Collier County property record for 609 109th Ave N, Naples, FL 34108
| Property Type | Single Family Home |
|---|---|
| Details | 1,613 sqft · built 2019 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $40,000 (Sep 1998) |
| Tax Bill | $8,232 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Sep 2019 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 510100 18 233A28 |
| Primary APN | 510100 18 233A28 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,613 sqft Living Area |
| 1st Floor Area | 1,613 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 6,534 sqft (0.15 acres) |
| Pool Area | 264 sqft |
| Deck Area | 436 sqft |
| Street Address | 609 109TH AVE N |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34108-1809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF-6 |
| Legal Description | NAPLES PARK UNIT 2 BLK 18 LOT 23 |
| Legal Range | 25 |
| Legal Township | 48 |
| Legal Section | 28 |
| Legal Subdivision | NAPLES |
| Legal Tract | 510100 |
| Legal Block | 18 |
| Legal Lot Number | 23 |
| Legal Unit | 2 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 10110 |
609 109th Ave N is owned by two individuals who bought it in September 1998.
Source: Collier County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 161 MADERA WAY, MOUNTAIN VIEW, CA 94041-1549 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 22, 2019 | Loan Modification, Mortgage LAKE MI CU |
| May 16, 2018 | Deed of Trust, Mortgage LAKE MI CU |
| Dec 6, 2017 | Warranty Deed, Transfer · Conventional with PMI LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 1998 · Amount on File |
| Deed Sale | Sep 10, 1998 · Amount on File |
| Deed Book / Page | 2460 / 891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 609 109TH AVE N, NAPLES, FL 34108-1809 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1196 ANDRE AVE, MOUNTAIN VIEW, CA 94040-4502 |
| Document Number | 0059191203 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | 5919/1203 |
| Instrument | 6029666 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 609 109TH AVE N, NAPLES, FL 34108-1809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056732593 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 5673/2593 |
| Instrument | 5765387 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 609 109TH AVE N, NAPLES, FL 34108-1809 |
| Document Number | 0056553018 |
| Instrument Date | Jul 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0056553018 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 005655/003018 |
| Instrument | 5744056 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501-2848 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 24, 2049 |
| Rate | 4.36% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 609 109TH AVE N, NAPLES, FL 34108-1809 |
| Document Number | 0055200320 |
| Instrument Date | May 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 609 109TH AVE N NAPLES FL 34108, NAPLES, FL 34108 |
| Document Number | 0055200320 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 005520/000320 |
| Instrument | 5569149 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.36% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Dec 6, 2017 |
| Property Address | 609 109TH AVE N, NAPLES, FL 34108-1809 |
| Document Number | 0054552968 |
| Book / Page | 005455 / 002968 |
| Instrument Date | Dec 4, 2017 |
| Instrument | 5479977 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ALPHA TITLE SERVICES/FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1196 ANDRE AVE MOUNTAIN VIEW CA 940404502, MOUNTAIN VIEW, CA 94040-4502 |
| Document Number | 54552971 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 005455/002971 |
| Instrument | 5479978 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.61% |
The 2025 property tax bill for 609 109th Ave N was $8,232.
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 | $798,133 (+2.72%) Land $391,500 Building $406,633 | $798,133 (-10.84%) Land $391,500 Building $406,633 | |
| 2025 | $8,232.00 | $776,976 | $895,173 Land $438,750 Building $456,423 |
| 2023 | $8,265.00 (+8.84%) | $642,129 (+1%) | $1,025,847 (+20.74%) Land $573,750 Building $452,097 |
| 2022 | $7,594.00 | $583,754 | $849,618 Land $432,338 Building $417,280 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 609 109th Ave N in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 204 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 207 units insured incl. 3 condo units |
| Nearby Flood Claims | 35 (1995–2024) |
| Claims Outside the SFHA | 17 of 35 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| 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.
Wildfire risk around 609 109th Ave N is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 332 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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