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3940 Isla Ciudad Ct, Naples, FL 34109 Property Records

Collier County property record for 3940 Isla Ciudad Ct, Naples, FL 34109

Property Summary

Property TypeSingle Family Home
Details1,983 sqft · built 1997
Lot Size0.16 acres (6,970 sqft)
OwnerTrust Name on File
Last Sale$431,000 (Mar 2021)
Tax Bill$5,319 (2025)
Deeds & MortgagesJan 2022 Transfer
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN694300 4074B06

Property Details

APN / Parcel Number

Primary APN694300 4074B06
Alternative APN
  • 80400010607

Interior

Stories1 Story
Building Area1,983 sqft Living Area
1st Floor Area1,983 sqft

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2005
Construction TypeConcrete
Lot Area6,970 sqft (0.16 acres)

Location & Zoning

Street Address3940 ISLA CIUDAD CT
CityNAPLES
StateFL
Zip34109-0321
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionVILLAGE WALK PHASE THREE LOT 407
Legal Range26
Legal Township49
Legal Section6
Legal SubdivisionVILLAGE WALK PHASE 3
Legal Phase3
Legal Tract694300
Legal Block4
Legal Lot Number407
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group4
Census Block4003
Census Tract10434

Owner

3940 Isla Ciudad Ct is owner-occupied and held in a trust since January 2022.

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

Owner of RecordTrust Name on File
Mailing Address3940 ISLA CIUDAD CT, NAPLES, FL 34109-0321
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, 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

DateDocument
Jan 24, 2022Intrafamily Transfer, Transfer
ACCOMMODATION
Mar 1, 2021Warranty Deed, Transfer · Conventional Mortgage
SUMMIT MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 1, 2021 · Amount on File
Deed SaleMar 1, 2021 · Amount on File
Prior SaleJun 25, 2013 · Amount on File
Deed Document Number20216009282
Deed Book / Page5899 / 2254
Last Transfer DateJan 20, 2022
Transfer Doc0060743349
Record UpdatedOct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCOLLIER FL
Recording DateJan 24, 2022
Property Address3940 ISLA CIUDAD CT, NAPLES, FL 34109-0321
Document Number0060743349
Book / Page6074 / 3349
Map ReferenceMB 25 PG 90
Instrument DateJan 20, 2022
Instrument6194288
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3940 ISLA CIUDAD CT, NAPLES, FL 34109-0321

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateMar 1, 2021
Property Address3940 ISLA CIUDAD CT, NAPLES, FL 34109-0321
Document Number0058992254
Book / Page5899 / 2254
Map ReferenceMB 25 PG 90
Instrument DateFeb 22, 2021
Instrument6009282
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,017.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4760 ASTON GARDENS WAY # WAY104, 4760, NAPLES, FL 34109-3591

Transferred To (Grantee/Buyer)

NameVerified Name
Address3940 ISLA CIUDAD CT, NAPLES, FL 34109-0321

Mortgage

Document Number0058992256
DateMar 1, 2021
Instrument5899/2256
Lender
NameSUMMIT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3940 Isla Ciudad Ct was $5,319 with a homeowner's exemption, down 7.8% from the year before.

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$571,114 (-0.04%) Land $296,827 Building $274,287$571,114 (-0.04%) Land $296,827 Building $274,287
2025$5,319.00 (-7.78%) Homeowner's exemption$571,325 Land $320,166 Building $251,159$571,325 Land $320,166 Building $251,159
2024$5,768.00 (+0.77%)
2023$5,724.00 (-2.72%) Homeowner's exemption$597,097 (+3%)$629,867 (+8.65%) Land $307,098 Building $322,769
2022$5,884.00 Homeowner's exemption$579,706 Land $236,694 Building $343,012$579,706 Land $236,694 Building $343,012

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

Flood

FEMA maps place 3940 Isla Ciudad Ct in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 120 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies120 in force

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 3940 Isla Ciudad Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCOLLIER COUNTY REGIONAL WTP
serves 216,993 people · EPA ID FL5114069
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting9
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 339 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Hotwire Communications
Fiber		1,000 / 500
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Blue Stream.

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