646 99th Ave N, Naples, FL 34108 Property Records

Collier County property record for 646 99th Ave N, Naples, FL 34108

Property Summary

Property Type	Single Family Home
Details	1,386 sqft · built 1977
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jun 2019)
Tax Bill	$4,917 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`510400 29 373A28`

Property Details

APN / Parcel Number

Primary APN	`510400 29 373A28`
Alternative APNs	`6263780000611930029373` `62637800006`

Interior

Stories	1 Story
Building Area	1,386 sqft Living Area
1st Floor Area	1,386 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Masonry / Concrete Block
Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	646 99TH AVE N
City	NAPLES
State	FL
Zip	34108-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	NAPLES PARK UNIT 3 BLK 29 LOT 37
Legal Range	25
Legal Township	48
Legal Section	28
Legal Subdivision	NAPLES
Legal Tract	510400
Legal Block	29
Legal Lot Number	37
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2008
Census Tract	10110

Owner

646 99th Ave N is owned by two individuals who bought it in June 2019.

Source: Collier County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 110807, NAPLES, FL 34108-0114
Owner Type	Individual
Vesting	Joint 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

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRIC BANK
Jun 19, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTRIC BK NA
May 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Dec 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on File
Deed Sale	Jun 19, 2019 · Amount on File
Prior Sale	Apr 6, 2005 · Amount on File
Deed Document Number	20195728680
Deed Book / Page	5643 / 1581
Prior Transfer Date	Apr 1, 2005
Prior Transfer Doc	0037683401
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	646 99TH AVE N, NAPLES, FL 34108-2230
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2745 COLONIA ROAD, HARRISBURG, PA 17112-8604

Mortgage

Document Number	0060523696
Date	Dec 7, 2021
Book Page	6052/3696
Instrument	6170629

Lender

Name	CENTRIC BANK
Type	Bank
Address	HARRISBURG, PA 17112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 19, 2019
Property Address	646 99TH AVE N, NAPLES, FL 34108-2230
Document Number	0056431581
Book / Page	005643 / 001581
Instrument Date	Jun 11, 2019
Instrument	5728680
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 110807 NAPLES FL 341080114, NAPLES, FL 34108-0114

Mortgage

Document Number	56431583
Date	Jun 19, 2019
Book Page	005643/001583
Instrument	5728681

Lender

Name	CENTRIC BK NA
Type	Bank
Address	HARRISBURG, PA 17112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	646 99TH AVE N, NAPLES, FL 34108-2230
Document Number	0055362863
Instrument Date	May 8, 2018
Transaction Type	Mortgage
Record Updated	Aug 6, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 CANDLEWOOD LN NAPLES FL 341101179, NAPLES, FL 34110-1179

Mortgage

Document Number	0055362863
Date	Jul 25, 2018
Book Page	005536/002863
Instrument	5591232

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	646 99TH AVE N, NAPLES, FL 34108-2230
Document Number	0054660557
Book / Page	005466 / 000557
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	433 CANDLEWOOD LN NAPLES FL 341101179, NAPLES, FL 34110-1179

Mortgage

Document Number	0054660557
Date	Jan 9, 2018
Book Page	005466/000557
Instrument	5494004

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 8, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 646 99th Ave N was $4,917.

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		$461,870 (+5.94%) Land $391,500 Building $70,370	$461,870 (-15.32%) Land $391,500 Building $70,370
2025	$4,917.00	$435,960	$545,418 Land $438,750 Building $106,668
2023	$5,070.00 (+9.74%)	$360,297 (+1%)	$651,039 (+21.76%) Land $573,750 Building $77,289
2022	$4,620.00	$327,543	$534,700 Land $432,338 Building $102,362

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

Flood

FEMA maps place 646 99th Ave N in Zone X, an area of minimal flood risk, though there have been 71 flood claims nearby since 1985.

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 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 646 99th 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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