609 Hernando Dr, Marco Island, FL 34145 Property Records

Collier County property record for 609 Hernando Dr, Marco Island, FL 34145

Property Summary

Property Type	Single Family Home
Details	2,906 sqft · built 2018
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Trust Names on File
Last Sale	$4,000,000 (Mar 2023)
Tax Bill	$32,854 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2026 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`58045880004`

Property Details

APN / Parcel Number

Primary APN	`58045880004`
Alternative APNs	`58045880004171400384207` `778500 384 207B07`

Interior

Stories	2 Stories
Building Area	2,906 sqft Living Area
1st Floor Area	2,906 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Masonry / Concrete Block
Lot Area	13,504 sqft (0.31 acres)
View / Lot	Waterfront
Pool Area	330 sqft
Deck Area	672 sqft

Location & Zoning

Street Address	609 HERNANDO DR
City	MARCO ISLAND
State	FL
Zip	34145-2413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MARCO
Legal Description	MARCO BCH UNIT 12 BLK 384 LOT 20
Legal Range	26
Legal Township	52
Legal Section	7
Legal Subdivision	MARCO BEACH UNIT 12
Legal Tract	778500
Legal Block	384
Legal Lot Number	20
Legal Unit	12
Jurisdiction	COLLIER FL
Township / Civil Division	MARCO ISLAND
Census Block Group	2
Census Block	2011
Census Tract	10905

Owner

609 Hernando Dr is owner-occupied and held in a trust since March 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 26, 2023	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Apr 20, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 8, 2023	Warranty Deed, Transfer LANDSEL TITLE, LANDSEL TITLE AGCY OF FL LLC
Mar 26, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Apr 18, 2017	Warranty Deed, Transfer · Line of Credit SOUTHERNTIDE PROPERTIES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2023 · Amount on File
Deed Sale	Mar 8, 2023 · Amount on File
Prior Sale	Mar 26, 2020 · Amount on File
Deed Document Number	20236373119
Deed Book / Page	6223 / 1277
Prior Transfer Date	Jul 31, 2007
Prior Transfer Doc	0042653772
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413

Mortgage

Document Number	0063162518
Date	Dec 26, 2023
Book Page	6316/2518
Instrument	6490745

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 20, 2026
Property Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Document Number	0065770724
Book / Page	6577 / 724
Instrument Date	Apr 8, 2026
Instrument	20266812754
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 8, 2023
Property Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Document Number	0062231277
Book / Page	6223 / 1277
Map Reference	MB 6 PG 87
Instrument Date	Mar 7, 2023
Instrument	6373119
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	LANDSEL TITLE, LANDSEL TITLE AGCY OF FL LLC

Transaction

Amount	Amount on Record
Tax	$28,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8936 WILLIAMS CIR UNIT 5102, 5102, NAPLES, FL 34120-0792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 26, 2020
Property Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Document Number	0057440898
Book / Page	5744 / 898
Map Reference	MB 6 PG 87
Instrument Date	Mar 23, 2020
Instrument	5848182
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 N 2ND ST, 8, LA FAYETTE, IN 47901-1884

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5966 BOWES CREEK PL, GAINESVILLE, VA 20155-4206

Mortgage

Document Number	0057440900
Date	Mar 26, 2020
Instrument	5744/0900

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 18, 2017
Property Address	609 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Document Number	0053840543
Book / Page	005384 / 000543
Instrument Date	Mar 30, 2017
Instrument	5392985
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ACTION TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$3,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8 N 2ND ST #C LAFAYETTE IN 479011204, C, LAFAYETTE, IN 47901-1204

Mortgage

Document Number	53840546
Date	Apr 18, 2017
Book Page	005384/000546
Instrument	5392986

Lender

Name	SOUTHERNTIDE PROPERTIES LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 609 Hernando Dr was $32,854, up 2.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Municipality	Marco Island City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,722,762 (+2.7%)	$3,882,426 (-8.97%) Land $1,593,208 Building $2,289,218
2025	$32,854.00 (+2.5%) Homeowner's exemption	$3,624,890	$4,264,938 Land $1,304,782 Building $2,960,156
2024	$32,054.00 (-10.92%)
2023	$35,985.00 (-9.89%) Homeowner's exemption	$3,841,307 (-2.87%) Land $1,318,517 Building $2,522,790	$3,841,307 (-2.87%) Land $1,318,517 Building $2,522,790
2022	$39,936.00 Homeowner's exemption	$3,954,742 Land $1,297,916 Building $2,656,826	$3,954,742 Land $1,297,916 Building $2,656,826

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

Flood

FEMA maps place 609 Hernando Dr 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 376 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	743 units insured incl. 367 condo units
Nearby Flood Claims	162 (1988–2025)
Most Recent Claim	Apr 2025 · other causes
Claims by Event	Hurricane Milton, Oct 2024 · 21 claims Hurricane Ian, Sep 2022 · 52 claims Hurricane Ian, Sep 2022 · 50 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 609 Hernando Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 System	MARCO ISLAND UTILITIES (CITY OF) private · serves 31,830 people · EPA ID FL5110183
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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