1078 Sperling Ave, Naples, FL 34103 Property Records

Collier County property record for 1078 Sperling Ave, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	1,050 sqft · built 1962
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Sep 2022)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone AH (high risk)
APN	`639100 C 84A22`

Property Details

APN / Parcel Number

Primary APN	`639100 C 84A22`
Alternative APNs	`74761040005143200C84` `74761040005`

Interior

Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Masonry / Concrete Block
Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	1078 SPERLING AVE
City	NAPLES
State	FL
Zip	34103-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF-6
Legal Description	SPERLINGS BLK C LOT 8
Legal Range	25
Legal Township	49
Legal Section	22
Legal Subdivision	SPERLING
Legal Tract	639100
Legal Block	C
Legal Lot Number	8
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3014
Census Tract	10300

Owner

1078 Sperling Ave is owned by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1349 28TH AVE N, NAPLES, FL 34103-4558
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
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 20, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 12, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2022 · Amount on File
Deed Sale	Sep 20, 2022 · Amount on File
Prior Sale	Jun 30, 1998 · Amount on File
Deed Document Number	20226310594
Deed Book / Page	6175 / 1649
Transfer Doc	0032290718
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	Jun 17, 2026
Property Address	1078 SPERLING AVE, NAPLES, FL 34103-2326
Document Number	0006839734
Book / Page	6600 / 679
Instrument Date	Jun 9, 2026
Instrument	20266839734
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1349 28TH AVE N, NAPLES, FL 34103-4558

Mortgage

Document Number	0006839734,
Date	Jun 17, 2026
Book Page	6600/679
Instrument	20266839734

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 20, 2022
Property Address	1078 SPERLING AVE, NAPLES, FL 34103-2326
Document Number	0061751649
Book / Page	6175 / 1649
Map Reference	MB 4 PG 12
Instrument Date	Sep 15, 2022
Instrument	6310594
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$3,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11675 N WALDRON RD, 11675, JEROME, MI 49249-9677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1349 28TH AVE N, NAPLES, FL 34103-4558

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	1078 SPERLING AVE, NAPLES, FL 34103-2326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056403474
Date	Jun 12, 2019
Book Page	5640/3474
Instrument	5725881

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 12, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1078 Sperling Ave was $3,601, down 12.4% 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		$386,425 (+1%)	$399,960 (+13.85%) Land $336,859 Building $63,101
2025	$3,601.00 (-12.43%)	$351,295 Land $291,600 Building $59,695	$351,295 Land $291,600 Building $59,695
2024	$4,112.00 (-5.12%)
2023	$4,334.00 (+457.07%)	$416,351 (+354.12%) Land $359,438 Building $56,913	$416,351 (+25.17%) Land $359,438 Building $56,913
2022	$778.00 Homeowner's exemption	$91,683	$332,624 Land $272,869 Building $59,755

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1078 Sperling Ave in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 141 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	141 in force
Nearby Flood Claims	68 (1979–2024)
Claims Outside the SFHA	33 of 68
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 42 claims Hurricane Wilma, Oct 2005 · 9 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 1078 Sperling Ave 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 340 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: CenturyLink, Hotwire Communications, Summit Broadband.

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