Collier County property record for 475 Saddlebrook Ln, Naples, FL 34110
| Property Type | Single Family Home |
|---|---|
| Details | 3,337 sqft · built 2008 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $565,001 (Jul 2015) |
| Tax Bill | $6,114 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2021 Second Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 412650 73A23 |
| Primary APN | 412650 73A23 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,337 sqft Living Area |
| 1st Floor Area | 3,337 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Pool Area | 300 sqft |
| Deck Area | 661 sqft |
| Street Address | 475 SADDLEBROOK LN |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34110-1379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3 |
| Legal Description | HORSE CREEK ESTATES LOT 7 |
| Legal Range | 25 |
| Legal Township | 48 |
| Legal Section | 23 |
| Legal Subdivision | HORSE CREEK ESTATES |
| Legal Tract | 412650 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10108 |
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 | 475 SADDLEBROOK LN, NAPLES, FL 34110-1379 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK |
| Mar 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CIBC BANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2015 · Amount on Record |
| Deed Sale | Jul 7, 2015 · Amount on Record |
| Prior Sale | Jul 2, 2015 · Amount on Record |
| Deed Document Number | 20155145086 |
| Deed Book / Page | 5171 / 2464 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | May 19, 2026 |
| Property Address | 475 SADDLEBROOK LN, NAPLES, FL 34110-1379 |
| Document Number | 0006827009 |
| Book / Page | 6589 / 1679 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 20266827009 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 475 SADDLEBROOK LN, NAPLES, FL 34110-1379 |
| Document Number | 0006827009, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 6589/1679 |
| Instrument | 20266827009 |
| Name | BMO HARRIS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 475 SADDLEBROOK LN, NAPLES, FL 34110-1379 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0059183183 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 5918/3183 |
| Instrument | 6029171 |
| Name | CIBC BANK USA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60603 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $635,611 (+2.7%) | $981,877 (-11.37%) Land $401,507 Building $580,370 | |
| 2025 | $6,114.00 (+3.33%) Homeowner's exemption | $618,901 (+5.99%) | $1,107,795 (+8.28%) Land $479,334 Building $628,461 |
| 2023 | $5,917.00 (+1.84%) Homeowner's exemption | $583,941 (+3%) | $1,023,060 (-3.46%) Land $354,533 Building $668,527 |
| 2022 | $5,810.00 Homeowner's exemption | $566,933 | $1,059,768 Land $348,867 Building $710,901 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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