1540 Osprey Ave, Naples, FL 34102 Property Records

Collier County property record for 1540 Osprey Ave, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	2,954 sqft · built 2016
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on Record
Last Sale	$3,800,000 (May 2021)
Tax Bill	$25,593 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`053800 695A10`

Property Details

APN / Parcel Number

Primary APN	`053800 695A10`
Alternative APNs	`08482440002` `8482440002`

Interior

Stories	1 Story
Building Area	2,954 sqft Living Area
1st Floor Area	2,954 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Masonry / Concrete Block
Lot Area	11,326 sqft (0.26 acres)
View / Lot	Waterfront
Pool Area	390 sqft
Deck Area	401 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	1540 OSPREY AVE
City	NAPLES
State	FL
Zip	34102-3466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	GOLDEN SHORES LOT 69
Legal Range	25
Legal Township	50
Legal Section	10
Legal Subdivision	GOLDEN SHORES
Legal Tract	053800
Legal Block	1
Legal Lot Number	69
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1000
Census Tract	600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1540 OSPREY AVE, NAPLES, FL 34102-3466
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Warranty Deed, Transfer · Conventional Mortgage VAST BANK NA
Dec 19, 2017	Warranty Deed, Transfer · ARM FIRST AMERICAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2021 · Amount on Record
Deed Sale	May 5, 2021 · Amount on Record
Prior Sale	Dec 19, 2017 · Amount on Record
Deed Document Number	20216051523
Deed Book / Page	5940 / 795
Prior Transfer Date	Jan 30, 1996
Prior Transfer Doc	2145002005
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 5, 2021
Property Address	1540 OSPREY AVE, NAPLES, FL 34102-3466
Document Number	0059400795
Book / Page	5940 / 795
Map Reference	MB 3 PG 25
Instrument Date	Apr 30, 2021
Instrument	6051523
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7067 VILLA LANTANA WAY, 7067, NAPLES, FL 34108-8507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 OSPREY AVE, NAPLES, FL 34102-3466

Mortgage

Document Number	5940797
Date	May 5, 2021
Instrument	5940/797

Lender

Name	VAST BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 19, 2017
Property Address	1540 OSPREY AVE, NAPLES, FL 34102-3466
Document Number	0054592298
Book / Page	5459 / 2298
Map Reference	MB3 PG25
Instrument Date	Dec 14, 2017
Instrument	5485226
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5331 SNOW GOOSE BAY, 5331, SHEBOYGAN, WI 53083-1780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 OSPREY AVE, NAPLES, FL 34102-3466

Mortgage

Document Number	0005485227
Date	Dec 19, 2017
Instrument	5485227

Lender

Name	FIRST AMERICAN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Min Rate At Change	36.2%
Max Rate At Change	56.2%

Tax Assessment & Valuation

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		$2,932,487 (+9.44%) Land $1,350,000 Building $1,582,487	$2,932,487 (+9.44%) Land $1,350,000 Building $1,582,487
2025	$25,593.00 (+0.26%)	$2,679,538 (+7.05%) Land $1,293,750 Building $1,385,788	$2,679,538 (+7.05%) Land $1,293,750 Building $1,385,788
2024	$25,527.00 (+4.56%)
2023	$24,413.00 (-13.83%)	$2,502,976 (-8.95%) Land $1,530,000 Building $972,976	$2,502,976 (-8.95%) Land $1,530,000 Building $972,976
2022	$28,330.00	$2,748,891 Land $1,299,375 Building $1,449,516	$2,748,891 Land $1,299,375 Building $1,449,516

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

Flood

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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 406 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	961 units insured incl. 555 condo units
Nearby Flood Claims	440 (1980–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 65 claims Hurricane Ian, Oct 2022 · 160 claims Hurricane Ian, Sep 2022 · 152 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

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 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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