656 16th Ave S, Naples, FL 34102 Property Records

Collier County property record for 656 16th Ave S, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	2,909 sqft · built 1998
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Company Names on Record
Last Sale	$3,125,000 (Jul 2016)
Tax Bill	$28,166 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2026 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`004000 3 235A09`

Property Details

APN / Parcel Number

Primary APN	`004000 3 235A09`
Alternative APNs	`017327200000011003235` `01732720000` `1732720000`

Interior

Stories	2 Stories
Building Area	2,909 sqft Living Area
1st Floor Area	2,909 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Construction Type	Wood
Lot Area	13,939 sqft (0.32 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Area	504 sqft
Deck Area	730 sqft
Boat Access	Boat Access
Boat House	540 sqft

Location & Zoning

Street Address	656 16TH AVE S
City	NAPLES
State	FL
Zip	34102-7460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	AQUALANE SHORES UNIT 1 BLK 3 LOT 23
Legal Range	25
Legal Township	50
Legal Section	9
Legal Subdivision	AQUALANE SHORES UNIT 1
Legal Tract	004000
Legal Block	3
Legal Lot Number	23
Legal Unit	1
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2012
Census Tract	500

Owner

Source: Collier County records, as of September 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	656 16TH AVE S, NAPLES, FL 34102-7460
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 3, 2026	Warranty Deed, Transfer · Conventional Mortgage ORIGINPOINT LLC
Apr 24, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 7, 2021	Deed of Trust, Mortgage · Line of Credit FINEMARK NATIONAL BANK & TRUST
Jul 13, 2020	Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA
Jul 13, 2020	Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2016 · Amount on Record
Deed Sale	Jul 26, 2016 · Amount on Record
Prior Sale	May 1, 2016 · Amount on Record
Deed Document Number	20165293810
Last Transfer Date	Aug 28, 2026
Transfer Doc	0006870895
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 3, 2026
Property Address	656 16TH AVE S, NAPLES, FL 34102-7460
Document Number	0006870898
Book / Page	6626 / 1634
Instrument Date	Aug 28, 2026
Instrument	20266870898
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	656 16TH AVE S, NAPLES, FL 34102-7460

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 3, 2026
Property Address	656 16TH AVE S, NAPLES, FL 34102-7460
Document Number	0006870895
Book / Page	6626 / 1611
Instrument Date	Aug 28, 2026
Instrument	20266870895
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 16TH AVE S, NAPLES, FL 34102-7460

Mortgage

Document Number	0006870897,
Date	Sep 3, 2026
Instrument	20266870897

Lender

Name	ORIGINPOINT LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	656 16TH AVE S, NAPLES, FL 34102-7460
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 16TH AVE S, NAPLES, FL 34102-7460

Mortgage

Document Number	0063522682
Date	Apr 24, 2024
Book Page	6352/2682
Instrument	6536915

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	656 16TH AVE S, NAPLES, FL 34102-7460
Transaction Type	Mortgage
Record Updated	Jul 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059773023
Date	Jul 7, 2021
Book Page	5977/3023
Instrument	6091201

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank
Address	NAPLES, FL 34108

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	656 16TH AVE S, NAPLES, FL 34102-7460
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057862826
Date	Jul 13, 2020
Book Page	5786/2826
Instrument	5892383

Lender

Name	CADENCE BANK NA
Type	Bank
Address	BRADENTON, FL 34205

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	656 16TH AVE S, NAPLES, FL 34102-7460
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057862812
Date	Jul 13, 2020
Book Page	5786/2812
Instrument	5892382

Lender

Name	CADENCE BANK NA
Type	Bank
Address	BRADENTON, FL 34205

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Municipality	Naples City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$4,327,054 (+52.04%)	$6,081,838 (-9.3%) Land $4,868,500 Building $1,213,338
2025	$28,166.00 (+0.82%)	$2,846,072 (+10.96%)	$6,705,514 (-2.97%) Land $3,710,000 Building $2,995,514
2024	$27,936.00 (+0.56%)
2023	$27,780.00 (+5.74%) Homeowner's exemption	$2,564,970 (+5.22%)	$6,910,666 (+38.59%) Land $5,250,000 Building $1,660,666
2022	$26,272.00 Homeowner's exemption	$2,437,777	$4,986,266 Land $3,498,600 Building $1,487,666

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 299 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	299 in force
Nearby Flood Claims	265 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 50 claims Hurricane Ian, Oct 2022 · 94 claims Hurricane Ian, Sep 2022 · 95 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

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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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