8491 Palacio Ter N, Naples, FL 34114 Property Records

Collier County property record for 8491 Palacio Ter N, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	1,904 sqft · built 2017
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$392,288 (Jun 2017)
Tax Bill	$9,976 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`281750 415B23`

Property Details

APN / Parcel Number

Primary APN	`281750 415B23`
Alternative APN	`31347852029`

Interior

Stories	1 Story
Building Area	1,904 sqft Living Area
1st Floor Area	1,904 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	10,019 sqft (0.23 acres)
Deck Area	200 sqft

Location & Zoning

Street Address	8491 PALACIO TER N
City	NAPLES
State	FL
Zip	34114-2579
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPLANADE AT HACIENDA LAKES PHASE ONE LOT 41
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	41
Jurisdiction	COLLIER FL
Township / Civil Division	EVERGLADES
Census Block Group	1
Census Block	1001
Census Tract	11114

Owner

8491 Palacio Ter N is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	8491 PALACIO TER N, NAPLES, FL 34114-2579
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
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 2, 2017	Grant Deed, Transfer · Conventional Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2017 · Amount on File
Deed Sale	Jun 2, 2017 · Amount on File
Deed Document Number	20175413221
Deed Book / Page	5401 / 1360
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	8491 PALACIO TER N, NAPLES, FL 34114-2579
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060210060
Date	Oct 4, 2021
Book Page	6021/60
Instrument	6137255

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Sep 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	8491 PALACIO TER N, NAPLES, FL 34114-2579
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057422034
Date	Mar 23, 2020
Book Page	5742/2034
Instrument	5846062

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COLLIER FL
Recording Date	Jun 2, 2017
Property Address	8491 PALACIO TER N, NAPLES, FL 34114-2579
Document Number	0054011360
Book / Page	005401 / 001360
Instrument Date	May 30, 2017
Instrument	5413221
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,746.00
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	8491 PALACIO TER N NAPLES FL 341142579, NAPLES, FL 34114-2579

Mortgage

Document Number	54011362
Date	Jun 2, 2017
Book Page	005401/001362
Instrument	5413222

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 8491 Palacio Ter N was $9,976 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		$568,118 (-26.97%) Land $237,472 Building $330,646	$568,118 (-26.97%) Land $237,472 Building $330,646
2025	$9,976.00 Homeowner's exemption	$777,881 Land $431,244 Building $346,637	$777,881 Land $431,244 Building $346,637
2023	$6,163.00 (-1.28%) Homeowner's exemption	$381,461 (+3%)	$520,370 (-3.64%) Land $103,019 Building $417,351
2022	$6,243.00 Homeowner's exemption	$370,350	$540,030 Land $113,202 Building $426,828

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

Flood

FEMA maps place 8491 Palacio Ter N 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 8491 Palacio Ter N 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.

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