8398 Palacio Ter S, Naples, FL 34114 Property Records

Collier County property record for 8398 Palacio Ter S, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	2,087 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (Jun 2018)
Tax Bill	$10,109 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone AH (high risk)
APN	`281750 825B23`

Property Details

APN / Parcel Number

Primary APN	`281750 825B23`
Alternative APN	`31347852841`

Interior

Stories	1 Story
Building Area	2,087 sqft Living Area
1st Floor Area	2,087 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	8,276 sqft (0.19 acres)
Pool Area	300 sqft
Deck Area	279 sqft

Location & Zoning

Street Address	8398 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 82
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	82
Jurisdiction	COLLIER FL
Township / Civil Division	EVERGLADES
Census Block Group	1
Census Block	1001
Census Tract	11114

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	8398 PALACIO TER S, NAPLES, FL 34114-2588
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage HARBORONE MORTGAGE LLC
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage HARBORONE MORTGAGE LLC
Nov 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage HARBORONE MORTGAGE LLC
Jul 8, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Jun 22, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	20185575726
Deed Book / Page	5525 / 3704
Last Transfer Date	Jun 30, 2022
Transfer Doc	0061501782
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	8398 PALACIO TER S, NAPLES, FL 34114-2588
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WELLESLEY DR, BEDFORD, NH 03110-4531

Mortgage

Document Number	0058503197
Date	Nov 28, 2020
Book Page	5850/3197
Instrument	5960357

Lender

Name	HARBORONE MORTGAGE LLC
Type	Mortgage Company
Address	MANCHESTER, NH 03101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	8398 PALACIO TER S, NAPLES, FL 34114-2588
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057082859
Date	Dec 20, 2019
Book Page	5708/2859
Instrument	5806242

Lender

Name	HARBORONE MORTGAGE LLC
Type	Mortgage Company
Address	MANCHESTER, NH 03101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	8398 PALACIO TER S, NAPLES, FL 34114-2588
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WELLESLEY DR, BEDFORD, NH 03110-4531

Mortgage

Document Number	0058482739
Date	Nov 21, 2020
Book Page	5848/2739
Instrument	5958181

Lender

Name	HARBORONE MORTGAGE LLC
Type	Mortgage Company
Address	MANCHESTER, NH 03101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COLLIER FL
Recording Date	Jul 8, 2022
Property Address	8398 PALACIO TER S, NAPLES, FL 34114-2588
Document Number	0061501782
Book / Page	6150 / 1782
Map Reference	MB 55 PG 1-9
Instrument Date	Jun 30, 2020
Instrument	6279982
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 WELLESLEY DR, BEDFORD, NH 03110-4531

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	16 WELLESLEY DR, BEDFORD, NH 03110-4531

June 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 22, 2018
Property Address	8398 PALACIO TER S, NAPLES, FL 34114-2588
Document Number	0055243704
Book / Page	005524 / 003704
Instrument Date	Jun 11, 2018
Instrument	5575726
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 11, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
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	8398 PALACIO TER S NAPLES FL 341142588, NAPLES, FL 34114-2588

Mortgage

Document Number	55243706
Date	Jun 22, 2018
Book Page	005524/003706
Instrument	5575727

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 21, 2033

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		$722,668 (+8.99%) Land $225,314 Building $497,354	$722,668 (-11.38%) Land $225,314 Building $497,354
2025	$10,109.00 (+12.26%)	$663,078 (+21%)	$815,432 (+22.48%) Land $384,199 Building $431,233
2024	$9,005.00 (-1.14%)
2023	$9,109.00 (+0.91%)	$547,998 (+1%)	$665,783 (+4.08%) Land $148,975 Building $516,808
2022	$9,027.00	$498,180	$639,667 Land $111,144 Building $528,523

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 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 Record 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

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.

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