4240 Raffia Palm Cir, Naples, FL 34119 Property Records

Collier County property record for 4240 Raffia Palm Cir, Naples, FL 34119

Property Summary

Property Type	Single Family Home
Details	2,006 sqft · built 2017
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$431,000 (Dec 2017)
Tax Bill	$261 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`585260 103B34`

Property Details

APN / Parcel Number

Primary APN	`585260 103B34`
Alternative APN	`69020000720`

Interior

Stories	1 Story
Building Area	2,006 sqft Living Area
1st Floor Area	2,006 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	6,970 sqft (0.16 acres)
Pool Area	322 sqft
Deck Area	522 sqft

Location & Zoning

Street Address	4240 RAFFIA PALM CIR
City	NAPLES
State	FL
Zip	34119-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAFFIA PRESERVE-PHASE 1 LOT 10
Legal Range	26
Legal Township	48
Legal Section	34
Legal Subdivision	RAFFIA PRESERVE PHASE 1
Legal Phase	1
Legal Tract	585260
Legal Block	2
Legal Lot Number	10
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2015
Census Tract	10436

Owner

4240 Raffia Palm Cir is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	4240 RAFFIA PALM CIR, NAPLES, FL 34119-9677
Occupancy	Owner Occupied
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 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Aug 23, 2021	Deed of Trust, Mortgage · VA Mortgage AFFINITY MORTGAGE LLC
Dec 4, 2017	Grant Deed, Transfer · VA Mortgage EAGLE HM MTG/CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2017 · Amount on File
Deed Sale	Dec 4, 2017 · Amount on File
Deed Document Number	20175478529
Deed Book / Page	5454 / 2317
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4240 RAFFIA PALM CIR, NAPLES, FL 34119-9677
Transaction Type	Mortgage
Record Updated	Jun 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 FOLLIN LN SE, VIENNA, VA 22180-4907

Mortgage

Document Number	0062573524
Date	Jun 13, 2023
Book Page	6257/3524
Instrument	6415774

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2033

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4240 RAFFIA PALM CIR, NAPLES, FL 34119-9677
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 RAFFIA PALM CIR, NAPLES, FL 34119-9677

Mortgage

Document Number	0060011222
Date	Aug 23, 2021
Book Page	6001/1222
Instrument	6116680

Lender

Name	AFFINITY MORTGAGE LLC
Type	Mortgage Company
Address	LENEXA, KS 66215

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Sep 1, 2047

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 4, 2017
Property Address	4240 RAFFIA PALM CIR, NAPLES, FL 34119-9677
Document Number	0054542317
Book / Page	005454 / 002317
Instrument Date	Nov 20, 2017
Instrument	5478529
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,017.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4240 RAFFIA PALM CIR NAPLES FL 341199677, NAPLES, FL 34119-9677

Mortgage

Document Number	54542321
Date	Dec 4, 2017
Book Page	005454/002321
Instrument	5478530

Lender

Name	EAGLE HM MTG/CA
Type	Mortgage Company
Address	CORONA, CA 92800

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4240 Raffia Palm Cir was $261 with exemptions applied.

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		$569,895 (+2.7%)	$571,891 (-0.34%) Land $162,461 Building $409,430
2025	$261.00 Homeowner's exemption Disabled Person's exemption	$554,912	$573,851 Land $156,816 Building $417,035
2023	$249.00 (-95.91%) Homeowner's exemption Disabled Person's exemption	$591,369 (+3%)	$646,603 (+12.62%) Land $222,156 Building $424,447
2022	$6,088.00 Homeowner's exemption	$574,145 Land $123,493 Building $450,652	$574,145 Land $123,493 Building $450,652

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

Flood

FEMA maps place 4240 Raffia Palm Cir 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 78 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	78 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 4240 Raffia Palm Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: CenturyLink, Hotwire Communications.

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