540 27th St SW, Naples, FL 34117 Property Records

Collier County property record for 540 27th St SW, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	2,230 sqft · built 1996
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$799,900 (Feb 2022)
Tax Bill	$6,826 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2020 Loan Modification + 3 more
Flood Zone	Zone AH (high risk)
APN	`326800 91 04B12`

Property Details

APN / Parcel Number

Primary APN	`326800 91 04B12`
Alternative APNs	`368164400060707009104` `36816440006`

Interior

Stories	1 Story
Building Area	2,230 sqft Living Area
1st Floor Area	2,230 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	108,900 sqft
Pool Area	392 sqft
Deck Area	971 sqft

Location & Zoning

Street Address	540 27TH ST SW
City	NAPLES
State	FL
Zip	34117-3140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 5 S 1/2 OF TR 91
Legal Range	26
Legal Township	49
Legal Section	12
Legal Subdivision	GOLDEN GATE EST UNIT 5
Legal Tract	91
Legal Block	2
Legal Unit	5
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2012
Census Tract	10426

Owner

540 27th St SW is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	540 27TH ST SW, NAPLES, FL 34117-3140
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 21, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 3, 2020	Loan Modification, Mortgage · Conventional Mortgage JARCZYK BONNIE L L/TR (LT)
Dec 4, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Aug 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 17, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage MARKETPLACE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2022 · Amount on File
Deed Sale	Feb 21, 2022 · Amount on File
Prior Sale	Dec 4, 2020 · Amount on File
Deed Document Number	20226208757
Deed Book / Page	6087 / 2803
Prior Transfer Date	Aug 17, 2020
Prior Transfer Doc	0058041908
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 21, 2022
Property Address	540 27TH ST SW, NAPLES, FL 34117-3140
Document Number	0060872803
Book / Page	6087 / 2803
Map Reference	MB 4 PG 91
Instrument Date	Feb 18, 2022
Instrument	6208757
Transaction Type	Transfer
Record Updated	Mar 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,599.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 ROLAND RD, 150, THOMASTON, GA 30286-7600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 27TH ST SW, NAPLES, FL 34117-3140

Mortgage

Document Number	0060872805
Date	Feb 21, 2022
Instrument	6087/2805

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	540 27TH ST SW, NAPLES, FL 34117-3140
Document Number	0058541553
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 27TH ST SW NAPLES FL 341173140, NAPLES, FL 34117-3140

Mortgage

Document Number	0058541553
Date	Dec 4, 2020
Book Page	005854/001553
Instrument	5964064

Lender

Name	JARCZYK BONNIE L L/TR (LT)
Address	2012 PRINCE DR, NAPLES, FL 34110-1033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 4, 2020
Property Address	540 27TH ST SW, NAPLES, FL 34117-3140
Document Number	0058541551
Book / Page	005854 / 001551
Instrument Date	Dec 3, 2020
Instrument	5964063
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,570.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 27TH ST SW NAPLES FL 341173140, NAPLES, FL 34117-3140

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Aug 20, 2020
Property Address	540 27TH ST SW, NAPLES, FL 34117-3140
Document Number	0058041908
Book / Page	005804 / 001908
Instrument Date	Aug 17, 2020
Instrument	5911111
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 27TH ST SW NAPLES FL 341173140, NAPLES, FL 34117-3140

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Oct 17, 2018
Property Address	540 27TH ST SW, NAPLES, FL 34117-3140
Document Number	0055630236
Book / Page	5563 / 0236
Map Reference	MB4 PG91&92
Instrument Date	Oct 1, 2018
Instrument	5625635
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SUMMIT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 27TH ST SW, NAPLES, FL 34117-3140

Mortgage

Document Number	0005625636
Date	Oct 17, 2018
Instrument	5625636

Lender

Name	MARKETPLACE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 540 27th St SW was $6,826 with a homeowner's exemption, up 7.2% 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		$683,108 (+2.7%)	$804,891 (+4.23%) Land $362,500 Building $442,391
2025	$6,826.00 (+7.18%) Homeowner's exemption	$665,149	$772,230 Land $362,500 Building $409,730
2024	$6,369.00 (-12.61%)
2023	$7,288.00 (+152.62%) Homeowner's exemption	$722,284 (+156.14%) Land $293,750 Building $428,534	$722,284 (+44.57%) Land $293,750 Building $428,534
2022	$2,885.00 Homeowner's exemption	$281,985	$499,614 Land $194,906 Building $304,708

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 540 27th 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 Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 242 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	242 in force
Nearby Flood Claims	8 (2017–2022)
Most Recent Claim	Sep 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 540 27th St SW is moderate, ranking above 59% 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 Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct 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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on 27th St SW

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