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  6. 7786 Gardner Dr

7786 Gardner Dr, Unit 103, Naples, FL 34109 Property Records

Collier County property record for 7786 Gardner Dr, Unit 103, Naples, FL 34109

Property Summary

Property TypeCondominium
Details1,607 sqft · built 1995
OwnerIndividual Name on File
Last Sale$240,000 (Jul 2020)
Tax Bill$1,848 (2025)
Deeds & MortgagesMay 2026 Sale
Apr 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN64703001944

Property Details

APN / Parcel Number

Primary APN64703001944
Alternative APN
  • 530200 21 1034A01

Interior

Units7 Units
Building Area1,607 sqft Living Area
1st Floor Area1,607 sqft

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Architectural StyleCondo/Apartment

Location & Zoning

Street Address7786 GARDNER DR, 103
CityNAPLES
StateFL
Zip34109-2613
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionORCHARDS A CONDOMINIUM, THE BLDG 21-103
Legal Range25
Legal Township49
Legal Section1
Legal SubdivisionORCHARDS A CONDOMINIUM, THE
Legal Tract530200
Legal Block2
Legal Lot Number103
Legal Unit21-103
JurisdictionCOLLIER FL
Township / Civil DivisionNAPLES
Census Block Group2
Census Block2013
Census Tract10429

Owner

7786 Gardner Dr, Unit 103 is owned by an individual who bought it in July 2020.

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

Owner of RecordIndividual Name on File
Mailing Address7786 GARDNER DR, 103, NAPLES, FL 34109-2613
Owner TypeIndividual
VestingLife Estate

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

DateDocument
May 14, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Apr 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
T2 FINANCIAL LLC
Jul 24, 2020Warranty Deed, Transfer
COTTRELL TITLE AND ESCROW, COTTRELL TITLE & ESCROW

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 24, 2020 · Amount on File
Deed SaleJul 24, 2020 · Amount on File
Prior SaleJan 14, 2002 · Amount on File
Deed Document Number20205898219
Deed Book / Page5792 / 1324
Record UpdatedOct 29, 2026

May 2026: Deed, Transfer

Document TypeDeed
JurisdictionCOLLIER FL
Recording DateMay 14, 2026
Property Address7786 GARDNER DR, 103, NAPLES, FL 34109-2613
Document Number0006824782
Book / Page6587 / 1693
Instrument DateMay 8, 2026
Instrument20266824782
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Percentage Unclear

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address7786 GARDNER DR, 103, NAPLES, FL 34109-2613

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOLLIER FL
Property Address7786 GARDNER DR UNIT 103, 103, NAPLES, FL 34109-2613
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057513471
DateApr 15, 2020
Book Page5751/3471
Instrument5855582
Lender
NameT2 FINANCIAL LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2050

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCOLLIER FL
Recording DateJul 24, 2020
Property Address7786 GARDNER DR UNIT 103, 103, NAPLES, FL 34109-2613
Document Number0057921324
Book / Page005792 / 001324
Instrument DateJul 23, 2020
Instrument5898219
Transaction TypeTransfer
Record UpdatedAug 7, 2020
Title CompanyCOTTRELL TITLE AND ESCROW, COTTRELL TITLE & ESCROW

Transaction

AmountAmount on Record
Tax$1,680.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7786 GARDNER DR #103 NAPLES FL 341092613, 103, NAPLES, FL 34109-2613

Tax Assessment & Valuation

The 2025 property tax bill for 7786 Gardner Dr, Unit 103 was $1,848.

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

Property Jurisdictions

TypeName
StateFlorida
CountyCollier County
Unified School DistrictCollier County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$239,968 (+2.7%)$305,583 (-14.02%) Building $305,583
2025$1,848.00 Homeowner's exemption$233,659$355,400 Building $355,400
2023$1,779.00 (-2.63%) Homeowner's exemption$220,460 (+3%)$371,505 (+32.4%) Building $371,505
2022$1,827.00 Homeowner's exemption$214,039$280,601 Building $280,601

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

Flood

FEMA maps place 7786 Gardner Dr, Unit 103 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 in force

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

The area around 7786 Gardner Dr, Unit 103 has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 SystemCOLLIER COUNTY REGIONAL WTP
serves 216,993 people · EPA ID FL5114069
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting9
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 319 locations within half a mile, as of December 31, 2025

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

May also be available: Blue Stream, Hotwire Communications, Summit Broadband.

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