Collier County property record for 428 Palm Ct, Naples, FL 34108
| Property Type | Single Family Home |
|---|---|
| Details | 2,350 sqft · built 1996 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Mar 1994) |
| Tax Bill | $14,501 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 233800 H 43A32 |
| Primary APN | 233800 H 43A32 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,350 sqft Living Area |
| Gross Area | 3,072 sqft |
| 1st Floor Area | 2,350 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 16,117 sqft (0.37 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 722 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 540 sqft |
| Deck Area | 1,402 sqft |
| Boat Access | Boat Access |
| Street Address | 428 PALM CT |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34108-2361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-3 |
| Legal Description | CONNERS VANDERBILT BCH EST UNIT 2 BLK H LOT 4 |
| Legal Range | 25 |
| Legal Township | 48 |
| Legal Section | 32 |
| Legal Subdivision | CONNERS VANDERBILT BCH EST #2 |
| Legal Tract | 233800 |
| Legal Block | H |
| Legal Lot Number | 4 |
| Legal Unit | 2 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | NAPLES |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10209 |
428 Palm Ct is owned and occupied by an individual who acquired it in February 2009.
Source: Collier County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 PALM CT, NAPLES, FL 34108-2361 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 1994 · Amount on File |
| Deed Sale | Mar 18, 1994 · Amount on File |
| Deed Book / Page | 1925 / 54 |
| Last Transfer Date | Feb 12, 2009 |
| Transfer Doc | 0044281299 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jun 25, 2026 |
| Property Address | 428 PALM CT, NAPLES, FL 34108-2361 |
| Document Number | 0006843146 |
| Book / Page | 6603 / 659 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20266843146 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 428 PALM CT, NAPLES, FL 34108-2361 |
| Investor | Possibly a Property Investor |
| Document Number | 0006843146, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 6603/659 |
| Instrument | 20266843146 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 428 Palm Ct was $14,501 with a homeowner's exemption, up 2.3% from the year before.
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,464,459 (+2.7%) | $3,485,879 (-22.97%) Land $2,880,400 Building $605,479 | |
| 2025 | $14,501.00 (+2.31%) Homeowner's exemption | $1,425,958 | $4,525,223 Land $3,714,200 Building $811,023 |
| 2024 | $14,174.00 (+0.47%) | ||
| 2023 | $14,108.00 (-2.68%) Homeowner's exemption | $1,345,409 (+3%) | $5,184,326 (+49.32%) Land $4,593,480 Building $590,846 |
| 2022 | $14,496.00 Homeowner's exemption | $1,306,222 | $3,471,966 Land $2,865,240 Building $606,726 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Palm Ct in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 218 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 499 units insured incl. 281 condo units |
| Nearby Flood Claims | 411 (1982–2024) |
| Claims Outside the SFHA | 3 of 411 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
The area around 428 Palm Ct has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 68 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Hotwire Communications, Summit Broadband.
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