531 2nd St SE, Naples, FL 34117 Property Records

Collier County property record for 531 2nd St SE, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	1,783 sqft · built 1999
Lot Size	2.26 acres (98,881 sqft)
Owner	2 Individual Names on File
Last Sale	$15,900 (Dec 1998)
Tax Bill	$1,691 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Sep 2025 Mortgage + 4 more
Flood Zone	Zone AH (high risk)
APN	`329200 29 4C10`

Property Details

APN / Parcel Number

Primary APN	`329200 29 4C10`
Alternative APNs	`329200 29 04C10` `37222200004`

Interior

Stories	1 Story
Building Area	1,783 sqft Living Area
1st Floor Area	1,783 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Masonry / Concrete Block
Lot Area	98,881 sqft
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	108 sqft

Location & Zoning

Street Address	531 2ND ST SE
City	NAPLES
State	FL
Zip	34117-9366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 13 S 150FT OF TR 29
Legal Range	27
Legal Township	49
Legal Section	10
Legal Subdivision	GOLDEN GATE EST UNIT 13
Legal Tract	29
Legal Block	3
Legal Unit	13
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3010
Census Tract	10426

Owner

531 2nd St SE is owned and occupied by two individuals who bought it in December 1998.

Source: Collier County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	531 2ND ST SE, NAPLES, FL 34117-9366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jul 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Sep 6, 2018	Deed of Trust, Mortgage FIFTH THIRD BANK
Apr 23, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FED'L SVGS
Jul 14, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/S FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 1998 · Amount on File
Deed Sale	Dec 2, 1998 · Amount on File
Deed Book / Page	2486 / 1802
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	Oct 6, 2026
Property Address	531 2ND ST SE, NAPLES, FL 34117-9366
Document Number	0006882577
Book / Page	6635 / 3785
Instrument Date	Sep 25, 2026
Instrument	20266882577
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 2ND ST SE, NAPLES, FL 34117-9366

Mortgage

Document Number	0006882577,
Date	Oct 6, 2026
Book Page	6635/3785
Instrument	20266882577

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	531 2ND ST SE, NAPLES, FL 34117-9366
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 2ND ST SE, NAPLES, FL 34117-9366

Mortgage

Document Number	0065120985
Date	Sep 30, 2025
Book Page	6512/985
Instrument	6735606

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.34%
Type Change Date	Sep 26, 2030
Change Frequency	6 Months
Min Rate At Change	4.34%
Max Rate At Change	8.34%
Index	Prime Rate
Max Rate	12.3%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	531 2ND ST SE, NAPLES, FL 34117-9366
Transaction Type	Mortgage
Record Updated	Jul 28, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 2ND ST SE, NAPLES, FL 34117-9366

Mortgage

Document Number	0062673882
Date	Jul 13, 2023
Book Page	6267/3882
Instrument	6428041

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.54%
Type Change Date	Jul 6, 2028
Change Frequency	Annually
Min Rate At Change	4.54%
Max Rate At Change	8.54%
Index	Prime Rate
Max Rate	12.5%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	531 2ND ST SE, NAPLES, FL 34117-9366
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055500528
Date	Sep 6, 2018
Book Page	5550/0528
Instrument	5608939

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2033

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	531 2ND ST SE, NAPLES, FL 34117-9366
Document Number	0057583062
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	531 2ST SE NAPLES FL 34117, NAPLES, FL 34117

Mortgage

Document Number	0057583062
Date	May 4, 2020
Book Page	005758/003062
Instrument	5862434

Lender

Name	THIRD FED'L SVGS
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	531 2ND ST SE, NAPLES, FL 34117-9366
Document Number	0054262642
Book / Page	005426 / 002642
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	531 2ND ST SE NAPLES FL 341179366, NAPLES, FL 34117-9366

Mortgage

Document Number	0054262642
Date	Aug 18, 2017
Book Page	005426/002642
Instrument	5442321

Lender

Name	FIFTH THIRD BK/S FL
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 531 2nd St SE was $1,691 with a homeowner's exemption.

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		$181,174 (+2.7%)	$374,531 (-20.46%) Land $120,878 Building $253,653
2025	$1,691.00 Homeowner's exemption	$176,411	$470,867 Land $120,878 Building $349,989
2023	$1,557.00 (-0.51%) Homeowner's exemption	$166,446 (+3%)	$407,216 (+12.8%) Land $123,715 Building $283,501
2022	$1,565.00 Homeowner's exemption	$161,598	$361,011 Land $93,553 Building $267,458

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

Flood

FEMA maps place 531 2nd St 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 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 File 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

Wildfire risk around 531 2nd St SE is moderate, ranking above 58% 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 Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% 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 44 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.

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