2040 Isla de Palma Cir, Naples, FL 34119 Property Records

Collier County property record for 2040 Isla de Palma Cir, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	1,879 sqft · built 2004
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Tax Bill	$261 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`621520 4823B28`

Property Details

APN / Parcel Number

Primary APN	`621520 4823B28`
Alternative APN	`72650013006`

Interior

Stories	2 Stories
Building Area	1,879 sqft Living Area
1st Floor Area	1,879 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Masonry / Concrete Block
Lot Area	6,098 sqft (0.14 acres)
Pool Area	288 sqft
Deck Area	760 sqft

Location & Zoning

Street Address	2040 ISLA DE PALMA CIR
City	NAPLES
State	FL
Zip	34119-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SATURNIA LAKES PLAT THREE LOT 482
Legal Range	26
Legal Township	48
Legal Section	28
Legal Subdivision	SATURNIA LAKES PLAT 3
Legal Tract	621520
Legal Block	3
Legal Lot Number	482
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3006
Census Tract	10435

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	2 Individual Names on Record
Mailing Address	2040 ISLA DE PALMA CIR, NAPLES, FL 34119-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 31, 2020	Intrafamily Transfer, Transfer · VA Mortgage PATRIOT HOME MORTGAGE
Nov 25, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020
Deed Sale	Aug 31, 2020
Prior Sale	Aug 3, 2004 · Amount on Record
Deed Document Number	20205915749
Deed Book / Page	5808 / 3711
Prior Transfer Date	Aug 22, 2020
Prior Transfer Doc	0058083711
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2040 ISLA DE PALMA CIR, NAPLES, FL 34119-3404
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 ISLA DE PALMA CIR, NAPLES, FL 34119-3404

Mortgage

Document Number	0059581792
Date	Jun 3, 2021
Book Page	5958/1792
Instrument	6071062

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Aug 31, 2020
Property Address	2040 ISLA DE PALMA CIR, NAPLES, FL 34119-3404
Document Number	0058083711
Book / Page	5808 / 3711
Map Reference	MB 39 PG 67
Instrument Date	Aug 22, 2020
Instrument	5915749
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ELEVATED TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 ISLA DE PALMA CIR, NAPLES, FL 34119-3404

Mortgage

Document Number	0058083714
Date	Aug 31, 2020
Instrument	5808/3714

Lender

Name	PATRIOT HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2040 ISLA DE PALMA CIR, NAPLES, FL 34119-3404
Document Number	0057023532
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	DUNN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2040 ISLA DE PALMA CIR NAPLES FL 341193404, NAPLES, FL 34119-3404

Mortgage

Document Number	0057023532
Date	Dec 5, 2019
Book Page	005702/003532
Instrument	5799486

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

Tax Assessment & Valuation

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		$392,097 (+2.7%)	$664,162 (+14.42%) Land $232,808 Building $431,354
2025	$261.00 (+2.35%) Homeowner's exemption Veteran's exemption	$381,789 (+5.99%)	$580,472 (-13.61%) Land $267,198 Building $313,274
2024	$255.00 (+2.41%)
2023	$249.00 (+8.26%) Homeowner's exemption Disabled Person's exemption	$360,222 (+3%)	$671,948 (+10.44%) Land $268,770 Building $403,178
2022	$230.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$349,730	$608,452 Land $179,293 Building $429,159

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 93 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Low lower than 94% of the US · lower than 94% 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	COLLIER COUNTY REGIONAL WTP serves 216,993 people · EPA ID FL5114069
Water Source	Groundwater
Last State Inspection	Jul 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	9 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 483 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, T-Mobile.

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