495 18th Ave S, Naples, FL 34102 Property Records

Collier County property record for 495 18th Ave S, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	3,410 sqft · built 2004
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,497,500 (Nov 2018)
Tax Bill	$26,553 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`004300 5 65A09`

Property Details

APN / Parcel Number

Primary APN	`004300 5 65A09`
Alternative APNs	`01782440000001200565` `01782440000` `1782440000`

Interior

Stories	2 Stories
Building Area	3,410 sqft Living Area
1st Floor Area	3,410 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Masonry / Concrete Block
Lot Area	12,632 sqft (0.29 acres)
View / Lot	Waterfront
Pool Area	336 sqft
Deck Area	921 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	495 18TH AVE S
City	NAPLES
State	FL
Zip	34102-7534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	AQUALANE SHORES UNIT 2 BLK 5 LOT 6
Legal Range	25
Legal Township	50
Legal Section	9
Legal Subdivision	AQUALANE SHORES UNIT 2
Legal Tract	004300
Legal Block	5
Legal Lot Number	6
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2012
Census Tract	500

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 18TH AVE S, NAPLES, FL 34102-7534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Nov 26, 2018	Warranty Deed, Transfer · ARM VALLEY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2018 · Amount on Record
Deed Sale	Nov 26, 2018 · Amount on Record
Prior Sale	Jun 27, 2007 · Amount on Record
Deed Document Number	20185640624
Deed Book / Page	5574 / 2800
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	495 18TH AVE S, NAPLES, FL 34102-7534
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 18TH AVE S, NAPLES, FL 34102-7534

Mortgage

Document Number	0059382131
Date	May 3, 2021
Book Page	5938/2131
Instrument	6049750

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Margin	2
Max Rate	7.75%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 26, 2018
Property Address	495 18TH AVE S, NAPLES, FL 34102-7534
Document Number	0055742800
Book / Page	5574 / 2800
Map Reference	MB1 PG96
Instrument Date	Nov 14, 2018
Instrument	5640624
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,482.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16482 RESERVE PLACE, 16482, NAPLES, FL 34109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 18TH AVE S, NAPLES, FL 34102-7534

Mortgage

Document Number	0005640625
Date	Nov 26, 2018
Instrument	5640625

Lender

Name	VALLEY NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.87%
Index	1-Year CMT
Margin	3
Max Rate	9.87%

Tax Assessment & Valuation

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,058,542 (+2.9%)	$4,702,577 (-15.88%) Land $4,217,675 Building $484,902
2025	$26,553.00 (+1.24%) Homeowner's exemption	$2,972,327 (+5.99%)	$5,590,044 (-8.43%) Land $3,371,595 Building $2,218,449
2023	$26,227.00 (-2.69%) Homeowner's exemption	$2,804,426 (+3%)	$6,104,762 (+39.58%) Land $4,771,125 Building $1,333,637
2022	$26,952.00 Homeowner's exemption	$2,722,744	$4,373,577 Land $3,179,478 Building $1,194,099

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 299 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	299 in force
Nearby Flood Claims	265 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 50 claims Hurricane Ian, Oct 2022 · 94 claims Hurricane Ian, Sep 2022 · 95 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	Not rated no burnable land within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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