4296 Cutlass Ln, Naples, FL 34102 Property Records

Collier County property record for 4296 Cutlass Ln, Naples, FL 34102

Property Summary

Property Type	Single Family Home
Details	9,375 sqft · built 2017
Lot Size	1.58 acres (69,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,000,000 (Jan 2026)
Tax Bill	$262,850 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Sale + 4 more
Flood Zone	Zone X (moderate risk)
APN	`118300 B 165A21`

Property Details

APN / Parcel Number

Primary APN	`118300 B 165A21`
Alternative APNs	`16861160005031200B165` `16861160005`

Interior

Stories	2 Stories
Building Area	9,375 sqft Living Area
Gross Area	9,440 sqft
1st Floor Area	9,375 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Masonry / Concrete Block
Lot Area	69,260 sqft
Garage Type	Attached
Garage Area	65 sqft
Pool Area	300 sqft
Deck Area	80 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	4296 CUTLASS LN
City	NAPLES
State	FL
Zip	34102-7942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	CUTLASS COVE SECT PORT ROYAL BLK B N1/2 OF LOT 16 + LOT 17, LOT 18, AND THE SLY 1/2 OF LOT 19, AND THE PORT OF LOT 19 DESC AS FOLL: COMM NE CNR LOT 19, SELY 21FT TO POB, S82DEGW 241.89FT, SELY ALG CRV 29.83FT, N79DEGE 241.66FT, NWLY 19FT ALG CRV TO P
Legal Range	25
Legal Township	50
Legal Section	21
Legal Subdivision	PORT ROYAL/CUTLASS COVE
Legal Tract	118300
Legal Block	B
Legal Lot Number	16
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1006
Census Tract	500

Owner

Source: Collier County records, as of October 12, 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	440 SPRING LINE DR, NAPLES, FL 34102-5057
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK
Jan 15, 2026	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 15, 2026	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
May 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Aug 1, 2018	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	May 7, 2013 · Amount on Record
Deed Document Number	20266774792
Deed Book / Page	6545 / 2956
Prior Transfer Date	Jan 12, 2025
Prior Transfer Doc	0065452952
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Recording Date	Jul 23, 2026
Property Address	4296 CUTLASS LN, NAPLES, FL 34102-7942
Document Number	0006854177
Book / Page	6612 / 3159
Instrument Date	Jul 17, 2026
Instrument	20266854177
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4296 CUTLASS LN, NAPLES, FL 34102-7942

Mortgage

Document Number	0006854177,
Date	Jul 23, 2026
Book Page	6612/3159
Instrument	20266854177

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 15, 2026
Property Address	4296 CUTLASS LN, NAPLES, FL 34102-7942
Document Number	0065452956
Book / Page	6545 / 2956
Map Reference	MB 1 PG 101
Instrument Date	Jan 13, 2026
Instrument	6774792
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 N COLLIER BLVD, MARCO ISLAND, FL 34145-3011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 SPRING LINE DR, NAPLES, FL 34102-5057

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COLLIER FL
Recording Date	Jan 15, 2026
Property Address	4296 CUTLASS LN, NAPLES, FL 34102-7942
Document Number	0065452952
Book / Page	6545 / 2952
Map Reference	MB 1 PG 101
Instrument Date	Jan 12, 2025
Instrument	6774791
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	229 N COLLIER BLVD, MARCO ISLAND, FL 34145-3011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 SPRING LINE DR, NAPLES, FL 34102-5057

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4296 CUTLASS LN, NAPLES, FL 34102-7942
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061321774
Date	May 26, 2022
Book Page	6132/1774
Instrument	6258610

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	HOUSTON, TX 77046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2037

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	Mar 19, 2019
Property Address	4296 CUTLASS LN, NAPLES, FL 34102-7942
Document Number	0056082862
Book / Page	005608 / 002862
Instrument Date	Mar 18, 2019
Instrument	5685572
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,733.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	4296 CUTLASS LN NAPLES FL 341027942, NAPLES, FL 34102-7942

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	4296 CUTLASS LN, NAPLES, FL 34102-7942
Document Number	0055403516
Instrument Date	Aug 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4296 CUTLASS LN NAPLES FL 341027942, NAPLES, FL 34102-7942

Mortgage

Document Number	0055403516
Date	Aug 7, 2018
Book Page	005540/003516
Instrument	5596534

Lender

Name	BANK OF AMERICA
Type	Bank
Address	20 GREENWAY PLZ # 900, HOUSTON, TX 77046-2007

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 6, 2033

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		$40,805,941 (+40.33%) Land $22,482,525 Building $18,323,416	$40,805,941 (+0.69%) Land $22,482,525 Building $18,323,416
2025	$262,850.00 (+2.18%) Homeowner's exemption	$29,078,420 (+5.99%)	$40,525,609 (-11.28%) Land $22,482,525 Building $18,043,084
2024	$257,248.00 (+1.47%)
2023	$253,527.00 (-2.8%) Homeowner's exemption	$27,435,837 (+3%)	$45,680,458 (+18.27%) Land $31,129,650 Building $14,550,808
2022	$260,828.00 Homeowner's exemption	$26,636,735	$38,622,552 Land $25,422,548 Building $13,200,004

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 95% 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.

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