540 7th St SW, Naples, FL 34117 Property Records

Collier County property record for 540 7th St SW, Naples, FL 34117

Property Summary

Property Type	Single Family Home
Details	1,905 sqft · built 1997
Lot Size	1.13 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$472,000 (Mar 2026)
Tax Bill	$1,359 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`328900 28 24C09`

Property Details

APN / Parcel Number

Primary APN	`328900 28 24C09`
Alternative APNs	`371621200080714002824` `37162120008`

Interior

Stories	1 Story
Building Area	1,905 sqft Living Area
1st Floor Area	1,905 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Masonry / Concrete Block
Lot Area	49,658 sqft

Location & Zoning

Street Address	540 7TH ST SW
City	NAPLES
State	FL
Zip	34117-2130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E
Legal Description	GOLDEN GATE EST UNIT 12 S 75FT OF TR 28
Legal Range	27
Legal Township	49
Legal Section	9
Legal Subdivision	GOLDEN GATE EST UNIT 12
Legal Tract	28
Legal Block	2
Legal Lot Number	2
Legal Unit	12
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2001
Census Tract	10426

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	540 7TH ST SW, NAPLES, FL 34117-2130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Apr 6, 2010 · Amount on Record
Deed Document Number	20266794841
Deed Book / Page	6561 / 2024
Prior Transfer Date	May 3, 2006
Prior Transfer Doc	0040400893
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	540 7TH ST SW, NAPLES, FL 34117-2130
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 7TH ST SW, NAPLES, FL 34117-2130

Mortgage

Document Number	0061363695
Date	Jun 7, 2022
Book Page	6136/3695
Instrument	6263625

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 10, 2026
Property Address	540 7TH ST SW, NAPLES, FL 34117-2130
Document Number	0065612024
Book / Page	6561 / 2024
Map Reference	MB 4 PG 105&106
Instrument Date	Feb 25, 2026
Instrument	6794841
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	SOUTHERN TRUST LAND TITLE, SOUTH FLORIDA TRUST & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,304.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 LAKEVIEW DR, WHISPERING PINES, NC 28327-9471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 7TH ST SW, NAPLES, FL 34117-2130

Mortgage

Document Number	0065612026
Date	Mar 10, 2026
Instrument	6561/2026

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	540 7TH ST SW, NAPLES, FL 34117-2130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054880950
Date	Mar 19, 2018
Book Page	5488/0950
Instrument	5526069

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$148,735 (+2.7%)	$326,525 (+13.78%) Land $93,486 Building $233,039
2025	$1,359.00 (+6.42%) Homeowner's exemption	$144,825 (+5.99%)	$286,974 (-1.01%) Land $60,705 Building $226,269
2024	$1,277.00 (+2.16%)
2023	$1,250.00 (+0.16%) Homeowner's exemption	$136,644 (+3%)	$289,896 (+0.31%) Land $78,660 Building $211,236
2022	$1,248.00 Homeowner's exemption	$132,664	$288,997 Land $87,381 Building $201,616

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

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 Record 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

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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Streamline Internet.

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