8402 Palacio Ter S, Naples, FL 34114 Property Records

Collier County property record for 8402 Palacio Ter S, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	2,313 sqft · built 2017
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$587,392 (Sep 2017)
Tax Bill	$6,851 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`281750 835B23`

Property Details

APN / Parcel Number

Primary APN	`281750 835B23`
Alternative APN	`31347852867`

Interior

Stories	1 Story
Building Area	2,313 sqft Living Area
1st Floor Area	2,313 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	234 sqft
Deck Area	549 sqft

Location & Zoning

Street Address	8402 PALACIO TER S
City	NAPLES
State	FL
Zip	34114-2589
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPLANADE AT HACIENDA LAKES PHASE ONE LOT 83
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	83
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8402 PALACIO TER S, NAPLES, FL 34114-2589
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Sep 1, 2017	Grant Deed, Transfer · Conventional Mortgage FIRST FED'L BK/KANSAS CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2017 · Amount on Record
Deed Sale	Sep 1, 2017 · Amount on Record
Deed Document Number	20175447711
Deed Book / Page	5431 / 920
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	8402 PALACIO TER S, NAPLES, FL 34114-2589
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8402 PALACIO TER S, NAPLES, FL 34114-2589

Mortgage

Document Number	0060460243
Date	Nov 23, 2021
Book Page	6046/243
Instrument	6163746

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 1, 2017
Property Address	8402 PALACIO TER S, NAPLES, FL 34114-2589
Document Number	0054310920
Book / Page	005431 / 000920
Instrument Date	Aug 13, 2017
Instrument	5447711
Transaction Type	Transfer
Record Updated	Sep 29, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,111.00
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	8402 PALACIO TER S NAPLES FL 341142589, NAPLES, FL 34114-2589

Mortgage

Document Number	54310922
Date	Sep 1, 2017
Book Page	005431/000922
Instrument	5447712

Lender

Name	FIRST FED'L BK/KANSAS CITY
Address	KANSAS CITY, MO 64120

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 31, 2032

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		$467,118 (+2.7%)	$748,061 (-9.33%) Land $225,314 Building $522,747
2025	$6,851.00 (-1.71%) Homeowner's exemption	$454,837 (+5.99%)	$825,059 (+21.58%) Land $384,199 Building $440,860
2023	$6,970.00 (-1.36%) Homeowner's exemption	$429,144 (+3%)	$678,600 (+3.93%) Land $148,975 Building $529,625
2022	$7,066.00 Homeowner's exemption	$416,645	$652,957 Land $111,144 Building $541,813

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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