520 12th Ave S, Naples, FL 34102 Property Records

Collier County property record for 520 12th Ave S, Naples, FL 34102

Property Summary

Property Type	Condominium
Details	918 sqft · built 1974
Owner	Company Name on File
Last Sale	$372,000 (Jun 2017)
Tax Bill	$4,738 (2025)
Deeds & Mortgages	Oct 2020 Transfer Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`053200 5205A10`

Property Details

APN / Parcel Number

Primary APN	`053200 5205A10`
Alternative APNs	`08380440007` `8380440007`

Interior

Building Area	918 sqft Living Area
1st Floor Area	918 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	520 12TH AVE S
City	NAPLES
State	FL
Zip	34102-8026
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GARDENIA COURT, INC A CONDOMINIUM UNIT 520
Legal Range	25
Legal Township	50
Legal Section	10
Legal Subdivision	GARDENIA COURT, INC A CONDOMINIUM
Legal Tract	053200
Legal Block	2
Legal Lot Number	520
Legal Unit	520
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2020
Census Tract	101

Owner

520 12th Ave S, a condominium, is owned by a company that acquired it in September 2020.

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

Owner of Record	Company Name on File
Mailing Address	45 WOOD RD, CENTEREACH, NY 11720-1619
Owner Type	Company
Vesting	Borrower in Default

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
Oct 1, 2020	Quit Claim Deed, Transfer TOUCHDOWN ABSTRACT SERVICES INC, TOUCHDOWN ABS SVCS INC
Jun 27, 2017	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2017 · Amount on File
Deed Sale	Jun 27, 2017 · Amount on File
Prior Sale	Oct 1, 2015 · Amount on File
Deed Document Number	20175422735
Deed Book / Page	5409 / 2257
Last Transfer Date	Sep 18, 2020
Transfer Doc	0058232591
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 1, 2020
Property Address	520 12TH AVE S, NAPLES, FL 34102-8026
Document Number	0058232591
Book / Page	005823 / 002591
Instrument Date	Sep 8, 2020
Instrument	5931232
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	TOUCHDOWN ABSTRACT SERVICES INC, TOUCHDOWN ABS SVCS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	45 WOOD RD CENTEREACH NY 117201619, CENTEREACH, NY 11720-1619

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 27, 2017
Property Address	520 12TH AVE S, NAPLES, FL 34102-8026
Document Number	0054092257
Book / Page	005409 / 002257
Instrument Date	Jun 16, 2017
Instrument	5422735
Transaction Type	Transfer
Record Updated	Jul 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,604.00
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	45 WOOD RD CENTEREACH NY 117201619, CENTEREACH, NY 11720-1619

Mortgage

Document Number	54092259
Date	Jun 27, 2017
Book Page	005409/002259
Instrument	5422736

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 520 12th Ave S was $4,738, down 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
Municipality	Naples City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$529,340 (+2.11%) Building $529,340	$529,340 (-) Building $529,340
2025	$4,738.00 (-3.31%)	$518,379	$529,340 Building $529,340
2024	$4,900.00 (+8.53%)
2023	$4,515.00 (+4.44%)	$428,413 (+1%)	$556,700 (+10.76%) Building $556,700
2022	$4,323.00	$389,466	$502,620 Building $502,620

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

Flood

FEMA maps place 520 12th Ave S 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	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 246 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	916 units insured incl. 670 condo units
Nearby Flood Claims	321 (1982–2024)
Most Recent Claim	Nov 2024
Claims by Event	Hurricane Milton, Oct 2024 · 50 claims Hurricane Ian, Sep 2022 · 98 claims Hurricane Ian, Sep 2022 · 91 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

The area around 520 12th Ave S 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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