490 16th St SE, Naples, FL 34117 Property Records

Collier County property record for 490 16th St SE, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	1,328 sqft · built 1997
Lot Size	1.63 acres (71,438 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Dec 2022)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`342700 11 24C12`

Property Details

APN / Parcel Number

Primary APN	`342700 11 24C12`
Alternative APNs	`393815200050753001124` `39381520005`

Interior

Stories	1 Story
Building Area	1,328 sqft Living Area
1st Floor Area	1,328 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Masonry / Concrete Block
Lot Area	71,438 sqft
Deck Area	720 sqft

Location & Zoning

Street Address	490 16TH ST SE
City	NAPLES
State	FL
Zip	34117-9418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 51 S 105FT OF TR 11
Legal Range	27
Legal Township	49
Legal Section	12
Legal Subdivision	GOLDEN GATE EST UNIT 51
Legal Tract	11
Legal Block	3
Legal Lot Number	2
Legal Unit	51
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3003
Census Tract	10426

Owner

490 16th St SE is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	490 16TH ST SE, NAPLES, FL 34117-9418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jul 28, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage THIRD FSLA OF CLEVELAND
Dec 27, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2022 · Amount on File
Deed Sale	Dec 27, 2022 · Amount on File
Prior Sale	May 5, 2014 · Amount on File
Deed Document Number	20226344777
Deed Book / Page	6201 / 3479
Prior Transfer Date	Apr 10, 2014
Prior Transfer Doc	0050332000
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	490 16TH ST SE, NAPLES, FL 34117-9418
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 16TH ST SE, NAPLES, FL 34117-9418

Mortgage

Document Number	0065181824
Date	Oct 20, 2025
Book Page	6518/1824
Instrument	6742932

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 16, 2040

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	490 16TH ST SE, NAPLES, FL 34117-9418
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 16TH ST SE, NAPLES, FL 34117-9418

Mortgage

Document Number	0062723234
Date	Jul 28, 2023
Book Page	6272/3234
Instrument	6434233

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 21, 2033

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 27, 2022
Property Address	490 16TH ST SE, NAPLES, FL 34117-9418
Document Number	0062013479
Book / Page	6201 / 3479
Map Reference	MB 5 PG 84
Instrument Date	Dec 22, 2022
Instrument	6344777
Transaction Type	Transfer
Record Updated	Jan 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3201 TAMIAMI TRL N, NAPLES, FL 34103-4135

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 16TH ST SE, NAPLES, FL 34117-9418

Tax Assessment & Valuation

The 2025 property tax bill for 490 16th St SE was $2,500 with a homeowner's exemption, up 6.9% 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		$260,240 (+2.7%)	$267,990 (-20.73%) Land $83,640 Building $184,350
2025	$2,500.00 (+6.88%) Homeowner's exemption	$253,398	$338,062 Land $83,640 Building $254,422
2024	$2,339.00 (-8.06%)
2023	$2,544.00 (-5.71%) Homeowner's exemption	$262,205 (+31.63%) Land $80,360 Building $181,845	$262,205 (-0.26%) Land $80,360 Building $181,845
2022	$2,698.00	$199,205	$262,896 Land $91,266 Building $171,630

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

FEMA maps place 490 16th St SE 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 256 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	264 units insured incl. 8 condo units
Nearby Flood Claims	4 (2017–2026)
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 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 490 16th St SE is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Streamline Internet.

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