645 97th Ave N, Naples, FL 34108 Property Records

Collier County property record for 645 97th Ave N, Naples, FL 34108

Property Summary

Property Type	Single Family Home
Details	1,438 sqft · built 1998
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$218,000 (Feb 2012)
Tax Bill	$2,029 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`510400 30 143A28`

Property Details

APN / Parcel Number

Primary APN	`510400 30 143A28`
Alternative APN	`62638650006`

Interior

Building Area	1,438 sqft Living Area
1st Floor Area	1,438 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Masonry / Concrete Block
Lot Area	6,534 sqft (0.15 acres)
Deck Area	342 sqft
Poultry House	252 sqft

Location & Zoning

Street Address	645 97TH AVE N
City	NAPLES
State	FL
Zip	34108-2280
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	NAPLES PARK UNIT 3 BLK 30 LOT 14
Legal Range	25
Legal Township	48
Legal Section	28
Legal Subdivision	NAPLES
Legal Tract	510400
Legal Block	30
Legal Lot Number	14
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2011
Census Tract	10110

Owner

645 97th Ave N is owned and occupied by two individuals who bought it in February 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 97TH AVE N, NAPLES, FL 34108-2280
Occupancy	Owner Occupied
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
Jun 21, 2017	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2012 · Amount on File
Deed Sale	Feb 16, 2012 · Amount on File
Prior Sale	Nov 4, 1998 · Amount on File
Deed Document Number	20124658798
Deed Book / Page	4765 / 2396
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	645 97TH AVE N, NAPLES, FL 34108-2280
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054072513
Date	Jun 21, 2017
Book Page	5407/2513
Instrument	5420528

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	645 97TH AVE N, NAPLES, FL 34108-2280
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057710346
Date	Jun 4, 2020
Book Page	5771/346
Instrument	5875716

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 645 97th Ave N was $2,029 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		$229,241 (+2.7%)	$541,019 (-18.44%) Land $391,500 Building $149,519
2025	$2,029.00 Homeowner's exemption	$223,214	$663,377 Land $438,750 Building $224,627
2023	$1,865.00 (-1.27%) Homeowner's exemption	$202,128 (+3%)	$732,836 (+21.1%) Land $573,750 Building $159,086
2022	$1,889.00 Homeowner's exemption	$196,241	$605,144 Land $432,338 Building $172,806

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

Flood

FEMA maps place 645 97th 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 161 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	161 in force
Nearby Flood Claims	71 (1985–2024)
Claims Outside the SFHA	20 of 71
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 33 claims Hurricane Ian, Sep 2022 · 22 claims Hurricane Irma, Sep 2017 · 6 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

The area around 645 97th Ave N has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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