803 Cardinal St, Naples, FL 34104 Property Records

Collier County property record for 803 Cardinal St, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	1,678 sqft · built 1989
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Tax Bill	$1,765 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`295900 A 15A01`

Property Details

APN / Parcel Number

Primary APN	`295900 A 15A01`
Alternative APNs	`32480040001062400A15` `32480040001`

Interior

Stories	1 Story
Building Area	1,678 sqft Living Area
1st Floor Area	1,678 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	9,148 sqft (0.21 acres)
Deck Area	600 sqft

Location & Zoning

Street Address	803 CARDINAL ST
City	NAPLES
State	FL
Zip	34104-4451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	FLAMINGO EST BLK A LOT 1 OR 1992 PG 1437
Legal Range	25
Legal Township	50
Legal Section	1
Legal Subdivision	FLAMINGO ESTATES
Legal Tract	295900
Legal Block	A
Legal Lot Number	1
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2017
Census Tract	10602

Owner

803 Cardinal St is owned and occupied by an individual who acquired it in August 2013.

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

Owner of Record	Individual Name on File
Mailing Address	803 CARDINAL ST, NAPLES, FL 34104-4451
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jan 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2013
Deed Sale	Aug 23, 2013
Prior Sale	Aug 9, 2013 · Amount on File
Deed Document Number	20134882391
Deed Book / Page	4958 / 3183
Transfer Doc	1992001437
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	803 CARDINAL ST, NAPLES, FL 34104-4451
Transaction Type	Mortgage
Record Updated	Jun 7, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 CARDINAL ST, NAPLES, FL 34104-4451

Mortgage

Document Number	0059480520
Date	May 17, 2021
Book Page	5948/520
Instrument	6059990

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	803 CARDINAL ST, NAPLES, FL 34104-4451
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053503958
Date	Jan 6, 2017
Book Page	5350/3958
Instrument	5353693

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 803 Cardinal St was $1,765 with a homeowner's exemption, up 6.7% 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		$188,347 (+2.7%)	$374,098 (+0.4%) Land $229,498 Building $144,600
2025	$1,765.00 (+6.71%) Homeowner's exemption	$183,395	$372,625 Land $266,753 Building $105,872
2024	$1,654.00 (+1.78%)
2023	$1,625.00 (-0.61%) Homeowner's exemption	$173,035 (+3%)	$464,202 (+21.83%) Land $298,401 Building $165,801
2022	$1,635.00 Homeowner's exemption	$167,995	$381,016 Land $210,395 Building $170,621

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

Flood

FEMA maps place 803 Cardinal St in Zone X, an area of moderate flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 364 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	398 units insured incl. 34 condo units
Nearby Flood Claims	239 (1982–2024)
Claims Outside the SFHA	12 of 239
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 67 claims Hurricane Ian, Sep 2022 · 62 claims Hurricane Irma, Sep 2017 · 47 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 803 Cardinal St 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	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 262 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.

Nearby Properties on Cardinal St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures