4120 Cutlass Ln, Naples, FL 34102 Property Records

Collier County property record for 4120 Cutlass Ln, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	5,334 sqft · built 2001
Lot Size	0.51 acres (22,216 sqft)
Owner	Company Name on Record
Last Sale	$11,500,000 (Jul 2024)
Tax Bill	$101,671 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`118300 B 235A21`

Property Details

APN / Parcel Number

Primary APN	`118300 B 235A21`
Alternative APN	`16861360009`

Interior

Stories	2 Stories
Building Area	5,334 sqft Living Area
1st Floor Area	5,334 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Masonry / Concrete Block
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Pool Area	704 sqft
Deck Area	2,514 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	4120 CUTLASS LN
City	NAPLES
State	FL
Zip	34102-7941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	CUTLASS COVE SECT PORT ROYAL BLK B, A PORTION OF LOTS 23 & 24 AS DESC IN OR 834 PG 95
Legal Range	25
Legal Township	50
Legal Section	21
Legal Subdivision	PORT ROYAL/CUTLASS COVE
Legal Tract	118300
Legal Block	B,A
Legal Lot Number	23
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1006
Census Tract	500

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	Company Name on Record
Mailing Address	4120 CUTLASS LN, NAPLES, FL 34102-7941
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2023	Deed of Trust, Mortgage · Commercial Mortgage NORTHERN BANK & TRUST CO
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN BANK & TRUST CO
Dec 19, 2019	Loan Modification, Mortgage ATTORNEY ONLY
Sep 12, 2018	Trustee's Deed, Construction Loan · Line of Credit NORTHERN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2024 · Amount on Record
Deed Sale	Jul 2, 2024 · Amount on Record
Prior Sale	Aug 7, 2014 · Amount on Record
Deed Document Number	20246566289
Deed Book / Page	6376 / 1420
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4120 CUTLASS LN, NAPLES, FL 34102-7941
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 ATLANTIC AVE 21K, 21K, BOSTON, MA 02210-2257

Mortgage

Document Number	0062373206
Date	Apr 19, 2023
Book Page	6237/3206
Instrument	6391180

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank
Address	WOBURN, MA 01801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4120 CUTLASS LN, NAPLES, FL 34102-7941
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 CUTLASS LN, NAPLES, FL 34102-7941

Mortgage

Document Number	0058700735
Date	Dec 31, 2020
Book Page	5870/735
Instrument	5978976

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank
Address	WOBURN, MA 01801

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	4120 CUTLASS LN, NAPLES, FL 34102-7941
Document Number	0057270254
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	500 ATLANTIC AVE BOSTON MA 022102244, BOSTON, MA 02210-2244

September 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	COLLIER FL
Recording Date	Sep 12, 2018
Property Address	4120 CUTLASS LN, NAPLES, FL 34102-7941
Document Number	0055513893
Book / Page	005551 / 003893
Instrument Date	Sep 7, 2018
Instrument	5611192
Transaction Type	Construction Loan
Record Updated	Sep 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	500 ATLANTIC AVE #21K BOSTON MA 022102257, 21K, BOSTON, MA 02210-2257

Mortgage

Document Number	55513893
Date	Sep 12, 2018
Book Page	005551/003893
Instrument	5611192

Lender

Name	NORTHERN BK
Type	Bank
Address	275 MISHAWUM RD, WOBURN, MA 01801-8805

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 11, 2019

Interest

Rate Type	Adjustable Rate

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		$11,575,690 (+2.7%)	$13,111,294 (+16.32%) Land $8,069,490 Building $5,041,804
2025	$101,671.00 (-10.41%)	$11,271,363 (+12.5%) Land $8,069,490 Building $3,201,873	$11,271,363 (-24.14%) Land $8,069,490 Building $3,201,873
2023	$113,485.00 (+9.01%)	$10,019,427 (+1%)	$14,858,428 (+19.59%) Land $11,173,140 Building $3,685,288
2022	$104,107.00	$9,108,570	$12,424,529 Land $9,124,731 Building $3,299,798

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	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 491 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	491 in force
Nearby Flood Claims	504 (1979–2024)
Claims Outside the SFHA	12 of 504
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 146 claims Hurricane Ian, Sep 2022 · 155 claims Hurricane Irma, Sep 2017 · 60 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	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 97 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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