482 Ridge Dr, Naples, FL 34108 Property Records

Collier County property record for 482 Ridge Dr, Naples, FL 34108 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4,795 sqft · built 2017
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$7,000,000 (Jul 2023)
Tax Bill	$50,743 (2025)
Deeds & Mortgages	Oct 2023 Transfer Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`561400 Q 54A03`

Property Details

APN / Parcel Number

Primary APN	`561400 Q 54A03`
Alternative APNs	`67286480005128400Q54` `67286480005`

Interior

Stories	2 Stories
Building Area	4,795 sqft Living Area
1st Floor Area	4,795 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	45,738 sqft (1.05 acres)

Exterior Amenities

Pool Area	540 sqft
Porch	Open Aluminum/Fiberglass Porch
Porch Area	256 sqft
Deck Area	278 sqft

Location & Zoning

Street Address	482 RIDGE DR
City	NAPLES
State	FL
Zip	34108-2672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE RIDGE EXT BLK Q LOT 5
Legal Range	25
Legal Township	49
Legal Section	3
Legal Subdivision	PINE RIDGE EXTENSION
Legal Tract	561400
Legal Block	Q
Legal Lot Number	5
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1014
Census Tract	10205

Owner

Source: Collier County records · APN 561400 Q 54A03

Assessment roll updated September 9, 2025 · Last verified August 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 File
Mailing Address	482 RIDGE DR, NAPLES, FL 34108-2672
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 18, 2023	Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Jul 21, 2021	Warranty Deed, Transfer ATTORNEY
Apr 12, 2018	Deed of Trust, Mortgage · Land Contract BMO HARRIES BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 18, 2023 · Amount on Record
Deed Sale	Jul 18, 2023 · Amount on Record
Prior Sale	Jul 21, 2021 · Amount on Record
Deed Document Number	20236429975
Deed Book / Page	6269 / 1713
Last Transfer Date	Oct 20, 2023
Transfer Doc	0063003040
Record Updated	Sep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Oct 27, 2023
Property Address	482 RIDGE DR, NAPLES, FL 34108-2672
Document Number	0063003040
Book / Page	6300 / 3040
Map Reference	MB 3 PG 51
Instrument Date	Oct 20, 2023
Instrument	6469868
Transaction Type	Transfer
Record Updated	Nov 09, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	482 RIDGE DR, NAPLES, FL 34108-2672

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	482 RIDGE DR, NAPLES, FL 34108-2672

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 18, 2023
Property Address	482 RIDGE DR, NAPLES, FL 34108-2672
Document Number	0062691713
Book / Page	6269 / 1713
Map Reference	MB 3 PG 51
Instrument Date	Jul 14, 2023
Instrument	6429975
Transaction Type	Transfer
Record Updated	Aug 04, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$49,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	482 RIDGE DR, NAPLES, FL 34108-2672

Mortgage

Document Number	0062691715
Date	Jul 18, 2023
Instrument	6269/1715

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Aug 01, 2028
Change Frequency	6 Months
Min Rate At Change	5.87%
Max Rate At Change	7.87%
Max Rate	10.8%

Mortgage

Document Number	0062700694
Date	Jul 20, 2023
Book Page	6270/694
Instrument	6430828

Lender

Name	COGENT BANK
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 21, 2021
Property Address	482 RIDGE DR, NAPLES, FL 34108-2672
Document Number	0059850231
Book / Page	5985 / 231
Map Reference	MB 3 PG 51
Instrument Date	Jul 19, 2021
Instrument	6099175
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$46,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6582 TRAIL BLVD, 6582, NAPLES, FL 34108-2742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6312 TRAIL BLVD, NAPLES, FL 34108-2836

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	482 RIDGE DR, NAPLES, FL 34108-2672
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054972465
Date	Apr 12, 2018
Book Page	5497/2465
Instrument	5539678

Lender

Name	BMO HARRIES BANK NA
Type	Non-Lending Institution
Address	CHICAGO, IL 60690

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	360 Months
Due	Apr 06, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Collier County records · Assessment roll updated September 9, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$50,743.00 (-3.57%) Homeowner's exemption	$5,349,786 (+10.56%)	$5,704,016 (-0.82%) Land $2,126,817 Building $3,577,199
2024	$52,620.00 (+21,032.53%)
2023	$249.00 (+8.26%) Homeowner's exemption Disabled Person's exemption	$4,838,769 (+3%)	$5,751,337 (+22.43%) Land $1,978,169 Building $3,773,168
2022	$230.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$4,697,834 Land $1,248,647 Building $3,449,187	$4,697,834 Land $1,248,647 Building $3,449,187

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Collier County (12021C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120210102051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Cost	Premium on Record median of 167 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	23 (1995–2017)
Claims Outside the SFHA	13 of 23
Most Recent Claim	Oct 2017, other causes, Hurricane Irma
Claims By Storm	Hurricane Irma, Oct 2017 · 14 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 92 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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