645 103rd Ave N, Naples, FL 34108 Property Records

Collier County property record for 645 103rd Ave N, Naples, FL 34108

Property Summary

Property Type	Single Family Home
Details	1,844 sqft · built 1977
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Oct 2018)
Tax Bill	$8,855 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`510100 24 143A28`

Property Details

APN / Parcel Number

Primary APN	`510100 24 143A28`
Alternative APNs	`6258180000011920024143` `62581800000`

Interior

Stories	1 Story
Building Area	1,844 sqft Living Area
1st Floor Area	1,844 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	12,197 sqft (0.28 acres)
Pool Area	512 sqft
Deck Area	439 sqft

Location & Zoning

Street Address	645 103RD AVE N
City	NAPLES
State	FL
Zip	34108-3220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	NAPLES PARK UNIT 2 BLK 24 LOTS 14 + 15
Legal Range	25
Legal Township	48
Legal Section	28
Legal Subdivision	NAPLES
Legal Tract	510100
Legal Block	24
Legal Lot Number	14
Legal Unit	2
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	4
Census Block	4015
Census Tract	10110

Owner

645 103rd Ave N is owned by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3439 HEARTWOOD LN, ATLANTA, GA 30340-4036
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 23, 2018	Warranty Deed, Transfer · Conventional Mortgage VALLEY NATIONAL BANK
Mar 10, 2017	Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2018 · Amount on File
Deed Sale	Oct 23, 2018 · Amount on File
Prior Sale	Mar 10, 2017 · Amount on File
Deed Document Number	20185627978
Deed Book / Page	5564 / 3448
Prior Transfer Date	Dec 13, 2000
Prior Transfer Doc	2762002240
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	645 103RD AVE N, NAPLES, FL 34108-3220
Transaction Type	Mortgage
Record Updated	Apr 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25102 DANACORAL, DANA POINT, CA 92629-3111

Mortgage

Document Number	0059250458
Date	Apr 9, 2021
Book Page	5925/458
Instrument	6035553

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 23, 2018
Property Address	645 103RD AVE N, NAPLES, FL 34108-3220
Document Number	0055643448
Book / Page	5564 / 3448
Map Reference	MB02 PG107
Instrument Date	Oct 10, 2018
Instrument	5627978
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 ARNOW AVE, 1415, BRONX, NY 10469-5568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3439 HEARTWOOD LN, ATLANTA, GA 30340-4036

Mortgage

Document Number	0055643450
Date	Oct 23, 2018
Book Page	5564/3450
Instrument	5627979

Lender

Name	VALLEY NATIONAL BANK
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 10, 2017
Property Address	645 103RD AVE N, NAPLES, FL 34108-3220
Document Number	0053703497
Book / Page	5370 / 3497
Map Reference	MB2 PG107
Instrument Date	Feb 28, 2017
Instrument	5376859
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FLORIDA UNIVERSAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4331 MOURNING DOVE DR, 4331, NAPLES, FL 34119-8870

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1415 ARNOW AVE, BRONX, NY 10469-5568

Mortgage

Document Number	0005376860
Date	Mar 10, 2017
Instrument	5376860

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 645 103rd Ave N was $8,855.

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		$852,715 (+9.34%) Land $634,700 Building $218,015	$852,715 (-17.85%) Land $634,700 Building $218,015
2025	$8,855.00	$779,871	$1,038,024 Land $711,302 Building $326,722
2023	$8,556.00 (+10.76%)	$644,522 (+1%)	$1,090,671 (+24.49%) Land $775,136 Building $315,535
2022	$7,725.00	$585,929	$876,117 Land $584,088 Building $292,029

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

Flood

FEMA maps place 645 103rd Ave N in Zone X, an area of minimal flood risk, though there have been 35 flood claims nearby since 1995.

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 minimal risk
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	Hurricane Ian, Sep 2022 · 9 claims Hurricane Ian, Sep 2022 · 5 claims 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 645 103rd 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 99.8% of the US · lower than 99.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 738 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

May also be available: Hotwire Communications, Summit Broadband.

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