3190 Cotuit Ln, Naples, FL 34114 Property Records

Collier County property record for 3190 Cotuit Ln, Naples, FL 34114

Property Summary

Property Type	Single Family Home
Details	2,958 sqft · built 2016
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,550,000 (Apr 2022)
Tax Bill	$24,054 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2020 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`292550 D 186B24`

Property Details

APN / Parcel Number

Primary APN	`292550 D 186B24`
Alternative APN	`32431302329`

Interior

Stories	1 Story
Building Area	2,958 sqft Living Area
1st Floor Area	2,958 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Masonry / Concrete Block
Lot Area	14,810 sqft (0.34 acres)
Pool Area	350 sqft
Deck Area	978 sqft

Location & Zoning

Street Address	3190 COTUIT LN
City	NAPLES
State	FL
Zip	34114-9810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIDDLERS CREEK, MARSH COVE, PHASE 1 BLOCK D LOT 18
Legal Range	26
Legal Township	51
Legal Section	24
Legal Subdivision	FIDDLERS CREEK MARSH COVE PH1
Legal Phase	1
Legal Tract	292550
Legal Block	D
Legal Lot Number	18
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	3190 COTUIT LN, NAPLES, FL 34114-9810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Nov 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 23, 2017	Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2022 · Amount on Record
Deed Sale	Apr 28, 2022 · Amount on Record
Prior Sale	May 23, 2017 · Amount on Record
Deed Document Number	20226243053
Deed Book / Page	6118 / 2679
Prior Transfer Date	Nov 20, 2020
Prior Transfer Doc	0058492941
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Apr 28, 2022
Property Address	3190 COTUIT LN, NAPLES, FL 34114-9810
Document Number	0061182679
Book / Page	6118 / 2679
Map Reference	MB 56 PG 7-19
Instrument Date	Apr 15, 2022
Instrument	6243053
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 SAN SALVADOR ST, 101, NAPLES, FL 34113-8640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SAGEWOOD CT, SPARKS GLENCO, MD 21152-9304

Mortgage

Document Number	0061182681
Date	Apr 28, 2022
Instrument	6118/2681

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.3%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.3%
Index	Other
Margin	3
Max Rate	8.3%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 24, 2020
Property Address	3190 COTUIT LN, NAPLES, FL 34114-9810
Document Number	0058492941
Book / Page	005849 / 002941
Instrument Date	Nov 20, 2020
Instrument	5959305
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 COTUIT LN NAPLES FL 341149810, NAPLES, FL 34114-9810

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Nov 24, 2020
Property Address	3190 COTUIT LN, NAPLES, FL 34114-9810
Document Number	0058492943
Book / Page	005849 / 002943
Instrument Date	Nov 20, 2020
Instrument	5959306
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3190 COTUIT LN NAPLES FL 341149810, NAPLES, FL 34114-9810

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 23, 2017
Property Address	3190 COTUIT LN, NAPLES, FL 34114-9810
Document Number	0053972486
Book / Page	5397 / 2486
Map Reference	MB56 PG7
Instrument Date	May 19, 2017
Instrument	5409057
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,470.00
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	2409 HARTLEPOOL LN, MIDLOTHIAN, VA 23113-6700

Mortgage

Document Number	0005409058
Date	May 23, 2017
Instrument	5409058

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$2,012,605 (-4.13%) Land $769,548 Building $1,243,057	$2,012,605 (-4.13%) Land $769,548 Building $1,243,057
2025	$24,054.00 (+2.57%)	$2,099,412 (-15.83%) Land $992,297 Building $1,107,115	$2,099,412 (-15.83%) Land $992,297 Building $1,107,115
2024	$23,451.00 (-14.78%)
2023	$27,517.00 (+84.84%)	$2,494,239 (+101.88%) Land $1,081,159 Building $1,413,080	$2,494,239 (+63.78%) Land $1,081,159 Building $1,413,080
2022	$14,887.00 Homeowner's exemption	$1,235,527	$1,522,943 Land $77,755 Building $1,445,188

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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