491 3rd St SW, Naples, FL 34117 Property Records

Collier County property record for 491 3rd St SW, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	2,919 sqft · built 2006
Lot Size	2.73 acres (118,919 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Dec 2022)
Tax Bill	$7,307 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`328900 78 04C09`

Property Details

APN / Parcel Number

Primary APN	`328900 78 04C09`
Alternative APN	`37165880002`

Interior

Stories	1 Story
Building Area	2,919 sqft Living Area
Gross Area	3,063 sqft
1st Floor Area	2,919 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Masonry / Concrete Block
Lot Area	118,919 sqft
Garage Type	Attached
Garage Area	144 sqft
Pool Area	336 sqft
Deck Area	978 sqft

Location & Zoning

Street Address	491 3RD ST SW
City	NAPLES
State	FL
Zip	34117-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 12 S 180FT OF TR 78
Legal Range	27
Legal Township	49
Legal Section	9
Legal Subdivision	GOLDEN GATE EST UNIT 12
Legal Tract	78
Legal Block	2
Legal Unit	12
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2000
Census Tract	10426

Owner

491 3rd St SW 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	491 3RD ST SW, NAPLES, FL 34117-2112
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 7, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Sep 23, 2021	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2022 · Amount on File
Deed Sale	Dec 7, 2022 · Amount on File
Prior Sale	Nov 5, 2012 · Amount on File
Deed Document Number	20226337878
Deed Book / Page	6196 / 2763
Prior Transfer Date	Sep 17, 2021
Prior Transfer Doc	0060161967
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 7, 2022
Property Address	491 3RD ST SW, NAPLES, FL 34117-2112
Document Number	0061962763
Book / Page	6196 / 2763
Map Reference	MB 4 PG 105&106
Instrument Date	Nov 30, 2022
Instrument	6337878
Transaction Type	Transfer
Record Updated	Dec 19, 2022
Title Company	NAPLES TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	491 3RD ST SW, NAPLES, FL 34117-2112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 3RD ST SW, NAPLES, FL 34117-2112

Mortgage

Document Number	0061962765
Date	Dec 7, 2022
Instrument	6196/2765

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Sep 23, 2021
Property Address	491 3RD ST SW, NAPLES, FL 34117-2112
Document Number	0060161967
Book / Page	6016 / 1967
Map Reference	MB 4 PG 105&106
Instrument Date	Sep 17, 2021
Instrument	6132671
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	491 3RD ST SW, NAPLES, FL 34117-2112

Tax Assessment & Valuation

The 2025 property tax bill for 491 3rd St SW was $7,307 with a homeowner's exemption, up 1.1% 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		$730,134 (+2.7%)	$833,882 (+17.29%) Land $223,874 Building $610,008
2025	$7,307.00 (+1.05%) Homeowner's exemption	$710,939 Land $145,373 Building $565,566	$710,939 Land $145,373 Building $565,566
2024	$7,231.00 (-8.25%)
2023	$7,881.00 Homeowner's exemption	$779,758 (+110.6%) Land $188,370 Building $591,388	$779,758 (+1.69%) Land $188,370 Building $591,388
2022		$370,248	$766,766 Land $209,255 Building $557,511
2021	$3,882.00

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 491 3rd St SW in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 242 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	242 in force
Nearby Flood Claims	8 (2017–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 7 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 491 3rd St SW is moderate, ranking above 51% 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 51% of the US · lower than 78% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Streamline Internet, T-Mobile.

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