4135 Cutlass Ln, Naples, FL 34102 Property Records

Collier County property record for 4135 Cutlass Ln, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	3,606 sqft · built 2002
Lot Size	0.42 acres (18,295 sqft)
Owner	Company Name on Record
Tax Bill	$49,658 (2025)
Deeds & Mortgages	Dec 2018 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`118300 B 45A21`

Property Details

APN / Parcel Number

Primary APN	`118300 B 45A21`
Alternative APN	`16860680007`

Interior

Stories	2 Stories
Building Area	3,606 sqft Living Area
1st Floor Area	3,606 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Masonry / Concrete Block
Lot Area	18,295 sqft (0.42 acres)
Pool Area	800 sqft
Deck Area	42 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	4135 CUTLASS LN
City	NAPLES
State	FL
Zip	34102-7940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	CUTLASS COVE SECT PORT ROYAL BLK B LOT 4
Legal Range	25
Legal Township	50
Legal Section	21
Legal Subdivision	PORT ROYAL/CUTLASS COVE
Legal Tract	118300
Legal Block	B
Legal Lot Number	4
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	4135 CUTLASS LN, NAPLES, FL 34102-7940
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2018	Deed of Trust, Mortgage · ARM US BANK NA
May 17, 2019	Deed of Trust, Mortgage · ARM US BANK NA
May 27, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Dec 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2001
Deed Sale	Aug 31, 2001
Prior Sale	May 1, 2000 · Amount on Record
Deed Book / Page	2884
Last Transfer Date	Jul 29, 2011
Transfer Doc	0055782923
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4135 CUTLASS LN, NAPLES, FL 34102-7940
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055830109
Date	Dec 19, 2018
Book Page	5583/0109
Instrument	5651219

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4135 CUTLASS LN, NAPLES, FL 34102-7940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056310585
Date	May 17, 2019
Book Page	5631/0585
Instrument	5714125

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4135 CUTLASS LN, NAPLES, FL 34102-7940
Document Number	0057683248
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 24286 OVERLAND PARK KS 662834286, OVERLAND PARK, KS 66283-4286

Mortgage

Document Number	0057683248
Date	Jun 1, 2020
Book Page	005768/003248
Instrument	5873329

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 31, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Dec 7, 2018
Property Address	4135 CUTLASS LN, NAPLES, FL 34102-7940
Document Number	0055782923
Book / Page	005578 / 002923
Instrument Date	Jul 29, 2011
Instrument	5645748
Transaction Type	Transfer
Record Updated	Dec 27, 2018
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	4135 CUTLASS LN NAPLES FL 341027940, NAPLES, FL 34102-7940

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		$5,674,139 (+2.7%)	$9,762,996 (+0.52%) Land $5,945,940 Building $3,817,056
2025	$49,658.00 (+2.19%) Homeowner's exemption	$5,524,965 (+5.99%)	$9,712,522 (-11.86%) Land $5,945,940 Building $3,766,582
2024	$48,596.00 (+1.49%)
2023	$47,882.00 (-2.78%) Homeowner's exemption	$5,212,871 (+3%)	$11,018,861 (+19.53%) Land $8,232,840 Building $2,786,021
2022	$49,251.00 Homeowner's exemption	$5,061,040	$9,218,498 Land $6,723,486 Building $2,495,012

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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