4550 Luminary Ave, Naples, FL 34119 Property Records

Collier County property record for 4550 Luminary Ave, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	1,754 sqft · built 2020
Lot Size	0.19 acres (8,276 sqft)
Owner	Trust Name on File
Last Sale	$700,807 (Jun 2020)
Tax Bill	$9,264 (2025)
Deeds & Mortgages	Aug 2020 Transfer Jun 2020 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`643960 4783B09`

Property Details

APN / Parcel Number

Primary APN	`643960 4783B09`
Alternative APN	`74937504100`

Interior

Building Area	1,754 sqft Living Area
1st Floor Area	1,754 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Masonry / Concrete Block
Lot Area	8,276 sqft (0.19 acres)
Pool Area	360 sqft
Deck Area	831 sqft

Location & Zoning

Street Address	4550 LUMINARY AVE
City	NAPLES
State	FL
Zip	34119-9074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONECREEK PLAT TWO LOT 478
Legal Range	26
Legal Township	48
Legal Section	9
Legal Subdivision	STONECREEK PLAT TWO
Legal Block	1
Legal Lot Number	478
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1016
Census Tract	11209

Owner

4550 Luminary Ave is owner-occupied and held in a trust since August 2020.

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

Owner of Record	Trust Name on File
Mailing Address	4550 LUMINARY AVE, NAPLES, FL 34119-9074
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Aug 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 25, 2020	Special Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2020 · Amount on File
Deed Sale	Jun 25, 2020 · Amount on File
Deed Document Number	20205885084
Deed Book / Page	5779 / 2712
Last Transfer Date	Aug 18, 2020
Transfer Doc	0058050167
Record Updated	Oct 29, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 20, 2020
Property Address	4550 LUMINARY AVE, NAPLES, FL 34119-9074
Document Number	0058050167
Book / Page	005805 / 000167
Instrument Date	Aug 18, 2020
Instrument	5911718
Transaction Type	Transfer
Record Updated	Sep 7, 2020
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	Living Trust
Address	4550 LUMINARY AVE NAPLES FL 341199074, NAPLES, FL 34119-9074

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 25, 2020
Property Address	4550 LUMINARY AVE, NAPLES, FL 34119-9074
Document Number	0057792712
Book / Page	5779 / 2712
Map Reference	MB 62 PG 5
Instrument Date	Jun 19, 2020
Instrument	5885084
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NOVA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,906.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 SAWGRASS CORPORATE PKWY STE 400, 1600, SUNRISE, FL 33323-2890

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4550 LUMINARY AVE, NAPLES, FL 34119-9074

Mortgage

Document Number	0057792714
Date	Jun 25, 2020
Instrument	5779/2714

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4550 Luminary Ave was $9,264 with a homeowner's exemption, down 7.5% 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		$1,012,877 (+2.7%)	$1,080,255 (+9.53%) Land $371,027 Building $709,228
2025	$9,264.00 (-7.52%) Homeowner's exemption	$986,248 Land $475,676 Building $510,572	$986,248 Land $475,676 Building $510,572
2024	$10,017.00 (+0.65%)
2023	$9,952.00 (-3.01%) Homeowner's exemption	$1,027,977 (+3%)	$1,053,409 (+5.55%) Land $291,147 Building $762,262
2022	$10,261.00 Homeowner's exemption	$998,036 Land $189,355 Building $808,681	$998,036 Land $189,355 Building $808,681

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

Flood

FEMA maps place 4550 Luminary Ave 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 545 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	545 in force
Nearby Flood Claims	3 (2017–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2023
Claims by Event	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

Wildfire risk around 4550 Luminary Ave is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Fiber · Cable in parts of the area	1,200 / 35

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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