3181 Cullowee Ln, Naples, FL 34114 Property Records

Collier County property record for 3181 Cullowee Ln, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	3,576 sqft · built 2021
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,035,000 (Oct 2023)
Tax Bill	$21,567 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`292550 C 166B24`

Property Details

APN / Parcel Number

Primary APN	`292550 C 166B24`
Alternative APN	`32431301663`

Interior

Building Area	3,576 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Masonry / Concrete Block
Lot Area	21,344 sqft (0.49 acres)
Pool Area	456 sqft
Deck Area	1,015 sqft

Location & Zoning

Street Address	3181 CULLOWEE LN
City	NAPLES
State	FL
Zip	34114-9750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIDDLERS CREEK, MARSH COVE, PHASE 1 BLOCK C LOT 16
Legal Range	26
Legal Township	51
Legal Section	24
Legal Subdivision	FIDDLERS CREEK MARSH COVE PH1
Legal Phase	1
Legal Tract	292550
Legal Block	C
Legal Lot Number	16
Jurisdiction	COLLIER FL
Township / Civil Division	EVERGLADES
Census Block Group	3
Census Block	3009
Census Tract	11111

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	3181 CULLOWEE LN, NAPLES, FL 34114-9750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
May 15, 2023	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Aug 9, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 13, 2021	Special Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023 · Amount on Record
Deed Sale	Oct 27, 2023 · Amount on Record
Prior Sale	May 13, 2021 · Amount on Record
Deed Document Number	20236469836
Deed Book / Page	6300 / 2944
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Oct 27, 2023
Property Address	3181 CULLOWEE LN, NAPLES, FL 34114-9750
Document Number	0063002944
Book / Page	6300 / 2944
Map Reference	MB 56 PG 7
Instrument Date	Oct 25, 2023
Instrument	6469836
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15850 GREY FRIARS CT, FORT MYERS, FL 33912-3906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 CULLOWEE LN, NAPLES, FL 34114-9750

Mortgage

Document Number	0063002946
Date	Oct 27, 2023
Instrument	6300/2946

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Max Rate	11.2%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3181 CULLOWEE LN, NAPLES, FL 34114-9750
Transaction Type	Mortgage
Record Updated	May 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 CULLOWEE LN, NAPLES, FL 34114-9750

Mortgage

Document Number	0062470586
Date	May 15, 2023
Book Page	6247/586
Instrument	6402984

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COVINGTON, KY 41012

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 10, 2043

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	3181 CULLOWEE LN, NAPLES, FL 34114-9750
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 CULLOWEE LN, NAPLES, FL 34114-9750

Mortgage

Document Number	0061613843
Date	Aug 9, 2022
Book Page	6161/3843
Instrument	6294106

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 13, 2021
Property Address	3181 CULLOWEE LN, NAPLES, FL 34114-9750
Document Number	0059461046
Book / Page	5946 / 1046
Map Reference	MB 56 PG 7-19
Instrument Date	May 6, 2021
Instrument	6058016
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,083.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1064 GREENWOOD BLVD STE 124, 1064, LAKE MARY, FL 32746-5419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 GUILOWEE LANE, NAPLES, FL 34114

Mortgage

Document Number	0059461048
Date	May 13, 2021
Instrument	5946/1048

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.1%
Index	1-Year LIBOR
Max Rate	8.1%

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		$1,896,539 (-0.34%) Land $914,551 Building $981,988	$1,896,539 (-20.25%) Land $914,551 Building $981,988
2025	$21,567.00 (+33.79%) Homeowner's exemption	$1,902,992 (+33.21%)	$2,378,204 (-14.3%) Land $1,400,890 Building $977,314
2023	$16,120.00 (-2.58%) Homeowner's exemption	$1,428,574 (+3%)	$2,775,068 (+100.08%) Land $1,526,342 Building $1,248,726
2022	$16,547.00 Homeowner's exemption	$1,386,965 Land $109,771 Building $1,277,194	$1,386,965 Land $109,771 Building $1,277,194

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	7.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 429 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	705 units insured incl. 276 condo units
Nearby Flood Claims	2 (2024–2026)
Most Recent Claim	Mar 2026 · other causes

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	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 112 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

Cell Coverage

5G (outdoors only) and 4G LTE

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