2386 Orchard St, Naples, FL 34120 Property Records

Collier County property record for 2386 Orchard St, Naples, FL 34120

Property Summary

Property Type	Single Family Home
Details	2,239 sqft · built 2021
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Trust Names on File
Last Sale	$617,500 (Oct 2025)
Tax Bill	$7,054 (2025)
Deeds & Mortgages	Sep 2026 Sale Jul 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`585450 5543C13`

Property Details

APN / Parcel Number

Primary APN	`585450 5543C13`
Alternative APN	`69039012343`

Interior

Building Area	2,239 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Pool Area	276 sqft
Deck Area	802 sqft

Location & Zoning

Street Address	2386 ORCHARD ST
City	NAPLES
State	FL
Zip	34120-5645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RANCH AT ORANGE BLOSSOM PHASE 3A LOT 554
Legal Range	27
Legal Township	48
Legal Section	13
Legal Subdivision	RANCH AT ORANGE BLOSSOM PH3A PHASE 3A
Legal Phase	3A
Legal Block	1
Legal Lot Number	554
Jurisdiction	COLLIER FL
Township / Civil Division	IMMOKALEE
Census Block Group	1
Census Block	1004
Census Tract	11212

Owner

2386 Orchard St is owner-occupied and held in a trust since October 2025.

Source: Collier County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2386 ORCHARD ST, NAPLES, FL 34120-5645
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 23, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Sep 9, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Oct 31, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 22, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Feb 22, 2021 · Amount on File
Deed Document Number	20256747688
Deed Book / Page	6522 / 1423
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 23, 2026
Property Address	2386 ORCHARD ST, NAPLES, FL 34120-5645
Document Number	0006877459
Book / Page	6631 / 2813
Instrument Date	Aug 24, 2026
Instrument	20266877459
Transaction Type	Transfer
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2386 ORCHARD ST, NAPLES, FL 34120-5645

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	Jul 29, 2026
Property Address	2386 ORCHARD ST, NAPLES, FL 34120-5645
Document Number	0006856085
Book / Page	6614 / 1345
Instrument Date	Jul 22, 2026
Instrument	20266856085
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2386 ORCHARD ST, NAPLES, FL 34120-5645

Mortgage

Document Number	0006856085,
Date	Jul 29, 2026
Book Page	6614/1345
Instrument	20266856085

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	2386 ORCHARD ST, NAPLES, FL 34120-5645
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2386 ORCHARD ST, NAPLES, FL 34120-5645

Mortgage

Document Number	0061720459
Date	Sep 9, 2022
Book Page	6172/459
Instrument	6306595

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	959 Months
Due	Aug 17, 2102

Interest

Rate Type	Adjustable Rate
Rate	5.33%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.3%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 31, 2025
Property Address	2386 ORCHARD ST, NAPLES, FL 34120-5645
Document Number	0065221423
Book / Page	6522 / 1423
Map Reference	MB 66 PG 16
Instrument Date	Oct 28, 2025
Instrument	6747688
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	PREMIER REPUTATION TITLE AGCY LLC, PREMIER REPUTATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,322.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3563 BLUE JAY WAY, EAGAN, MN 55123-2269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2438 ORCHARD ST, NAPLES, FL 34120-5646

Mortgage

Document Number	0065221425
Date	Oct 31, 2025
Instrument	6522/1425

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

February 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 22, 2021
Property Address	2386 ORCHARD ST, NAPLES, FL 34120-5645
Document Number	0058953927
Book / Page	5895 / 3927
Map Reference	MB 66 PG 16
Instrument Date	Feb 19, 2021
Instrument	6005412
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,206.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10481 BEN C PRATT SIC MILE CYPRESS PKWY, FORT MYERS, FL 33966

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2386 ORCHARD ST, NAPLES, FL 34120-5645

Mortgage

Document Number	0058953931
Date	Feb 22, 2021
Instrument	5895/3931

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2386 Orchard St was $7,054, up 3.3% 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		$523,146 (+0.56%) Land $74,209 Building $448,937	$523,146 (+0.21%) Land $74,209 Building $448,937
2025	$7,054.00 (+3.28%) Homeowner's exemption	$520,227 (+2.9%)	$522,025 (-0.41%) Land $85,160 Building $436,865
2024	$6,830.00 (+0.1%) Homeowner's exemption	$505,566 (+3%)	$524,196 (-5.57%) Land $78,347 Building $445,849
2023	$6,823.00 (-1.22%) Homeowner's exemption	$490,841 (+3%)	$555,138 (+16.49%) Land $80,150 Building $474,988
2022	$6,907.00 Homeowner's exemption	$476,545 Land $86,788 Building $389,757	$476,545 Land $86,788 Building $389,757

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

Flood

FEMA maps place 2386 Orchard St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 85 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	85 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

Wildfire risk around 2386 Orchard St is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% 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 485 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Streamline Internet Fixed Wireless	450 / 80
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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