8378 Palacio Ter S, Naples, FL 34114 Property Records

Collier County property record for 8378 Palacio Ter S, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	2,327 sqft · built 2016
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Jun 2019)
Tax Bill	$7,783 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`281750 775B23`

Property Details

APN / Parcel Number

Primary APN	`281750 775B23`
Alternative APN	`31347852744`

Interior

Stories	1 Story
Building Area	2,327 sqft Living Area
1st Floor Area	2,327 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Masonry / Concrete Block
Lot Area	8,712 sqft (0.2 acres)
Pool Area	392 sqft
Deck Area	180 sqft

Location & Zoning

Street Address	8378 PALACIO TER S
City	NAPLES
State	FL
Zip	34114-2588
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPLANADE AT HACIENDA LAKES PHASE ONE LOT 77
Legal Range	26
Legal Township	50
Legal Section	23
Legal Subdivision	ESPLANADE HACIENDA LAKES PH1 PHASE ONE
Legal Phase	1
Legal Tract	281750
Legal Block	1
Legal Lot Number	77
Jurisdiction	COLLIER FL
Township / Civil Division	EVERGLADES
Census Block Group	1
Census Block	1001
Census Tract	11114

Owner

8378 Palacio Ter S is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	8378 PALACIO TER S, NAPLES, FL 34114-2588
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Mar 11, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 13, 2019	Warranty Deed, Transfer · Conventional Mortgage CITADEL SVCNG CORP
Jan 9, 2017	Special Warranty Deed, Transfer · ARM FLORIDA COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2019 · Amount on File
Deed Sale	Jun 13, 2019 · Amount on File
Prior Sale	Jan 9, 2017 · Amount on File
Deed Document Number	20195726360
Deed Book / Page	5641 / 930
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	8378 PALACIO TER S, NAPLES, FL 34114-2588
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	SMART TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057380336
Date	Mar 11, 2020
Book Page	5738/336
Instrument	5841270

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 13, 2019
Property Address	8378 PALACIO TER S, NAPLES, FL 34114-2588
Document Number	0056410930
Book / Page	005641 / 000930
Instrument Date	Jun 4, 2019
Instrument	5726360
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8691 RUPP FARM DR WEST CHESTER OH 450694528, WEST CHESTER, OH 45069-4528

Mortgage

Document Number	56410932
Date	Jun 13, 2019
Book Page	005641/000932
Instrument	5726361

Lender

Name	CITADEL SVCNG CORP
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.5%

January 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 9, 2017
Property Address	8378 PALACIO TER S, NAPLES, FL 34114-2588
Document Number	0053512251
Book / Page	5351 / 2251
Map Reference	MB55 PG1-9
Instrument Date	Dec 28, 2016
Instrument	5354223
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,223.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 N CATTLEMEN RD STE 200, 551, SARASOTA, FL 34232-6451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8378 PALACIO TER S, NAPLES, FL 34114-2588

Mortgage

Document Number	0005354224
Date	Jan 9, 2017
Instrument	5354224

Lender

Name	FLORIDA COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 8378 Palacio Ter S was $7,783 with a homeowner's exemption.

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		$558,262 (+2.7%)	$758,680 (-13.55%) Land $237,524 Building $521,156
2025	$7,783.00 Homeowner's exemption	$543,585	$877,553 Land $426,888 Building $450,665
2023	$7,174.00 (-1.42%) Homeowner's exemption	$448,944 (+3%)	$636,351 (+5.18%) Land $165,528 Building $470,823
2022	$7,277.00 Homeowner's exemption	$435,868	$605,002 Land $123,493 Building $481,509

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

Flood

FEMA maps place 8378 Palacio Ter S in Zone AH, 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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 304 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	304 in force
Nearby Flood Claims	6 (2017–2024)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 4 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 8378 Palacio Ter S is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Fiber · Cable in parts of the area	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Blue Stream, Hotwire Communications, T-Mobile.

Nearby Properties on Palacio Ter S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures