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540 10th Ave S, Naples, FL 34102 Property Records

Collier County property record for 540 10th Ave S, Naples, FL 34102

Property Summary

Property TypeCondominium
Details1,365 sqft · built 1990
Owner2 Individual Names on File
Last Sale$1,460,000 (Aug 2022)
Tax Bill$11,246 (2025)
Deeds & MortgagesNov 2022 Mortgage
Aug 2022 Sale
Flood ZoneZone AE (high risk)
APN131500 201N5A10

Property Details

APN / Parcel Number

Primary APN131500 201N5A10
Alternative APN
  • 18735000066

Interior

Building Area1,365 sqft Living Area
1st Floor Area1,365 sqft

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Architectural StyleCondo/Apartment

Location & Zoning

Street Address540 10TH AVE S
CityNAPLES
StateFL
Zip34102-7102
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionST CHARLES, THE A CONDOMINIUM #201-N
Legal Range25
Legal Township50
Legal Section10
Legal SubdivisionST CHARLES, THE A CONDOMINIUM
Legal Tract131500
Legal Block1
Legal Lot Number201N
Legal Unit201-N
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group1
Census Block1048
Census Tract101

Owner

540 10th Ave S, a condominium, is owned by two individuals who bought it in August 2022.

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

Owner of Record2 Individual Names on File
Mailing Address727 TWIN FAWNS DR, SAINT LOUIS, MO 63131-4721
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
Nov 8, 2022Deed of Trust, Mortgage · Conventional Mortgage
COMMERCE BANK
Aug 31, 2022Warranty Deed, Transfer
ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2022 · Amount on File
Deed SaleAug 31, 2022 · Amount on File
Prior SaleJun 20, 2013 · Amount on File
Deed Document Number20226303196
Deed Book / Page6169 / 555
Record UpdatedOct 29, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address540 10TH AVE S, NAPLES, FL 34102-7102
Transaction TypeMortgage
Record UpdatedNov 22, 2022
Title CompanyACTION TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address727 TWIN FAWNS DR, SAINT LOUIS, MO 63131-4721

Mortgage

Document Number0061890026
DateNov 8, 2022
Book Page6189/26
Instrument6327419
Lender
NameCOMMERCE BANK
TypeBank
AddressKANSAS CITY, MO 64106
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2052
Interest
Rate TypeAdjustable Rate
Rate4.87%
Type Change DateDec 1, 2032
Change FrequencyAnnually
Min Rate At Change2.87%
Max Rate At Change6.87%
Index1-Year T-Bill
Max Rate10.8%

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateAug 31, 2022
Property Address540 10TH AVE S, NAPLES, FL 34102-7102
Document Number0061690555
Book / Page6169 / 555
Map ReferenceMB 1497 PG 2105
Instrument DateAug 31, 2022
Instrument6303196
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

AmountAmount on Record
Tax$10,220.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 661, HARWICH PORT, MA 02646-0661

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address727 TWIN FAWNS DR, SAINT LOUIS, MO 63131-4721

Tax Assessment & Valuation

The 2025 property tax bill for 540 10th Ave S was $11,246.

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
MunicipalityNaples City
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,259,040 (+2.54%) Building $1,259,040$1,259,040 (-) Building $1,259,040
2025$11,246.00$1,227,908$1,259,040 Building $1,259,040
2023$9,390.00 (+13.05%)$1,014,800 (+30.58%) Building $1,014,800$1,014,800 (+9%) Building $1,014,800
2022$8,306.00$777,150$930,967 Building $930,967

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

Flood

FEMA maps place 540 10th 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 415 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,189 units insured
incl. 774 condo units
Nearby Flood Claims482 (1985–2024)
Claims Outside the SFHA5 of 482
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 57 claims
  • Hurricane Ian, Nov 2022 · 166 claims
  • Hurricane Ian, Oct 2022 · 139 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 540 10th 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 RiskNot 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 SystemNAPLES WATER DEPT
serves 83,804 people · EPA ID FL5110198
Water SourceGroundwater
Last State InspectionJun 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting13
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 303 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

May also be available: CenturyLink, Summit Broadband.

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