540 Ridge Dr, Naples, FL 34108 Property Records

Collier County property record for 540 Ridge Dr, Naples, FL 34108

Property Summary

Property Type	Single Family Home
Details	3,048 sqft · built 2006
Lot Size	1.31 acres (57,499 sqft)
Owner	Company Name on Record
Last Sale	$3,700,000 (Jun 2022)
Tax Bill	$42,121 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`561400 R 34A03`

Property Details

APN / Parcel Number

Primary APN	`561400 R 34A03`
Alternative APNs	`67287040004128400R34` `67287040004`

Interior

Stories	2 Stories
Building Area	3,048 sqft Living Area
1st Floor Area	3,048 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2015
Construction Type	Masonry / Concrete Block
Lot Area	57,499 sqft
Pool Area	880 sqft
Porch	Aluminum Porch
Deck Area	1,800 sqft

Location & Zoning

Street Address	540 RIDGE DR
City	NAPLES
State	FL
Zip	34108-2674
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	PINE RIDGE EXT BLK R LOT 3
Legal Range	25
Legal Township	49
Legal Section	3
Legal Subdivision	PINE RIDGE EXTENSION
Legal Tract	561400
Legal Block	R
Legal Lot Number	3
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1011
Census Tract	10205

Owner

Source: Collier County records, as of October 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4244 CORPORATE SQ, NAPLES, FL 34104-4753
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jun 1, 2022	Warranty Deed, Transfer ACCOMMODATION
Oct 4, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FINEMARK NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	20226260409
Deed Book / Page	6134 / 247
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	540 RIDGE DR, NAPLES, FL 34108-2674
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 RIDGE DR, NAPLES, FL 34108-2674

Mortgage

Document Number	0061640549
Date	Aug 16, 2022
Book Page	6164/549
Instrument	6296994

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Sep 1, 2037
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.87%
Index	Other
Margin	3
Max Rate	8.87%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 1, 2022
Property Address	540 RIDGE DR, NAPLES, FL 34108-2674
Document Number	0061340247
Book / Page	6134 / 247
Map Reference	MB 3 PG 51
Instrument Date	Jun 1, 2022
Instrument	6260409
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$25,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2614 TAMIANL TRAIL #603603, 2614, NAPLES, FL 34103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4344 CORPORATE SQ, NAPLES, FL 34104-0868

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 4, 2021
Property Address	540 RIDGE DR, NAPLES, FL 34108-2674
Document Number	0060212021
Book / Page	6021 / 2021
Map Reference	MB 3 PG 51
Instrument Date	Oct 4, 2021
Instrument	6137745
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,250.00
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 RIDGE DR, NAPLES, FL 34108-2674

Mortgage

Document Number	60212023
Date	Oct 4, 2021
Instrument	6021/2023

Lender

Name	FINEMARK NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2051

Interest

Rate Type	Adjustable Rate

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		$4,623,906 (+9.83%) Land $2,462,408 Building $2,161,498	$4,623,906 (-0.41%) Land $2,462,408 Building $2,161,498
2025	$42,121.00 (+17.93%)	$4,210,206 (+16.47%)	$4,642,761 (+28.43%) Land $2,653,457 Building $1,989,304
2023	$35,717.00 (+56.45%)	$3,614,909 (+64.37%) Land $2,468,001 Building $1,146,908	$3,614,909 (+64.37%) Land $2,468,001 Building $1,146,908
2022	$22,829.00 Homeowner's exemption	$2,199,210 Land $1,557,837 Building $641,373	$2,199,210 Land $1,557,837 Building $641,373

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 167 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	23 (1995–2017)
Claims Outside the SFHA	13 of 23
Most Recent Claim	Oct 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Oct 2017 · 14 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.09% 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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