Collier County property record for 496 Germain Ave, Naples, FL 34108
| Property Type | Single Family Home |
|---|---|
| Details | 2,075 sqft · built 1987 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,465,000 (Dec 2020) |
| Tax Bill | $17,437 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2020 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 233800 P 13A29 |
| Primary APN | 233800 P 13A29 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,075 sqft Living Area |
| 1st Floor Area | 2,075 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Waterfront |
| Pool Area | 275 sqft |
| Deck Area | 677 sqft |
| Boat Access | Boat Access |
| Street Address | 496 GERMAIN AVE |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34108-2128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-3 |
| Legal Description | CONNERS VANDERBILT BCH EST UNIT 2 BLK P LOT 1 |
| Legal Range | 25 |
| Legal Township | 48 |
| Legal Section | 29 |
| Legal Subdivision | CONNERS VANDERBILT BCH EST #2 |
| Legal Tract | 233800 |
| Legal Block | P |
| Legal Lot Number | 1 |
| Legal Unit | 2 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10209 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 496 GERMAIN AVE, NAPLES, FL 34108-2128 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Mar 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Dec 4, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2020 · Amount on Record |
| Deed Sale | Dec 4, 2020 · Amount on Record |
| Prior Sale | May 4, 2015 · Amount on Record |
| Deed Document Number | 20205964660 |
| Deed Book / Page | 5855 / 965 |
| Prior Transfer Date | Jul 19, 2004 |
| Prior Transfer Doc | 0003454509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 496 GERMAIN AVE, NAPLES, FL 34108-2128 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 777 DOHENY DR, NORTHVILLE, MI 48167-1957 |
| Document Number | 0059160585 |
|---|---|
| Date | Mar 27, 2021 |
| Book Page | 5916/585 |
| Instrument | 6026605 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.37% |
| Index | 1-Year LIBOR |
| Max Rate | 7.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Dec 4, 2020 |
| Property Address | 496 GERMAIN AVE, NAPLES, FL 34108-2128 |
| Document Number | 0058550965 |
| Book / Page | 005855 / 000965 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 5964660 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $10,255.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 777 DOHENY CT NORTHVILLE MI 48168, NORTHVILLE, MI 48168 |
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,182,987 (+53.89%) Land $1,696,500 Building $486,487 | $2,182,987 (+7.51%) Land $1,696,500 Building $486,487 | |
| 2025 | $17,437.00 (-6.3%) | $1,418,556 (+22.58%) | $2,030,489 (-21.08%) Land $1,521,000 Building $509,489 |
| 2023 | $18,610.00 (+31.84%) | $1,157,290 (+1%) | $2,572,851 (+70.64%) Land $2,307,825 Building $265,026 |
| 2022 | $14,116.00 | $1,052,082 | $1,507,780 Land $1,234,643 Building $273,137 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 218 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 499 units insured incl. 281 condo units |
| Nearby Flood Claims | 411 (1982–2024) |
| Claims Outside the SFHA | 3 of 411 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COLLIER COUNTY REGIONAL WTP serves 216,993 people · EPA ID FL5114069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 9 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.
Source: FCC Broadband Data Collection, based on 447 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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