1040 28th Ave N, Naples, FL 34103 Property Records

Collier County property record for 1040 28th Ave N, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	1,595 sqft · built 1966
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jul 2021)
Tax Bill	$5,180 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051700 B 74A27`

Property Details

APN / Parcel Number

Primary APN	`051700 B 74A27`
Alternative APNs	`08131400005013900B74` `08131400005` `8131400005`

Interior

Stories	1 Story
Building Area	1,595 sqft Living Area
Gross Area	1,826 sqft
1st Floor Area	1,595 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)

Exterior Amenities

Pool Area	390 sqft
Porch	Screened Porch
Porch Area	231 sqft
Deck Area	982 sqft
Poultry House	252 sqft

Location & Zoning

Street Address	1040 28TH AVE N
City	NAPLES
State	FL
Zip	34103-4555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	FRANKS BLK B LOT 7
Legal Range	25
Legal Township	49
Legal Section	27
Legal Subdivision	FRANKS SUBDIVISION
Legal Tract	051700
Legal Block	B
Legal Lot Number	7
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1005
Census Tract	200

Owner

1040 28th Ave N is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1040 28TH AVE N, NAPLES, FL 34103-4555
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
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2021 · Amount on File
Deed Sale	Jul 28, 2021 · Amount on File
Prior Sale	Oct 21, 2014 · Amount on File
Deed Document Number	20216103401
Deed Book / Page	5989 / 98
Prior Transfer Date	Jun 21, 2006
Prior Transfer Doc	0040703639
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1040 28TH AVE N, NAPLES, FL 34103-4555
Transaction Type	Mortgage
Record Updated	Oct 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 28TH AVE N, NAPLES, FL 34103-4555

Mortgage

Document Number	0061753013
Date	Sep 21, 2022
Book Page	6175/3013
Instrument	6311077

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 28, 2021
Property Address	1040 28TH AVE N, NAPLES, FL 34103-4555
Document Number	0059890098
Book / Page	5989 / 98
Map Reference	MB 3 PG 61
Instrument Date	Jul 15, 2021
Instrument	6103401
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	BRYANT TITLE AND ESCROW LLC, BRYANT TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2592 13TH ST N, 2592, NAPLES, FL 34103-4530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 28TH AVE N, NAPLES, FL 34103-4555

Mortgage

Document Number	5989105
Date	Jul 28, 2021
Instrument	5989/105

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1040 28th Ave N was $5,180 with a homeowner's exemption, up 22.1% from the year before.

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		$627,480 (+2.7%)	$680,250 (-12.84%) Land $395,497 Building $284,753
2025	$5,180.00 (+22.08%) Homeowner's exemption	$610,983	$780,442 Land $443,880 Building $336,562
2024	$4,243.00 (+1.78%)
2023	$4,169.00 (-2.5%) Homeowner's exemption	$488,972 (+3%)	$576,982 (+21.54%) Land $394,560 Building $182,422
2022	$4,276.00 Homeowner's exemption	$474,730 Land $280,508 Building $194,222	$474,730 Land $280,508 Building $194,222

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

Flood

FEMA maps place 1040 28th Ave N in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 1040 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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