240 Cuddy Ct, Naples, FL 34103 Property Records

Collier County property record for 240 Cuddy Ct, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	3,069 sqft · built 2011
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,600,000 (Apr 2017)
Tax Bill	$48,644 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`088600 Q 304A21`

Property Details

APN / Parcel Number

Primary APN	`088600 Q 304A21`
Alternative APNs	`13036440003023700Q304` `13036440003`

Interior

Building Area	3,069 sqft Living Area
1st Floor Area	3,069 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Masonry / Concrete Block
Lot Area	12,197 sqft (0.28 acres)
View / Lot	Waterfront
Pool Area	280 sqft
Deck Area	484 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	240 CUDDY CT
City	NAPLES
State	FL
Zip	34103-4062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	MOORINGS UNIT 7 BLK Q LOT 30
Legal Range	25
Legal Township	49
Legal Section	21
Legal Subdivision	MOORINGS UNIT 7
Legal Tract	088600
Legal Block	Q
Legal Lot Number	30
Legal Unit	7
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2002
Census Tract	301

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	240 CUDDY CT, NAPLES, FL 34103-4062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 5, 2017	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2017 · Amount on Record
Deed Sale	Apr 5, 2017 · Amount on Record
Prior Sale	Mar 21, 2011 · Amount on Record
Deed Document Number	20175388084
Deed Book / Page	5380 / 140
Prior Transfer Date	Jan 9, 2001
Prior Transfer Doc	2781002058
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	240 CUDDY CT, NAPLES, FL 34103-4062
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4600 DEVITT DR, WEST CHESTER, OH 45246-1104

Mortgage

Document Number	0060060023
Date	Aug 31, 2021
Book Page	6006/23
Instrument	6121734

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Type Change Date	Sep 1, 2026
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	3.87%
Index	Other
Max Rate	6.87%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 5, 2017
Property Address	240 CUDDY CT, NAPLES, FL 34103-4062
Document Number	0053800140
Book / Page	005380 / 000140
Instrument Date	Apr 3, 2017
Instrument	5388084
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,200.00
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	4800 WILLOW HILLS LN CINCINNATI OH 452434224, CINCINNATI, OH 45243-4224

Mortgage

Document Number	53800142
Date	Apr 5, 2017
Book Page	005380/000142
Instrument	5388085

Lender

Name	BANK OF AMERICA
Type	Bank
Address	700 LOUISIANA ST 4TH, HOUSTON, TX 77002

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 4, 2032

Tax Assessment & Valuation

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Municipality	Naples City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,551,488 (+2.7%)	$6,135,045 (-9.39%) Land $3,359,044 Building $2,776,001
2025	$48,644.00 (+3.71%) Homeowner's exemption	$5,405,538 (+5.99%)	$6,770,886 (-18%) Land $3,359,044 Building $3,411,842
2023	$46,903.00 (-2.77%) Homeowner's exemption	$5,100,189 (+3%)	$8,256,683 (+27.58%) Land $5,430,470 Building $2,826,213
2022	$48,239.00 Homeowner's exemption	$4,951,640	$6,471,639 Land $3,905,701 Building $2,565,938

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 243 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	782 units insured incl. 539 condo units
Nearby Flood Claims	286 (1985–2024)
Claims Outside the SFHA	4 of 286
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 121 claims Hurricane Ian, Sep 2022 · 108 claims Hurricane Irma, Sep 2017 · 24 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	Not rated no burnable land within ember reach

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	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 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	13 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Summit Broadband.

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