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Single Family ResidenceResidential
$5,225,441$1,714 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $3,700,000 on Jun 1, 2022

540 RIDGE DR

NAPLES, FL 34108
0
Baths
3,048 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.32 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$5.2M
$4.6M low$5.9M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$3,700,000 · Jun 1, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$2,265,441
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$1,812,353
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.64%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$2,960,000
FIFTH THIRD BANK NA · 3.87% 1 · recorded Aug 16, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$34,249 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$3,552,088 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,466,574
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,085,514
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,614,909
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$3,552,088

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.64 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.63%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCollier
Lot (acres)The size of the land the home sits on, from county records.1.32
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Pine Ridge Middle SchoolA
Middle · Grades 6–8 · 1.7 mi
E
Sea Gate Elementary SchoolA+
Elementary · Grades KG–5 · 2.0 mi
H
Barron Collier High SchoolA
High · Grades 9–12 · 2.5 mi

District: Collier County School District

Neighborhood · ZIP 34108These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.57%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.35%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.18,299
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,930 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$135,127
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$188,118
Average tempThe average temperature here across a full year.74°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

540 Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Collier County
  • Costs more per square foot than 98% of homes in Collier County
  • Bigger than 92% of homes in Collier County
  • Has a bigger lot than 95% of homes in Naples 34108
  • Newer than 94% of homes in Naples 34108

What homes are worth in Naples 34108

Each bar is how many homes fall in that price range. The marker is this home.

This home
$339K$7M

This home is worth more than 94% of homes in Naples 34108.

How it measures up in Naples 34108

The dot is this home. The mark in the middle is the typical home in Naples 34108.

Estimated value$5,225,441
CheaperTypical $1,107,662Pricier

Pricier than 94% of homes nearby

Price per ft²$1714
CheaperTypical $674Pricier

Pricier than 96% of homes nearby

Living area3,048 ft²
SmallerTypical 1,703 ft²Bigger

Bigger than 87% of homes nearby

Lot size1.32 ac
SmallerTypical 0.15 acBigger

Bigger than 95% of homes nearby

Year built2006
OlderTypical 1990Newer

Newer than 94% of homes nearby

How 540 Ridge Dr ranks against every home in each area.
MeasureThis homePine RidgeNaples 34108Collier County
Estimated valuepricier than$5,225,44183% of homes94% of homesalmost all homes
Price per ft²pricier than$171495% of homes96% of homes98% of homes
Living areabigger than3,048 ft²65% of homes87% of homes92% of homes
Lot sizebigger than1.32 ac62% of homes95% of homes88% of homes
Year builtnewer than200685% of homes94% of homes77% of homes

About 540 Ridge Dr

How much is 540 Ridge Dr, Naples, FL worth?

The TopHap Estimate for 540 Ridge Dr, Naples, FL is $5,225,441 as of Jul 14, 2026. The likely range is $4,576,859 to $5,874,023. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Ridge Dr, Naples, FL last sell?

540 Ridge Dr, Naples, FL last sold on Jun 1, 2022 for $3,700,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 540 Ridge Dr, Naples, FL?

540 Ridge Dr, Naples, FL has 3,048 square feet of living space and a 1.32-acre lot.

When was 540 Ridge Dr, Naples, FL built?

540 Ridge Dr, Naples, FL was built in 2006, making it 20 years old. The building has 2 stories.

What schools serve 540 Ridge Dr, Naples, FL?

540 Ridge Dr, Naples, FL is assigned to Pine Ridge Middle School (middle), rated A; Sea Gate Elementary School (elementary), rated A+; Barron Collier High School (high), rated A. All sit in Collier County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Ridge Dr, Naples, FL compare to other homes in Naples 34108?

Among the 14,200 homes in Naples 34108, it is worth more than 94% of them ($5,225,441 against a typical $1,107,662), its price per square foot is higher than 96% of them ($1714 against a typical $674), it is bigger than 87% of them (3,048 ft² against a typical 1,703 ft²), its lot is bigger than 95% of them (1.32 ac against a typical 0.15 ac) and it is newer than 94% of them (2006 against a typical 1990). Measured against all of Collier County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 540 Ridge Dr, Naples, FL?

The 2024 property tax bill for 540 Ridge Dr, Naples, FL was $34,249. The county assessed it at $3,552,088.

Closest homes

More homes in Naples 34108

Assigned schools

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