1039 28th Ave N, Naples, FL 34103 Property Records

Collier County property record for 1039 28th Ave N, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	1,403 sqft · built 1965
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jun 2017)
Tax Bill	$2,171 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051700 A 64A27`

Property Details

APN / Parcel Number

Primary APN	`051700 A 64A27`
Alternative APNs	`08130280006` `8130280006`

Interior

Stories	1 Story
Building Area	1,403 sqft Living Area
1st Floor Area	1,403 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Garage Area	100 sqft
Deck Area	414 sqft

Location & Zoning

Street Address	1039 28TH AVE N
City	NAPLES
State	FL
Zip	34103-4554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	FRANKS BLK A LOT 6
Legal Range	25
Legal Township	49
Legal Section	27
Legal Subdivision	FRANKS SUBDIVISION
Legal Tract	051700
Legal Block	A
Legal Lot Number	6
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1011
Census Tract	200

Owner

1039 28th Ave N is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1039 28TH AVE N, NAPLES, FL 34103-4554
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
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 10, 2019	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
May 25, 2018	Loan Modification, Mortgage PENNYMAC
Jun 7, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2017 · Amount on File
Deed Sale	Jun 7, 2017 · Amount on File
Prior Sale	Feb 17, 2004 · Amount on File
Deed Document Number	20175414925
Deed Book / Page	5402 / 3726
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1039 28TH AVE N, NAPLES, FL 34103-4554
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 28TH AVE N, NAPLES, FL 34103-4554

Mortgage

Document Number	0061881992
Date	Nov 7, 2022
Book Page	6188/1992
Instrument	6326743

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1039 28TH AVE N, NAPLES, FL 34103-4554
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056821883
Date	Oct 10, 2019
Book Page	5682/1883
Instrument	5775488

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	1039 28TH AVE N, NAPLES, FL 34103-4554
Document Number	0055283727
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 28TH AVE N NAPLES FL 341034554, NAPLES, FL 34103-4554

Mortgage

Document Number	0055283727
Date	Jul 3, 2018
Book Page	005528/003727
Instrument	5580788

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2048

Interest

Rate Type	Fixed Rate
Rate	3.62%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 7, 2017
Property Address	1039 28TH AVE N, NAPLES, FL 34103-4554
Document Number	0054023726
Book / Page	005402 / 003726
Instrument Date	Jun 2, 2017
Instrument	5414925
Transaction Type	Transfer
Record Updated	Jun 22, 2017
Title Company	SEAVIEW TITLE COMPANY LLC, SEAVIEW TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1039 28TH AVE N NAPLES FL 341034554, NAPLES, FL 34103-4554

Mortgage

Document Number	54023728
Date	Jun 7, 2017
Book Page	005402/003728
Instrument	5414926

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1039 28th Ave N was $2,171 with a homeowner's exemption.

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Municipality	Naples City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$304,043 (+9.14%)	$656,009 (+2.9%) Land $436,656 Building $219,353
2025	$2,171.00 Homeowner's exemption	$278,590	$637,497 Land $434,484 Building $203,013
2023	$2,076.00 (-2.21%) Homeowner's exemption	$262,853 (+3%)	$538,162 (+23.31%) Land $386,208 Building $151,954
2022	$2,123.00 Homeowner's exemption	$255,197	$436,428 Land $274,570 Building $161,858

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

Flood

FEMA maps place 1039 28th Ave N in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 89 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	89 in force
Nearby Flood Claims	10 (1979–2022)
Claims Outside the SFHA	3 of 10
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 1039 28th Ave N is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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 352 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink, Verizon.

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