4574 Luminary Ave, Naples, FL 34119 Property Records

Collier County property record for 4574 Luminary Ave, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	2,083 sqft · built 2020
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,360 (Aug 2020)
Tax Bill	$6,392 (2025)
Deeds & Mortgages	May 2023 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`643960 4843B09`

Property Details

APN / Parcel Number

Primary APN	`643960 4843B09`
Alternative APN	`74937504223`

Interior

Building Area	2,083 sqft Living Area
1st Floor Area	2,083 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)

Location & Zoning

Street Address	4574 LUMINARY AVE
City	NAPLES
State	FL
Zip	34119-9074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONECREEK PLAT TWO LOT 484
Legal Range	26
Legal Township	48
Legal Section	9
Legal Subdivision	STONECREEK PLAT TWO
Legal Block	1
Legal Lot Number	484
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1016
Census Tract	11209

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	4574 LUMINARY AVE, NAPLES, FL 34119-9074
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 3, 2020	Special Warranty Deed, Transfer · Conventional Mortgage GLFINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	20205902258
Deed Book / Page	5796 / 148
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4574 LUMINARY AVE, NAPLES, FL 34119-9074
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4574 LUMINARY AVE, NAPLES, FL 34119-9074

Mortgage

Document Number	0062441701
Date	May 5, 2023
Book Page	6244/1701
Instrument	6399414

Lender

Name	PNC BANK NA
Type	Bank
Address	NAPLES, FL 34119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Apr 24, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 3, 2020
Property Address	4574 LUMINARY AVE, NAPLES, FL 34119-9074
Document Number	0057960148
Book / Page	5796 / 148
Map Reference	MB 62 PG 5
Instrument Date	Jul 27, 2020
Instrument	5902258
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NOVA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,832.80
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	4574 LUMINARY AVE, NAPLES, FL 34119-9074

Mortgage

Document Number	0005796150
Date	Aug 3, 2020
Instrument	5796/150

Lender

Name	GLFINANCIAL SERVICES LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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		$702,625 (+2.7%)	$948,141 (+1.03%) Land $372,940 Building $575,201
2025	$6,392.00 (+3.11%) Homeowner's exemption	$684,153 (+5.99%)	$938,446 (-20.17%) Land $507,284 Building $431,162
2023	$6,199.00 (-2.78%) Homeowner's exemption	$645,507 (+3%)	$1,175,513 (+10.44%) Land $530,836 Building $644,677
2022	$6,376.00 Homeowner's exemption	$626,706	$1,064,344 Land $380,540 Building $683,804

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 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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