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657 109th Ave N, Naples, FL 34108 Property Records

Collier County property record for 657 109th Ave N, Naples, FL 34108

Property Summary

Property TypeSingle Family Home
Details1,624 sqft · built 1997
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on File
Last Sale$636,415 (Jun 2026)
Tax Bill$6,004 (2025)
Deeds & MortgagesJun 2026 Sale
Nov 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN510100 18 113A28

Property Details

APN / Parcel Number

Primary APN510100 18 113A28
Alternative APN
  • 62571680007

Interior

Stories1 Story
Building Area1,624 sqft Living Area
1st Floor Area1,624 sqft

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Construction TypeMasonry / Concrete Block
Lot Area6,534 sqft (0.15 acres)

Location & Zoning

Street Address657 109TH AVE N
CityNAPLES
StateFL
Zip34108-1809
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRMF-6
Legal DescriptionNAPLES PARK UNIT 2 BLK 18 LOT 11
Legal Range25
Legal Township48
Legal Section28
Legal SubdivisionNAPLES
Legal Tract510100
Legal Block18
Legal Lot Number11
Legal Unit2
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group4
Census Block4003
Census Tract10110

Owner

657 109th Ave N is owned and occupied by an individual who bought it in June 2026.

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

Owner of RecordIndividual Name on File
Mailing Address657 109TH AVE N, NAPLES, FL 34108-1809
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

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

DateDocument
Jun 12, 2026Warranty Deed, Transfer
REALTECH TITLE
Nov 12, 2020Loan Modification, Mortgage
MISCELLANEOUS INS CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 12, 2026 · Amount on File
Deed SaleJun 12, 2026 · Amount on File
Prior SaleDec 1, 2015
Deed Document Number20266837607
Deed Book / Page6598 / 2024
Prior Transfer DateFeb 5, 2003
Prior Transfer Doc3223001265
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateJun 12, 2026
Property Address657 109TH AVE N, NAPLES, FL 34108-1809
Document Number0006837607
Book / Page6598 / 2024
Instrument DateJun 10, 2026
Instrument20266837607
Transaction TypeTransfer
Record UpdatedJun 23, 2026
Title CompanyREALTECH TITLE

Transaction

AmountAmount on Record
Tax$449,945.91
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address657 109TH AVE N, NAPLES, FL 34108-1809

November 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCOLLIER FL
Property Address657 109TH AVE N, NAPLES, FL 34108-1809
Document Number0058533855
Instrument DateNov 12, 2020
Transaction TypeMortgage
Record UpdatedDec 18, 2020
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address120 S RIVERSIDE PLZ #2000 CHICAGO IL 606066995, 2000, CHICAGO, IL 60606-6995

Mortgage

Document Number0058533855
DateDec 3, 2020
Book Page005853/003855
Instrument5963599
Lender
NameMISCELLANEOUS INS CO
Address700 NEWPORT CENTER DR, NEWPORT BEACH, CA 92660-6307
Agreement
AmountAmount on Record
Term240 Months
DueDec 2, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 657 109th Ave N was $6,004, up 0.9% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$542,618 (-0.14%) Land $391,500 Building $151,118$542,618 (-18.48%) Land $391,500 Building $151,118
2025$6,004.00 (+0.91%)$543,375$665,652 Land $438,750 Building $226,902
2024$5,950.00 (-1.49%)
2023$6,040.00 (+8.57%)$449,070 (+1%)$760,632 (+19.71%) Land $573,750 Building $186,882
2022$5,563.00$408,245$635,371 Land $432,338 Building $203,033

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

Flood

FEMA maps place 657 109th Ave N in Zone X, an area of minimal 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 204 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies207 units insured
incl. 3 condo units
Nearby Flood Claims35 (1995–2024)
Claims Outside the SFHA17 of 35
Most Recent ClaimAug 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 657 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCOLLIER COUNTY REGIONAL WTP
serves 216,993 people · EPA ID FL5114069
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting9
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 332 locations within half a mile, as of December 31, 2025

ProviderMax 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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