7858 Gardner Dr, Naples, FL 34109 Property Records

Collier County property record for 7858 Gardner Dr, Naples, FL 34109

Property Summary

Property Type	Single Family Home
Details	1,755 sqft · built 1995
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Mar 2022)
Tax Bill	$5,385 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`529900 1454A01`

Property Details

APN / Parcel Number

Primary APN	`529900 1454A01`
Alternative APNs	`647020056081232601454` `64702005608`

Interior

Stories	1 Story
Building Area	1,755 sqft Living Area
Gross Area	2,295 sqft
1st Floor Area	1,755 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Construction Type	Masonry / Concrete Block
Lot Area	8,276 sqft (0.19 acres)
Porch	Screened Porch
Porch Area	540 sqft

Location & Zoning

Street Address	7858 GARDNER DR
City	NAPLES
State	FL
Zip	34109-0607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	ORCHARDS, THE LOT 145
Legal Range	25
Legal Township	49
Legal Section	1
Legal Subdivision	ORCHARDS, THE
Legal Tract	529900
Legal Block	2
Legal Lot Number	145
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2012
Census Tract	10429

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7858 GARDNER DR, NAPLES, FL 34109-0607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Line of Credit DFCU FINANCIAL
Mar 13, 2022	Warranty Deed, Transfer ESS TITLE AGENCY, ACCESS TITLE AGENCY
Feb 19, 2021	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2022 · Amount on Record
Deed Sale	Mar 13, 2022 · Amount on Record
Prior Sale	Feb 19, 2021 · Amount on Record
Deed Document Number	20226219260
Deed Book / Page	6097 / 1259
Prior Transfer Date	Jan 25, 2016
Prior Transfer Doc	0052430186
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	7858 GARDNER DR, NAPLES, FL 34109-0607
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4099 TAMIAMI TRL N, NAPLES, FL 34103-8739

Mortgage

Document Number	0065610928
Date	Mar 9, 2026
Book Page	6561/928
Instrument	6794480

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	DEARBORN, MI 48126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 13, 2022
Property Address	7858 GARDNER DR, NAPLES, FL 34109-0607
Document Number	0060971259
Book / Page	6097 / 1259
Map Reference	MB 22 PG 76-82
Instrument Date	Mar 10, 2022
Instrument	6219260
Transaction Type	Transfer
Record Updated	Mar 29, 2022
Title Company	ESS TITLE AGENCY, ACCESS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$5,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 DARBY DR, 111, WINCHESTER, VA 22602-6758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7858 GARDNER DR, NAPLES, FL 34109-0607

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Feb 19, 2021
Property Address	7858 GARDNER DR, NAPLES, FL 34109-0607
Document Number	0058951710
Book / Page	5895 / 1710
Map Reference	MB 22 PG 76-82
Instrument Date	Feb 11, 2021
Instrument	6004824
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,044.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7858 GARDNER DR, NAPLES, FL 34109-0607

Mortgage

Document Number	0058951712
Date	Feb 19, 2021
Instrument	5895/1712

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

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		$587,161 (+1.54%) Land $383,034 Building $204,127	$587,161 (-18.84%) Land $383,034 Building $204,127
2025	$5,385.00 (+2.34%) Homeowner's exemption	$578,252 (+5.99%)	$723,461 (+1.95%) Land $469,980 Building $253,481
2024	$5,262.00 (+0.82%)
2023	$5,219.00 (-18.5%) Homeowner's exemption	$545,587 (-7.54%)	$709,612 (+20.26%) Land $430,815 Building $278,797
2022	$6,404.00	$590,067 Land $293,738 Building $296,329	$590,067 Land $293,738 Building $296,329

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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