641 Hernando Dr, Marco Island, FL 34145 Property Records

Collier County property record for 641 Hernando Dr, Marco Island, FL 34145

Property Summary

Property Type	Single Family Home
Details	1,842 sqft · built 1981
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Trust Names on File
Last Sale	$857,500 (Jun 2018)
Tax Bill	$7,691 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`58046040005`

Property Details

APN / Parcel Number

Primary APN	`58046040005`
Alternative APNs	`58046040005171400384247` `778500 384 247B07`

Interior

Stories	1 Story
Building Area	1,842 sqft Living Area
1st Floor Area	1,842 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2011
Construction Type	Masonry / Concrete Block
Lot Area	8,712 sqft (0.2 acres)
View / Lot	Waterfront
Pool Area	288 sqft
Deck Area	756 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	641 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 24
Legal Range	26
Legal Township	52
Legal Section	7
Legal Subdivision	MARCO BEACH UNIT 12
Legal Tract	778500
Legal Block	384
Legal Lot Number	24
Legal Unit	12
Jurisdiction	COLLIER FL
Township / Civil Division	MARCO ISLAND
Census Block Group	2
Census Block	2011
Census Tract	10905

Owner

641 Hernando Dr is owner-occupied and held in a trust since August 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	641 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2018 · Amount on File
Deed Sale	Jun 19, 2018 · Amount on File
Prior Sale	Apr 15, 2016 · Amount on File
Deed Document Number	20185573309
Deed Book / Page	5523 / 331
Last Transfer Date	Aug 7, 2024
Transfer Doc	0063892903
Record Updated	Oct 29, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 19, 2018
Property Address	641 HERNANDO DR, MARCO ISLAND, FL 34145-2413
Document Number	0055230331
Book / Page	5523 / 0331
Map Reference	MB6 PG87-91
Instrument Date	Jun 1, 2018
Instrument	5573309
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,002.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	766 CEDAR FIELD CT, 766, CHESTERFIELD, MO 63017-5727

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	641 HERNANDO DR, MARCO ISLAND, FL 34145-2413

Mortgage

Document Number	0005573310
Date	Jun 19, 2018
Instrument	5573310

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 641 Hernando Dr was $7,691 with a homeowner's exemption, 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		$879,340 (+2.7%)	$1,446,423 (+2.57%) Land $1,020,800 Building $425,623
2025	$7,691.00 (+2.55%)	$856,222	$1,410,191 Land $836,000 Building $574,191
2024	$7,500.00 (+0.29%)
2023	$7,478.00 (-3.98%) Homeowner's exemption	$807,855 (+3%)	$1,333,640 (-1.14%) Land $844,800 Building $488,840
2022	$7,788.00 Homeowner's exemption	$784,325	$1,349,004 Land $831,600 Building $517,404

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

Flood

FEMA maps place 641 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 641 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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Summit Broadband Fiber · Cable in parts of the area	40,000 / 40,000
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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