7798 Gardner Dr, Unit 102, Naples, FL 34109 Property Records

Collier County property record for 7798 Gardner Dr, Unit 102, Naples, FL 34109

Property Summary

Property Type	Condominium
Details	1,607 sqft · built 1996
Owner	Individual Name on File
Last Sale	$269,000 (Oct 2015)
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Jul 2017 Reverse Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64703001766`

Property Details

APN / Parcel Number

Primary APN	`64703001766`
Alternative APN	`530200 19 1024A01`

Interior

Units	5 Units
Building Area	1,607 sqft Living Area
1st Floor Area	1,607 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	7798 GARDNER DR, 102
City	NAPLES
State	FL
Zip	34109-2604
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ORCHARDS A CONDOMINIUM, THE BLDG 19-102
Legal Range	25
Legal Township	49
Legal Section	1
Legal Subdivision	ORCHARDS A CONDOMINIUM, THE
Legal Tract	530200
Legal Block	2
Legal Lot Number	102
Legal Unit	19-102
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2013
Census Tract	10429

Owner

7798 Gardner Dr, Unit 102 is owned and occupied by an individual who bought it in October 2015.

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

Owner of Record	Individual Name on File
Mailing Address	7798 GARDNER DR, 102, NAPLES, FL 34109-2604
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 5, 2017	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jun 26, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2015 · Amount on File
Deed Sale	Oct 29, 2015 · Amount on File
Prior Sale	Aug 14, 2008 · Amount on File
Deed Document Number	20155189268
Deed Book / Page	5209 / 183
Prior Transfer Date	Mar 24, 2010
Prior Transfer Doc	0045713323
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	7798 GARDNER DR UNIT 102, 102, NAPLES, FL 34109-2604
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054113402
Date	Jul 5, 2017
Book Page	5411/3402
Instrument	5425384

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	922 Months
Due	May 28, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.59%
Type Change Date	Jul 1, 2018
Change Frequency	Annually
Min Rate At Change	5%
Index	1-Year LIBOR
Max Rate	2%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	7798 GARDNER DR UNIT 102, 102, NAPLES, FL 34109-2604
Document Number	0054113417
Instrument Date	Jun 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7798 GARDNER DR #102 NAPLES FL 341092604, 102, NAPLES, FL 34109-2604

Mortgage

Document Number	0054113417
Date	Jul 5, 2017
Book Page	005411/003417
Instrument	5425385

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	924 Months
Due	Jul 4, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.59%

Tax Assessment & Valuation

The 2025 property tax bill for 7798 Gardner Dr, Unit 102 was $2,656 with exemptions applied.

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		$305,583 (-9.95%) Building $305,583	$305,583 (-9.95%) Building $305,583
2025	$2,656.00 Homeowner's exemption Senior Citizen's exemption	$339,330 Building $339,330	$339,330 Building $339,330
2023	$2,982.00 (+13.69%)	$251,445 (+1%)	$371,505 (+32.4%) Building $371,505
2022	$2,623.00	$228,586	$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 7798 Gardner Dr, Unit 102 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 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 7798 Gardner Dr, Unit 102 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 Risk	Not 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 System	COLLIER COUNTY REGIONAL WTP serves 216,993 people · EPA ID FL5114069
Water Source	Groundwater
Last State Inspection	Jul 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	9 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

Provider	Max 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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