527 Serendipity Dr, Naples, FL 34108 Property Records

Collier County property record for 527 Serendipity Dr, Naples, FL 34108

Property Summary

Property Type	Condominium
Details	1,217 sqft · built 1985
Owner	2 Individual Names on File
Last Sale	$720,000 (Oct 2023)
Tax Bill	$7,644 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`624400 5274A09`

Property Details

APN / Parcel Number

Primary APN	`624400 5274A09`
Alternative APNs	`732305200021402005274` `73230520002`

Interior

Building Area	1,217 sqft Living Area
1st Floor Area	1,217 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	527 SERENDIPITY DR
City	NAPLES
State	FL
Zip	34108-2816
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	SERENDIPITY AT PELICAN BAY A CONDOMINIUM UNIT 527
Legal Range	25
Legal Township	49
Legal Section	9
Legal Subdivision	SERENDIPITY AT PELICAN BAY A CONDOMINIUM
Legal Tract	624400
Legal Block	1
Legal Lot Number	527
Legal Unit	527
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1006
Census Tract	10215

Owner

527 Serendipity Dr, a condominium, is owned by two individuals who bought it in October 2023.

Source: Collier County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	257 DEAN ST, BROOKLYN, NY 11217-2202
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Oct 24, 2023	Personal Representative Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on File
Deed Sale	Oct 24, 2023 · Amount on File
Prior Sale	May 1, 2015 · Amount on File
Deed Document Number	20236468388
Deed Book / Page	6299 / 2337
Prior Transfer Date	Jun 28, 1993
Prior Transfer Doc	1842000652
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	527 SERENDIPITY DR, NAPLES, FL 34108-2816
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	NATIONAL TITLE AND CLOSING SERVICES, EQT NATL TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 DEAN ST, BROOKLYN, NY 11217-2202

Mortgage

Document Number	0065691948
Date	Mar 31, 2026
Book Page	6569/1948
Instrument	6804154

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

October 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 24, 2023
Property Address	527 SERENDIPITY DR, NAPLES, FL 34108-2816
Document Number	0062992337
Book / Page	6299 / 2337
Map Reference	MB 1117 PG 1969
Instrument Date	Oct 20, 2023
Instrument	6468388
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	LUTGERT TITLE, LUTGERT TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1431 S OCEAN BLVD, POMPANO BEACH, FL 33062-7378

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	257 DEAN ST, BROOKLYN, NY 11217-2202

Mortgage

Document Number	0062992339
Date	Oct 24, 2023
Instrument	6299/2339

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.3%
Max Rate	12.3%

Tax Assessment & Valuation

The 2025 property tax bill for 527 Serendipity Dr was $7,644, down 0.5% from the year before.

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		$565,480 (-7%) Building $565,480	$565,480 (-7%) Building $565,480
2025	$7,644.00 (-0.48%)	$608,075 Building $608,075	$608,075 Building $608,075
2024	$7,681.00 (+17.5%)
2023	$6,537.00 (+11.4%)	$445,093 (+1%)	$665,925 (+29.09%) Building $665,925
2022	$5,868.00	$404,630	$515,866 Building $515,866

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

Flood

FEMA maps place 527 Serendipity Dr in Zone X, an area of moderate 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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 154 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	630 units insured incl. 476 condo units
Nearby Flood Claims	63 (1988–2024)
Claims Outside the SFHA	8 of 63
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 20 claims Hurricane Ian, Sep 2022 · 18 claims Hurricane Irma, Sep 2017 · 10 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 527 Serendipity Dr 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 Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	40,000 / 40,000
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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