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490 7th St SW, Naples, FL 34117 Property Records

Collier County property record for 490 7th St SW, Naples, FL 34117

Property Summary

Property TypeSingle Family Home
Details1,404 sqft · built 1992
Lot Size2.5 acres (108,900 sqft)
Owner2 Individual Names on File
Last Sale$262,000 (Feb 2016)
Tax Bill$1,329 (2025)
Deeds & MortgagesJun 2017 Mortgage
May 2021 Mortgage
Flood ZoneZone AH (high risk)
APN328900 27 14C09

Property Details

APN / Parcel Number

Primary APN328900 27 14C09
Alternative APNs
  • 371620000050714002714
  • 37162000005

Interior

Stories1 Story
Building Area1,404 sqft Living Area
Gross Area2,604 sqft
1st Floor Area1,404 sqft

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Construction TypeWood
Lot Area108,900 sqft
Garage TypeAttached
Garage Area1,200 sqft
Parking Spaces5 Parking Spaces
Deck Area432 sqft

Location & Zoning

Street Address490 7TH ST SW
CityNAPLES
StateFL
Zip34117-2127
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeE
Legal DescriptionGOLDEN GATE EST UNIT 12 S 1/2 OF TR 27
Legal Range27
Legal Township49
Legal Section9
Legal SubdivisionGOLDEN GATE EST UNIT 12
Legal Tract27
Legal Block2
Legal Lot Number1
Legal Unit12
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group2
Census Block2001
Census Tract10426

Owner

490 7th St SW is owned and occupied by two individuals who bought it in February 2016.

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

Owner of Record2 Individual Names on File
Mailing Address490 7TH ST SW, NAPLES, FL 34117-2127
OccupancyOwner Occupied
Owner TypeIndividual

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
Jun 16, 2017Deed of Trust, Mortgage · Conventional Mortgage
FIRST GUARANTY MORTGAGE CORP
May 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 19, 2016 · Amount on File
Deed SaleFeb 19, 2016 · Amount on File
Prior SaleFeb 12, 2009 · Amount on File
Deed Document Number20165230149
Deed Book / Page5243 / 1752
Record UpdatedOct 29, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address490 7TH ST SW, NAPLES, FL 34117-2127
Transaction TypeMortgage
Record UpdatedJun 21, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054061465
DateJun 16, 2017
Book Page5406/1465
Instrument5418941
Lender
NameFIRST GUARANTY MORTGAGE CORP
TypeMortgage Company
AddressVIENNA, VA 22182
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term358 Months
DueApr 1, 2047

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address490 7TH ST SW, NAPLES, FL 34117-2127
Transaction TypeMortgage
Record UpdatedJun 21, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address490 7TH ST SW, NAPLES, FL 34117-2127

Mortgage

Document Number0059530062
DateMay 25, 2021
Book Page5953/62
Instrument6065327
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressTROY, MI 48098
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 490 7th St SW was $1,329 with a homeowner's exemption.

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$145,795 (+2.7%)$406,027 (+27.09%) Land $205,013 Building $201,014
2025$1,329.00 Homeowner's exemption$141,962$319,468 Land $133,125 Building $186,343
2023$1,222.00 (+0.25%) Homeowner's exemption$133,943 (+3%)$368,351 (-2.65%) Land $172,500 Building $195,851
2022$1,219.00 Homeowner's exemption$130,042$378,360 Land $191,625 Building $186,735

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 490 7th St SW 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 ZoneZone AH
high risk · shallow ponding 1–3 ft
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 242 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies242 in force
Nearby Flood Claims8 (2017–2022)
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 7 claims

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 490 7th St SW is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire RiskModerate
above 60% of the US · lower than 65% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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