638 7th Ave S, Naples, FL 34102 Property Records

Collier County property record for 638 7th Ave S, Naples, FL 34102

Property Summary

Property Type	Condominium
Details	1,860 sqft · built 1976
Owner	2 Trust Names on File
Last Sale	$1,125,000 (Jul 2026)
Tax Bill	$10,467 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`025900 B 6385A03`

Property Details

APN / Parcel Number

Primary APN	`025900 B 6385A03`
Alternative APNs	`044304400030065006385` `04430440003` `4430440003`

Interior

Building Area	1,860 sqft Living Area
1st Floor Area	1,860 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	638 7TH AVE S
City	NAPLES
State	FL
Zip	34102-6737
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	CAMBIER COURT A CONDOMINIUM UNIT B-638 & B-642
Legal Range	25
Legal Township	50
Legal Section	3
Legal Subdivision	CAMBIER COURT A CONDOMINIUM
Legal Tract	025900
Legal Block	1
Legal Lot Number	638
Legal Unit	B-638
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1049
Census Tract	101

Owner

638 7th Ave S, a condominium, is held in a trust since July 2026.

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	2 Trust Names on File
Mailing Address	295 VINE AVE, LAKE FOREST, IL 60045-1934
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2026 · Amount on File
Deed Sale	Jul 24, 2026 · Amount on File
Prior Sale	Mar 24, 2017 · Amount on File
Deed Document Number	20266854342
Deed Book / Page	6612 / 3744
Prior Transfer Date	Feb 23, 2009
Prior Transfer Doc	0044301422
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jul 24, 2026
Property Address	638 7TH AVE S, NAPLES, FL 34102-6737
Document Number	0006854342
Book / Page	6612 / 3744
Instrument Date	Jul 23, 2026
Instrument	20266854342
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795,375.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	295 VINE AVE, LAKE FOREST, IL 60045-1934

Mortgage

Document Number	0006854343,
Date	Jul 24, 2026
Book Page	6612/3746
Instrument	20266854343

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 638 7th Ave S was $10,467, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,216,000 (+5.15%) Building $1,216,000	$1,216,000 (+5.15%) Building $1,216,000
2025	$10,467.00 (+2.3%)	$1,156,480 Building $1,156,480	$1,156,480 Building $1,156,480
2024	$10,232.00 (+3.55%)
2023	$9,881.00 (-0.73%)	$1,020,030 (+1%)	$1,123,000 (+0.23%) Building $1,123,000
2022	$9,954.00	$927,300	$1,120,392 Building $1,120,392

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

Flood

FEMA maps place 638 7th Ave S 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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 415 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,189 units insured incl. 774 condo units
Nearby Flood Claims	482 (1985–2024)
Claims Outside the SFHA	5 of 482
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 57 claims Hurricane Ian, Nov 2022 · 166 claims Hurricane Ian, Oct 2022 · 139 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 638 7th Ave S 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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	1 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	13 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 201 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink, Hotwire Communications, Summit Broadband.