778 98th Ave N, Naples, FL 34108 Property Records

Collier County property record for 778 98th Ave N, Naples, FL 34108

Property Summary

Property Type	Single Family Home
Details	1,198 sqft · built 1971
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on Record
Last Sale	$925,000 (Apr 2023)
Tax Bill	$5,895 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2023 Transfer + 6 more
Flood Zone	Zone X (moderate risk)
APN	`511000 63 453A28`

Property Details

APN / Parcel Number

Primary APN	`511000 63 453A28`
Alternative APNs	`6277484000011950063453` `62774840000`

Interior

Stories	1 Story
Building Area	1,198 sqft Living Area
1st Floor Area	1,198 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	6,534 sqft (0.15 acres)
Pool Area	260 sqft
Deck Area	781 sqft

Location & Zoning

Street Address	778 98TH AVE N
City	NAPLES
State	FL
Zip	34108-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	NAPLES PARK UNIT 5 BLK 63 LOT 45
Legal Range	25
Legal Township	48
Legal Section	28
Legal Subdivision	NAPLES
Legal Tract	511000
Legal Block	63
Legal Lot Number	45
Legal Unit	5
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1010
Census Tract	10110

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	Company Name on Record
Mailing Address	1118 W 53RD ST, MINNEAPOLIS, MN 55419-1103
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
May 10, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 10, 2023	Warranty Deed, Transfer · Conventional Mortgage CITIZENS INDEPENDENT BANK
Jun 9, 2021	Warranty Deed, Transfer ROSS TITLE AND ESCROW INC, ROSS TITLE & ESCROW INC
Jun 5, 2019	Quit Claim Deed, Transfer ARIES TITLE INC
Jun 5, 2019	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 29, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 27, 2018	Trustee's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2023 · Amount on Record
Deed Sale	Apr 10, 2023 · Amount on Record
Prior Sale	Jun 9, 2021 · Amount on Record
Deed Document Number	20236387026
Deed Book / Page	6234 / 1537
Prior Transfer Date	Feb 4, 1997
Prior Transfer Doc	2300000737
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	778 98TH AVE N, NAPLES, FL 34108-2224

Mortgage

Document Number	0065393493
Date	Dec 24, 2025
Book Page	6539/3493
Instrument	6767841

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.57%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	May 10, 2023
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Document Number	0062452499
Book / Page	6245 / 2499
Map Reference	MB 3 PG 14
Instrument Date	Apr 19, 2023
Instrument	6400941
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4201 DUPONT AVE S, MINNEAPOLIS, MN 55409-1714

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4201 DUPONT AVE S, MINNEAPOLIS, MN 55409-1714

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 10, 2023
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Document Number	0062341537
Book / Page	6234 / 1537
Map Reference	MB 3 PG 14
Instrument Date	Apr 5, 2023
Instrument	6387026
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 MYRTLE RD, NAPLES, FL 34108-2668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4201 DUPONT AVE S, MINNEAPOLIS, MN 55409-1714

Mortgage

Document Number	0062341551
Date	Apr 10, 2023
Instrument	6234/1551

Lender

Name	CITIZENS INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 9, 2021
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Document Number	0059612425
Book / Page	5961 / 2425
Map Reference	MB 3 PG 14
Instrument Date	Jun 7, 2021
Instrument	6074373
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROSS TITLE AND ESCROW INC, ROSS TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$4,129.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27296 GASPARILLA DR, 27296, BONITA SPRINGS, FL 34135-4309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9115 STRADA PL UNIT 5511, 5511, NAPLES, FL 34108-2894

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 5, 2019
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Document Number	0056380223
Book / Page	005638 / 000223
Instrument Date	Jun 4, 2019
Instrument	5722468
Transaction Type	Transfer
Record Updated	Jun 19, 2019
Title Company	ARIES TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	778 98TH AVE N NAPLES FL 341082224, NAPLES, FL 34108-2224

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 5, 2019
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Document Number	0056380221
Book / Page	5638 / 0221
Map Reference	MB 3 PG 14
Instrument Date	Jun 4, 2019
Instrument	5722467
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ARIES TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 11TH ST S # SPH3, 700, NAPLES, FL 34102-6777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	778 98TH AVE N, NAPLES, FL 34108-2224

Mortgage

Document Number	0056380225
Date	Jun 5, 2019
Instrument	5638-0225

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	May 29, 2019
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Document Number	0056343286
Book / Page	005634 / 003286
Instrument Date	Dec 26, 2018
Instrument	5718604
Transaction Type	Transfer
Record Updated	Jun 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	700 11TH ST S #201PH3 NAPLES FL 341026777, 201PH3, NAPLES, FL 34102-6777

June 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 27, 2018
Property Address	778 98TH AVE N, NAPLES, FL 34108-2224
Document Number	0055261564
Book / Page	005526 / 001564
Instrument Date	Jun 14, 2018
Instrument	5577687
Transaction Type	Transfer
Record Updated	Jul 13, 2018

Transaction

Amount	Amount Recorded
Tax	$1,722.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	5091 CHERRY WOOD DR NAPLES FL 341191445, NAPLES, FL 34119-1445

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		$527,818 (-9.94%) Land $371,250 Building $156,568	$527,818 (-9.94%) Land $371,250 Building $156,568
2025	$5,895.00 (-17.62%)	$586,079 (-5.77%) Land $351,000 Building $235,079	$586,079 (-26.89%) Land $351,000 Building $235,079
2024	$7,156.00 (-0.46%)
2023	$7,189.00 (+15.69%)	$621,963 (+1%)	$801,680 (+41.78%) Land $573,750 Building $227,930
2022	$6,214.00	$565,421 Land $354,375 Building $211,046	$565,421 Land $354,375 Building $211,046

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 139 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	139 in force
Nearby Flood Claims	31 (1992–2023)
Claims Outside the SFHA	16 of 31
Most Recent Claim	Jan 2023 · other causes
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Irma, Sep 2017 · 11 claims Hurricane Wilma, Oct 2005 · 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	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 689 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, Hotwire Communications.

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