 (+95.21%)	$23,450 (+1%)	$29,555 (+24.64%) Land $29,555
2022	$292.00	$21,318	$23,712 Land $23,712

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 455 45th Ave NE 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 220 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	220 in force
Nearby Flood Claims	3 (2022–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene

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

Wildfire risk around 455 45th Ave NE is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Streamline Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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