Collier County property record for 190 Sunset Cay, Naples, FL 34114
| Property Type | Single Family Home |
|---|---|
| Details | 1,800 sqft · built 2021 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $110,000 (Jun 2020) |
| Tax Bill | $12,492 (2025) |
| Deeds & Mortgages | Oct 2020 Construction Loan Jun 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 571300 757D09 |
| Primary APN | 571300 757D09 |
|---|---|
| Alternative APN |
|
| Building Area | 1,800 sqft Living Area |
|---|
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 14,375 sqft (0.33 acres) |
| Pool Area | 288 sqft |
| Deck Area | 702 sqft |
| Street Address | 190 SUNSET CAY |
|---|---|
| City | NAPLES |
| State | FL |
| Zip | 34114-9609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-4 |
| Legal Description | PORT OF THE ISLANDS (THE CAYS) PHASE II LOT 75 |
| Legal Range | 28 |
| Legal Township | 52 |
| Legal Section | 9 |
| Legal Subdivision | PORT OF THE ISLANDS (THE CAYS) PHASE II |
| Legal Phase | 2 |
| Legal Tract | 571300 |
| Legal Block | 1 |
| Legal Lot Number | 75 |
| Jurisdiction | COLLIER FL |
| Township / Civil Division | EVERGLADES |
| Census Block Group | 1 |
| Census Block | 1162 |
| Census Tract | 11113 |
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 | 465 ACCESS DR, YOUNGSVILLE, NC 27596-7996 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2020 | Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU |
| Jun 8, 2020 | Warranty Deed, Transfer · Conventional with PMI LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2020 · Amount on Record |
| Deed Sale | Jun 8, 2020 · Amount on Record |
| Prior Sale | May 8, 2009 · Amount on Record |
| Deed Document Number | 20205876746 |
| Deed Book / Page | 5772 / 342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLLIER FL |
| Property Address | 190 SUNSET CAY, NAPLES, FL 34114-9609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 8139 MONTICELLO CT, NAPLES, FL 34104-6545 |
| Document Number | 0058372861 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 5837/2861 |
| Instrument | 5946337 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLLIER FL |
| Recording Date | Jun 8, 2020 |
| Property Address | 190 SUNSET CAY, NAPLES, FL 34114-9609 |
| Document Number | 0057720342 |
| Book / Page | 005772 / 000342 |
| Instrument Date | Jun 1, 2020 |
| Instrument | 5876746 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | NAPLES TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $770.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1347 KENDARI TER NAPLES FL 341138485, NAPLES, FL 34113-8485 |
| Document Number | 57720344 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 005772/000344 |
| Instrument | 5876747 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
Source: Collier County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Collier County |
| Unified School District | Collier County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $870,972 (+2.58%) Land $369,890 Building $501,082 | $870,972 (-17.73%) Land $369,890 Building $501,082 | |
| 2025 | $12,492.00 (-5.73%) | $849,094 (+21%) | $1,058,647 (-14.59%) Land $369,890 Building $688,757 |
| 2023 | $13,252.00 (+11.93%) | $701,731 (+1%) | $1,239,560 (+32.8%) Land $749,450 Building $490,110 |
| 2022 | $11,840.00 | $637,937 | $933,388 Land $423,077 Building $510,311 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 226 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 646 units insured incl. 420 condo units |
| Nearby Flood Claims | 12 (2017–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 90% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PORT OF THE ISLANDS private · serves 1,200 people · EPA ID FL5110230 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Thallium resolved · Apr 2024 Arsenic resolved · Apr 2024 Antimony resolved · Apr 2024 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| CenturyLink DSL | 60 / 5 |
| AT&T Fixed Wireless | 25 / 3 |
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