540 2nd St SE, Naples, FL 34117 Property Records

Collier County property record for 540 2nd St SE, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	1,994 sqft · built 1992
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Mar 2026)
Tax Bill	$4,556 (2025)
Deeds & Mortgages	Oct 2022 Second Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`329200 44 04C10`

Property Details

APN / Parcel Number

Primary APN	`329200 44 04C10`
Alternative APNs	`372232400050715004404` `37223240005`

Interior

Stories	1 Story
Building Area	1,994 sqft Living Area
1st Floor Area	1,994 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Masonry / Concrete Block
Lot Area	108,900 sqft

Location & Zoning

Street Address	540 2ND ST SE
City	NAPLES
State	FL
Zip	34117-9339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 13 S 1/2 OF TR 44
Legal Range	27
Legal Township	49
Legal Section	10
Legal Subdivision	GOLDEN GATE EST UNIT 13
Legal Tract	44
Legal Block	3
Legal Unit	13
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	3
Census Block	3010
Census Tract	10426

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	540 2ND ST SE, NAPLES, FL 34117-9339
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 4, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 1, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2026 · Amount on Record
Deed Sale	Mar 4, 2026 · Amount on Record
Prior Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	20266792893
Deed Book / Page	6559 / 3206
Prior Transfer Date	May 9, 2016
Prior Transfer Doc	0052822046
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	540 2ND ST SE, NAPLES, FL 34117-9339
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 2ND ST SE, NAPLES, FL 34117-9339

Mortgage

Document Number	0061791320
Date	Oct 10, 2022
Book Page	6179/1320
Instrument	6315436

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2052

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 4, 2026
Property Address	540 2ND ST SE, NAPLES, FL 34117-9339
Document Number	0065593206
Book / Page	6559 / 3206
Map Reference	MB 7 PG 71&72
Instrument Date	Feb 27, 2026
Instrument	6792893
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	TITLE US LLC, TITLE PLUS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20041 SANIBEL VIEW CIRCLE UNIT 203, 203, FORT MYERS, FL 33908-6992

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 2ND ST SE, NAPLES, FL 34117-9339

Mortgage

Document Number	0065593209
Date	Mar 4, 2026
Instrument	6559/3209

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 1, 2020
Property Address	540 2ND ST SE, NAPLES, FL 34117-9339
Document Number	0058092833
Book / Page	5809 / 2833
Map Reference	MB 7 PG 71&72
Instrument Date	Aug 28, 2020
Instrument	5916497
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CITIZENS TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 2ND ST SE, NAPLES, FL 34117-9339

Mortgage

Document Number	0058092835
Date	Sep 1, 2020
Instrument	5809/2835

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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		$356,670 (-7.66%) Land $133,125 Building $223,545	$356,670 (-19.29%) Land $133,125 Building $223,545
2025	$4,556.00 (+18.92%)	$386,251 (+21%)	$441,898 (+14.21%) Land $133,125 Building $308,773
2023	$3,831.00 (+4.99%)	$319,215 (+1%)	$386,912 (+12.68%) Land $136,250 Building $250,662
2022	$3,649.00	$290,195	$343,360 Land $103,031 Building $240,329

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

Flood

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
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 256 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	264 units insured incl. 8 condo units
Nearby Flood Claims	4 (2017–2026)
Most Recent Claim	Aug 2026 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 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

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Streamline Internet.

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