495 16th St SE, Naples, FL 34117 Property Records

Collier County property record for 495 16th St SE, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	3,657 sqft · built 2017
Lot Size	2.71 acres (118,483 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,350,000 (Feb 2025)
Tax Bill	$6,725 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Sep 2020 Line of Credit + 2 more
Flood Zone	Zone AH (high risk)
APN	`341800 126 14C11`

Property Details

APN / Parcel Number

Primary APN	`341800 126 14C11`
Alternative APN	`39209600007`

Interior

Stories	1 Story
Building Area	3,657 sqft Living Area
1st Floor Area	2,618 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	118,483 sqft
Garage Type	Carport
Garage Area	1,350 sqft
Carport	Carport
Carport Area	1,350 sqft
Parking Spaces	8 Parking Spaces
Deck Area	640 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	495 16TH ST SE
City	NAPLES
State	FL
Zip	34117-9419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 48 S 180FT OF TR 126
Legal Range	27
Legal Township	49
Legal Section	11
Legal Subdivision	GOLDEN GATE EST UNIT 48
Legal Tract	126
Legal Block	3
Legal Lot Number	1
Legal Unit	48
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3004
Census Tract	10426

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	495 16TH ST SE, NAPLES, FL 34117-9419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Sep 22, 2020	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE MI CU
Jun 12, 2017	Loan Modification, Mortgage FIRST GUARANTY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2025 · Amount on Record
Deed Sale	Feb 26, 2025 · Amount on Record
Prior Sale	Aug 9, 2016 · Amount on Record
Deed Document Number	20256649147
Deed Book / Page	6442 / 1676
Prior Transfer Date	Jul 5, 2016
Prior Transfer Doc	0053020724
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	495 16TH ST SE, NAPLES, FL 34117-9419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054550210
Date	Dec 5, 2017
Book Page	5455/0210
Instrument	5479052

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	495 16TH ST SE, NAPLES, FL 34117-9419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058191982
Date	Sep 22, 2020
Book Page	5819/1982
Instrument	5926963

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	495 16TH ST SE, NAPLES, FL 34117-9419
Document Number	0057812407
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	495 16TH ST SE NAPLES FL 341179419, NAPLES, FL 34117-9419

Mortgage

Document Number	0057812407
Date	Jun 30, 2020
Book Page	005781/002407
Instrument	5887000

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	495 16TH ST SE, NAPLES, FL 34117-9419
Document Number	0054052396
Book / Page	005405 / 002396
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	495 16TH ST SE NAPLES FL 34117, NAPLES, FL 34117

Mortgage

Document Number	0054052396
Date	Jun 14, 2017
Book Page	005405/002396
Instrument	5418053

Lender

Name	FIRST GUARANTY MTG
Type	Funding / Finance Company
Address	TYSONS CORNER, VA 22182

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2047

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		$921,058 (+46.06%) Land $138,720 Building $782,338	$921,058 (-3.38%) Land $138,720 Building $782,338
2025	$6,725.00 (+8.03%) Homeowner's exemption	$630,621 (+5.99%)	$953,263 (-14.01%) Land $138,720 Building $814,543
2023	$6,225.00 (-2.09%) Homeowner's exemption	$594,998 (+3%)	$1,108,612 (+10.25%) Land $220,320 Building $888,292
2022	$6,358.00 Homeowner's exemption	$577,668	$1,005,499 Land $169,932 Building $835,567

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

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 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

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% 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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