7804 Gardner Dr, Unit 202, Naples, FL 34109 Property Records

Collier County property record for 7804 Gardner Dr, Unit 202, Naples, FL 34109

Property Summary

Property Type	Condominium
Details	1,800 sqft · built 1996
Owner	2 Individual Names on File
Last Sale	$290,000 (Mar 2020)
Tax Bill	$3,296 (2025)
Deeds & Mortgages	Jul 2020 Second Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`64703001708`

Property Details

APN / Parcel Number

Primary APN	`64703001708`
Alternative APNs	`64703001708123262182024` `530200 18 2024A01`

Interior

Units	7 Units
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft

Exterior

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

Location & Zoning

Street Address	7804 GARDNER DR, 202
City	NAPLES
State	FL
Zip	34109-0648
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	ORCHARDS A CONDOMINIUM, THE BLDG 18-202
Legal Range	25
Legal Township	49
Legal Section	1
Legal Subdivision	ORCHARDS A CONDOMINIUM, THE
Legal Tract	530200
Legal Block	2
Legal Lot Number	202
Legal Unit	18-202
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2013
Census Tract	10429

Owner

7804 Gardner Dr, Unit 202 is owned by two individuals who acquired it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	19906 W KERRY PL, STRONGSVILLE, OH 44149-0917
Owner Type	Individual
Vesting	Life 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

Date	Document
Jul 6, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage B M S FCU
Mar 24, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2020 · Amount on File
Deed Sale	Mar 24, 2020 · Amount on File
Prior Sale	Mar 29, 2016 · Amount on File
Deed Document Number	20205847106
Deed Book / Page	5743 / 1362
Last Transfer Date	May 16, 2024
Transfer Doc	0063623680
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	7804 GARDNER DR UNIT 202, 202, NAPLES, FL 34109-0648
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057840145
Date	Jul 6, 2020
Book Page	5784/145
Instrument	5889449

Lender

Name	B M S FCU
Type	Credit Union
Address	NEW BRUNSWICK, NJ 08901

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	113 Months
Due	Dec 1, 2029

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 24, 2020
Property Address	7804 GARDNER DR UNIT 202, 202, NAPLES, FL 34109-0648
Document Number	0057431362
Book / Page	005743 / 001362
Instrument Date	Mar 20, 2020
Instrument	5847106
Transaction Type	Transfer
Record Updated	Apr 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,030.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19906 W KERRY PL STRONGSVILLE OH 441490917, STRONGSVILLE, OH 44149-0917

Tax Assessment & Valuation

The 2025 property tax bill for 7804 Gardner Dr, Unit 202 was $3,296, up 1.7% from the year before.

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		$314,400 (-10.38%) Building $314,400	$314,400 (-13.39%) Building $314,400
2025	$3,296.00 (+1.67%)	$350,799	$363,000 Building $363,000
2024	$3,242.00 (+0.09%)
2023	$3,239.00 (+9.91%)	$289,916 (+1%)	$382,000 (+24.81%) Building $382,000
2022	$2,947.00	$263,560	$306,075 Building $306,075

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

Flood

FEMA maps place 7804 Gardner Dr, Unit 202 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 7804 Gardner Dr, Unit 202 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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