684 Lambton Ln, Naples, FL 34104 Property Records

Collier County property record for 684 Lambton Ln, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	1,760 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$135,100 (Jun 1994)
Tax Bill	$2,014 (2025)
Deeds & Mortgages	May 2026 Reverse Mortgage May 2026 Reverse Mortgage
Flood Zone	Zone X (moderate risk)
APN	`186100 1394B32`

Property Details

APN / Parcel Number

Primary APN	`186100 1394B32`
Alternative APNs	`239460084570453551394` `23946008457`

Interior

Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	1,760 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Masonry / Concrete Block
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	684 LAMBTON LN
City	NAPLES
State	FL
Zip	34104-7870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BERKSHIRE LAKES UNIT #5 LOT 139 OR 1959 PG 1788
Legal Range	26
Legal Township	49
Legal Section	32
Legal Subdivision	BERKSHIRE LAKES UNIT 5
Legal Tract	186100
Legal Block	1
Legal Lot Number	139
Legal Unit	139
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3002
Census Tract	10514

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	684 LAMBTON LN, NAPLES, FL 34104-7870
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
May 19, 2026	Deed of Trust, Mortgage · Reverse Mortgage VP MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 1994 · Amount on Record
Deed Sale	Jun 21, 1994 · Amount on Record
Deed Book / Page	1959 / 1788
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	May 19, 2026
Property Address	684 LAMBTON LN, NAPLES, FL 34104-7870
Document Number	0006826684
Book / Page	6589 / 232
Instrument Date	Apr 30, 2026
Instrument	20266826684
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 LAMBTON LN, NAPLES, FL 34104-7870

Mortgage

Document Number	0006826684,
Date	May 19, 2026
Book Page	6589/232
Instrument	20266826684

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	787 Months
Due	Dec 15, 2091

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	May 19, 2026
Property Address	684 LAMBTON LN, NAPLES, FL 34104-7870
Document Number	0006826683
Book / Page	6589 / 214
Instrument Date	Apr 30, 2026
Instrument	20266826683
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 LAMBTON LN, NAPLES, FL 34104-7870

Mortgage

Document Number	0006826683,
Date	May 19, 2026
Book Page	6589/214
Instrument	20266826683

Lender

Name	VP MORTGAGE INC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	787 Months
Due	Dec 15, 2091

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

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		$214,875 (+2.7%)	$442,020 (+12.5%) Land $232,576 Building $209,444
2025	$2,014.00 (+6.5%) Homeowner's exemption Widower's exemption	$209,226 (+5.99%)	$392,919 (-9.65%) Land $204,732 Building $188,187
2023	$1,891.00 (-1.05%) Homeowner's exemption	$197,407 (+3%)	$434,888 (+3.61%) Land $226,512 Building $208,376
2022	$1,911.00 Homeowner's exemption	$191,657	$419,744 Land $205,821 Building $213,923

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 116 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	116 in force
Nearby Flood Claims	4 (2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 4 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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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