658 97th Ave N, Naples, FL 34108 Property Records

Collier County property record for 658 97th Ave N, Naples, FL 34108

Property Summary

Property Type	Single Family Home
Details	2,407 sqft · built 2025
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (May 2001)
Tax Bill	$7,591 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`510400 31 403A28`

Property Details

APN / Parcel Number

Primary APN	`510400 31 403A28`
Alternative APNs	`6264108000311930031403` `62641080003`

Interior

Stories	1 Story
Building Area	2,407 sqft Living Area
1st Floor Area	1,042 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Construction Type	Masonry / Concrete Block
Lot Area	13,504 sqft (0.31 acres)
Deck Area	Deck Area

Location & Zoning

Street Address	658 97TH AVE N
City	NAPLES
State	FL
Zip	34108-2281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	NAPLES PARK UNIT 3 BLK 31 LOTS 40 + 41
Legal Range	25
Legal Township	48
Legal Section	28
Legal Subdivision	NAPLES
Legal Tract	510400
Legal Block	31
Legal Lot Number	40
Legal Unit	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3000
Census Tract	10109

Owner

658 97th Ave N is owned by two individuals who bought it in May 2001.

Source: Collier County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3412 E WALMONT RD, JACKSON, MI 49203-5217
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
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN BANK & TRUST CO
Jan 19, 2024	Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN MICHIGAN BANK & TRUST
Apr 8, 2021	Warranty Deed, Transfer · Line of Credit COUNTY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2001 · Amount on File
Deed Sale	May 7, 2001 · Amount on File
Deed Book / Page	2820 / 1486
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	Oct 6, 2026
Property Address	658 97TH AVE N, NAPLES, FL 34108-2281
Document Number	0006882723
Book / Page	6636 / 273
Instrument Date	Oct 1, 2026
Instrument	20266882723
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	TROPICAL TITLE INC, TROPICAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 E WALMONT RD, JACKSON, MI 49203-5217

Mortgage

Document Number	0006882723,
Date	Oct 6, 2026
Book Page	6636/273
Instrument	20266882723

Lender

Name	SOUTHERN BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	658 97TH AVE N, NAPLES, FL 34108-2281
Transaction Type	Mortgage
Record Updated	Feb 5, 2024
Title Company	TROPICAL TITLE INC, TROPICAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063222686
Date	Jan 19, 2024
Book Page	6322/2686
Instrument	6498694

Lender

Name	SOUTHERN MICHIGAN BANK & TRUST
Type	Bank
Address	COLDWATER, MI 49036

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2025

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 8, 2021
Property Address	658 97TH AVE N, NAPLES, FL 34108-2281
Document Number	0059240142
Book / Page	5924 / 142
Map Reference	MB 3 PG 5
Instrument Date	Apr 7, 2021
Instrument	6034421
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,564.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 BORDER RD, NATICK, MA 01760-2301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	658 97TH AVE N, NAPLES, FL 34108-2281

Mortgage

Document Number	0005924144
Date	Apr 8, 2021
Instrument	5924/144

Lender

Name	COUNTY NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 21, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 658 97th Ave N was $7,591, up 3.1% from the year before.

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		$2,291,330 (+190.13%) Land $704,700 Building $1,586,630	$2,291,330 (+190.13%) Land $704,700 Building $1,586,630
2025	$7,591.00 (+3.11%)	$789,750 (+5.68%) Land $789,750	$789,750 (+1.56%) Land $789,750
2024	$7,362.00 (-2.05%)	$747,327 (+1%)	$777,600 (-9.65%) Land $777,600
2023	$7,516.00 (+14.99%)	$679,388 (+1%)	$860,625 (+39.34%) Land $860,625
2022	$6,536.00	$617,625 Land $617,625	$617,625 Land $617,625

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

Flood

FEMA maps place 658 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 194 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	101 (1988–2024)
Claims Outside the SFHA	11 of 101
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 35 claims Hurricane Ian, Sep 2022 · 22 claims Hurricane Irma, Sep 2017 · 9 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 658 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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