989 Hidden Terrace Rd, Naples, FL 34104 Property Records

Collier County property record for 989 Hidden Terrace Rd, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	2,296 sqft · built 1988
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$238,500 (Feb 2002)
Tax Bill	$3,662 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Jan 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`405400 65A01`

Property Details

APN / Parcel Number

Primary APN	`405400 65A01`
Alternative APNs	`4988024000909450065` `49880240009`

Interior

Stories	1 Story
Building Area	2,296 sqft Living Area
1st Floor Area	2,296 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Masonry / Concrete Block
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Carport
Garage Area	144 sqft
Carport	Carport
Carport Area	144 sqft
Pool Area	540 sqft
Deck Area	1,028 sqft

Location & Zoning

Street Address	989 HIDDEN TERRACE RD
City	NAPLES
State	FL
Zip	34104-4476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4
Legal Description	HIDDEN PINES LOT 6
Legal Range	25
Legal Township	50
Legal Section	1
Legal Subdivision	HIDDEN PINES
Legal Tract	405400
Legal Block	1
Legal Lot Number	6
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1008
Census Tract	10602

Owner

989 Hidden Terrace Rd is owned and occupied by two individuals who bought it in February 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	989 HIDDEN TERRACE RD, NAPLES, FL 34104-4476
Occupancy	Owner Occupied
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
Dec 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VISTA POINT MORTGAGE LLC
Jan 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2002 · Amount on File
Deed Sale	Feb 11, 2002 · Amount on File
Prior Sale	Mar 6, 1998 · Amount on File
Deed Book / Page	2979 / 3236
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	989 HIDDEN TERRACE RD, NAPLES, FL 34104-4476
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	989 HIDDEN TERRACE RD, NAPLES, FL 34104-4476

Mortgage

Document Number	0065321682
Date	Dec 4, 2025
Book Page	6532/1682
Instrument	6759600

Lender

Name	VISTA POINT MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	989 HIDDEN TERRACE RD, NAPLES, FL 34104-4476
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	989 HIDDEN TERRACE RD, NAPLES, FL 34104-4476

Mortgage

Document Number	0060740506
Date	Jan 23, 2022
Book Page	6074/506
Instrument	6193469

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	UPLAND, CA 91786

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Feb 1, 2062

Tax Assessment & Valuation

The 2025 property tax bill for 989 Hidden Terrace Rd was $3,662 with a homeowner's exemption.

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		$373,831 (+2.7%)	$754,834 (+2.27%) Land $364,000 Building $390,834
2025	$3,662.00 Homeowner's exemption	$364,003	$738,053 Land $370,006 Building $368,047
2023	$3,382.00 (-1.94%) Homeowner's exemption	$343,441 (+3%)	$885,109 (-4%) Land $509,600 Building $375,509
2022	$3,449.00 Homeowner's exemption	$333,438	$921,943 Land $535,080 Building $386,863

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

Flood

FEMA maps place 989 Hidden Terrace Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 123 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 units insured incl. 44 condo units
Nearby Flood Claims	8 (2017–2022)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 7 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

Wildfire risk around 989 Hidden Terrace Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	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 183 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

May also be available: T-Mobile.

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