4551 Luminary Ave, Naples, FL 34119 Property Records

Collier County property record for 4551 Luminary Ave, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	2,169 sqft · built 2018
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$980,000 (Jul 2023)
Tax Bill	$8,486 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2023 Sale & Mortgage + 4 more
Flood Zone	Zone AH (high risk)
APN	`643960 5373B09`

Property Details

APN / Parcel Number

Primary APN	`643960 5373B09`
Alternative APN	`74937505280`

Interior

Stories	1 Story
Building Area	2,169 sqft Living Area
1st Floor Area	2,169 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Masonry / Concrete Block
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	133 ft deep x 58 ft wide
Pool Area	350 sqft
Deck Area	539 sqft

Location & Zoning

Street Address	4551 LUMINARY AVE
City	NAPLES
State	FL
Zip	34119-9075
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONECREEK PLAT TWO LOT 537
Legal Range	26
Legal Township	48
Legal Section	9
Legal Subdivision	STONECREEK PLAT TWO
Legal Block	1
Legal Lot Number	537
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1021
Census Tract	11209

Owner

Source: Collier County records, as of May 27, 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	4551 LUMINARY AVE, NAPLES, FL 34119-9075
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage VALLEY NATIONAL BANK
Jul 26, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Nov 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage GL FINANCIAL SERVICES LLC
May 7, 2018	Special Warranty Deed, Transfer · Conventional Mortgage GLFINNANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Document Number	20236432903
Deed Book / Page	6271 / 3245
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	May 13, 2026
Property Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075
Document Number	0065863145
Book / Page	6586 / 3145
Instrument Date	May 8, 2026
Instrument	20266823960
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 COPPERDALE LN, HUNTINGTON, NY 11743-2523

Mortgage

Document Number	0006823960,
Date	May 13, 2026
Book Page	6586/3145
Instrument	20266823960

Lender

Name	VALLEY NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 26, 2023
Property Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075
Document Number	0062713245
Book / Page	6271 / 3245
Map Reference	MB 62 PG 5-12
Instrument Date	Jul 19, 2023
Instrument	6432903
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	TITLE US LLC, TITLE PLUS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4586 FORSYTHIA WAY APT 126, 126, OOLTEWAH, TN 37363-4618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075

Mortgage

Document Number	0062713247
Date	Jul 26, 2023
Instrument	6271/3247

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075

Mortgage

Document Number	0060491801
Date	Dec 2, 2021
Book Page	6049/1801
Instrument	6167096

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055702914
Date	Nov 9, 2018
Book Page	5570/2914
Instrument	5635712

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 12, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057390051
Date	Mar 13, 2020
Book Page	5739/51
Instrument	5842358

Lender

Name	GL FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33323

Agreement

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

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 7, 2018
Property Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075
Document Number	0055063326
Book / Page	5506 / 3326
Map Reference	MB62 PG5
Instrument Date	Apr 30, 2018
Instrument	5552259
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NOVA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,988.00
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
Relationship	Living Trust
Address	4551 LUMINARY AVE, NAPLES, FL 34119-9075

Mortgage

Document Number	0005552260
Date	May 7, 2018
Instrument	5552260

Lender

Name	GLFINNANCIAL SERVICES LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Collier County assessment roll, as of September 9, 2025

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
2025	$8,486.00 (+92.38%) Homeowner's exemption	$904,467 (+95.24%) Land $540,196 Building $364,271	$904,467 (-18.25%) Land $540,196 Building $364,271
2023	$4,411.00 (-2.52%) Homeowner's exemption	$463,251 (+3%)	$1,106,437 (+13%) Land $565,276 Building $541,161
2022	$4,525.00 Homeowner's exemption	$449,758	$979,165 Land $404,324 Building $574,841

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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 Record 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

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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