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4982 38th Ave SE, Naples, FL 34117 Property Records

Collier County property record for 4982 38th Ave SE, Naples, FL 34117

Property Summary

Property TypeSingle Family Home
Details1,603 sqft · built 2025
Lot Size6.25 acres (272,250 sqft)
Owner2 Individual Names on File
Last Sale$108,000 (Dec 2019)
Tax Bill$1,296 (2025)
Deeds & MortgagesOct 2023 Mortgage
Dec 2019 Sale
Flood ZoneZone AH (high risk)
APN354100 115 04D33

Property Details

APN / Parcel Number

Primary APN354100 115 04D33
Alternative APNs
  • 4151060000107900011504
  • 41510600001

Interior

Building Area1,603 sqft Living Area

Exterior

Year BuiltBuilt 2025
Effective Year BuiltEffective 2025
Lot Area272,250 sqft

Location & Zoning

Street Address4982 38TH AVE SE
CityNAPLES
StateFL
Zip34117-9530
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeE
Legal DescriptionGOLDEN GATE EST UNIT 91 TR 115
Legal Range28
Legal Township49
Legal Section33
Legal SubdivisionGOLDEN GATE EST UNIT 91
Legal Tract115
Legal Block2
Legal Unit91
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group2
Census Block2021
Census Tract10428

Owner

4982 38th Ave SE is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record2 Individual Names on File
Mailing Address4982 38TH AVE SE, NAPLES, FL 34117-9530
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

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

DateDocument
Oct 20, 2023Deed of Trust, Mortgage · Conventional Mortgage
LAKE MICHIGAN CU
Dec 24, 2019Warranty Deed, Transfer
PARADISE COAST TITLE AND ESCROW, PARADISE COAST TITLE & ESCROW

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 24, 2019 · Amount on File
Deed SaleDec 24, 2019 · Amount on File
Prior SaleApr 20, 2016 · Amount on File
Deed Document Number20195808103
Deed Book / Page5710 / 1712
Prior Transfer DateDec 17, 2019
Prior Transfer Doc0057101708
Record UpdatedOct 29, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address4982 38TH AVE SE, NAPLES, FL 34117
Transaction TypeMortgage
Record UpdatedNov 7, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3460 POINTE CREEK CT 101, 101, BONITA SPRINGS, FL 34134-2015

Mortgage

Document Number0062982501
DateOct 20, 2023
Book Page6298/2501
Instrument6467259
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
AddressGRAND RAPIDS, MI 49546
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term373 Months
DueNov 1, 2054
Interest
Rate TypeAdjustable Rate
Rate8.12%
Type Change DateNov 1, 2031
Change FrequencyAnnually
Min Rate At Change3.12%
Max Rate At Change13.1%
Index1-Year T-Bill
Max Rate13.1%

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateDec 24, 2019
Property Address4982 38TH AVE SE, NAPLES, FL 34117
Document Number0057101712
Book / Page005710 / 001712
Instrument DateDec 20, 2019
Instrument5808103
Transaction TypeTransfer
Record UpdatedJan 15, 2020
Title CompanyPARADISE COAST TITLE AND ESCROW, PARADISE COAST TITLE & ESCROW

Transaction

AmountAmount on Record
Tax$756.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3460 POINTE CREEK CT BONITA SPRINGS FL 341342015, BONITA SPRINGS, FL 34134-2015

Tax Assessment & Valuation

The 2025 property tax bill for 4982 38th Ave SE was $1,296 with a homeowner's exemption, up 58% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$690,851 (+716.19%)$790,331 (+565.54%) Land $118,750 Building $671,581
2025$1,296.00 (+58.05%)$84,643$118,750 Land $118,750
2024$820.00 (-9.19%)
2023$903.00 (+8.66%)$69,953 (+1%)$112,500 (+2%) Land $112,500
2022$831.00$63,594$93,750 Land $93,750

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

Flood

FEMA maps place 4982 38th Ave 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 ZoneZone AH
high risk · shallow ponding 1–3 ft
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 532 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies532 in force
Nearby Flood Claims13 (1999–2024)
Claims Outside the SFHA1 of 13
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Irma, Sep 2017 · 8 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 4982 38th Ave SE is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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

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