Collier County property record for 985 20th St SE, Naples, FL 34117 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1999 |
| Square Footage | 2,202 sqft Living Area |
| Lot Size | 98,881 sqft (2.27 acres) |
| Garage | Carport, 560 sqft |
| Pool | 264 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $479,000 (2020) |
| Tax Bill | $3,337.00 (2024) |
| Primary APN | 440200 24C12 |
|---|---|
| Alternative APN |
|
| Building Area | 2,202 sqft Living Area |
|---|---|
| 1st Floor | 2,202 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Lot Area | 98,881 sqft (2.27 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 560 sqft Garage |
| Carport | Carport |
| Carport Area | 560 sqft Carport |
| Pool Area | 264 sqft Pool |
| Deck Area | 510 sqft Deck |
| Street Address | 985 20TH ST SE |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34117-9445 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LADY, THE LOT 2 |
| Legal Range | 27 |
| Legal Township | 49 |
| Legal Section | 12 |
| Legal Subdivision | LADY, THE (IN GGE 51) |
| Legal Tract | 440200 |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | COLLIER FL |
| Minor Civil Division | NAPLES |
| Census Blockgroup | 3 |
| Census Block | 3002 |
| Census Tract | 10426 |
Source: Collier County records · APN 440200 24C12
Assessment roll updated September 9, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 985 20TH ST SE, NAPLES, FL 34117-9445 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION |
| Jun 15, 2022 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Dec 14, 2020 | Warranty Deed, Transfer FLAGSHIP TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 14, 2020 · Amount on Record |
| Deed Sale | Dec 14, 2020 · Amount on Record |
| Deed Doc Number | 20205968897 |
| Deed Book / Page | 5859 / 1236 |
| Prior Transfer Date | Mar 25, 1998 |
| Prior Transfer Doc | 2403002147 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 985 20TH ST SE, NAPLES, FL 34117-9445 |
| Document Number | 0006808884 |
| Book / Page | 6573 / 2844 |
| Instrument Date | Apr 03, 2026 |
| Instrument | 20266808884 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 985 20TH ST SE, NAPLES, FL 34117-9445 |
| Document Number | 0006808884, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 6573/2844 |
| Instrument | 20266808884 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 985 20TH ST SE, NAPLES, FL 34117-9445 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 985 20TH ST SE, NAPLES, FL 34117-9445 |
| Document Number | 0061403022 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 6140/3022 |
| Instrument | 6268476 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 276 Months |
| Due | Jun 14, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Dec 14, 2020 |
| Property Address | 985 20TH ST SE, NAPLES, FL 34117-9445 |
| Document Number | 0058591236 |
| Book / Page | 005859 / 001236 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 5968897 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2020 |
| Title Company | FLAGSHIP TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,353.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | PO BOX 421 LAKELAND FL 338020421, LAKELAND, FL 33802-0421 |
Source: Collier County records · Assessment roll updated September 9, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,571.00 (+7.01%) Homeowner's exemption | $355,322 (+5.99%) | $528,673 (+18.31%) Land $115,770 Building $412,903 |
| 2024 | $3,337.00 (+1.18%) | ||
| 2023 | $3,298.00 (-1.9%) Homeowner's exemption | $335,250 (+3%) | $446,861 (+0.76%) Land $111,230 Building $335,631 |
| 2022 | $3,362.00 Homeowner's exemption | $325,485 | $443,495 Land $126,326 Building $317,169 |
Source: FEMA National Flood Hazard Layer, Collier County (12021C), updated June 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AH shallow ponding 1–3 ft |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Moderate above 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 305 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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