6604 Cutty Sark Ln, Naples, FL 34104 Property Records

Collier County property record for 6604 Cutty Sark Ln, Naples, FL 34104

Property Summary

Property Type	Single Family Home
Details	1,478 sqft · built 1992
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Mar 2005)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2019 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`186100 1704B32`

Property Details

APN / Parcel Number

Primary APN	`186100 1704B32`
Alternative APN	`23946010005`

Interior

Stories	1 Story
Building Area	1,478 sqft Living Area
1st Floor Area	1,478 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Masonry / Concrete Block
Lot Area	15,246 sqft (0.35 acres)
Pool Area	378 sqft
Deck Area	635 sqft

Location & Zoning

Street Address	6604 CUTTY SARK LN
City	NAPLES
State	FL
Zip	34104-7807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BERKSHIRE LAKES UNIT #5 LOT 170
Legal Range	26
Legal Township	49
Legal Section	32
Legal Subdivision	BERKSHIRE LAKES UNIT 5
Legal Tract	186100
Legal Block	1
Legal Lot Number	170
Legal Unit	170
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	1
Census Block	1001
Census Tract	10514

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	Individual Name on Record
Mailing Address	6604 CUTTY SARK LN, NAPLES, FL 34104-7807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jan 8, 2019	Loan Modification, Mortgage · Conventional Mortgage SHELLPOINT MTG SVCNG
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD RESID'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2005 · Amount on Record
Deed Sale	Mar 14, 2005 · Amount on Record
Prior Sale	Oct 31, 2000 · Amount on Record
Deed Document Number	20053575349
Deed Book / Page	3752 / 1102
Transfer Doc	2090001789
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	6604 CUTTY SARK LN, NAPLES, FL 34104-7807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 CUTTY SARK LN, NAPLES, FL 34104-7807

Mortgage

Document Number	0058753543
Date	Jan 13, 2021
Book Page	5875/3543
Instrument	5984803

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Sep 1, 2040

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COLLIER FL
Property Address	6604 CUTTY SARK LN, NAPLES, FL 34104-7807
Document Number	0057570960
Instrument Date	Jan 8, 2019
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 CUTTY SARK LN NAPLES FL 341047807, NAPLES, FL 34104-7807

Mortgage

Document Number	0057570960
Date	Apr 29, 2020
Book Page	005757/000960
Instrument	5860997

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Apr 28, 2058

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	6604 CUTTY SARK LN, NAPLES, FL 34104-7807
Document Number	0054031709
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	May 15, 2020
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6604 CUTTY SARK LN NAPLES FL 341047807, NAPLES, FL 34104-7807

Mortgage

Document Number	0054031709
Date	Jun 8, 2017
Book Page	005403/001709
Instrument	5415582

Lender

Name	HOMEWARD RESID'L
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 7, 2032

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		$237,197 (+2.7%)	$455,153 (-18.61%) Land $307,763 Building $147,390
2025	$2,301.00 (+9.31%) Homeowner's exemption	$230,961 (+5.99%)	$559,236 (-9.17%) Land $358,281 Building $200,955
2023	$2,105.00 (-1.27%) Homeowner's exemption	$217,915 (+3%)	$615,685 (+5.12%) Land $396,396 Building $219,289
2022	$2,132.00 Homeowner's exemption	$211,568	$585,699 Land $360,187 Building $225,512

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 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 93 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	181 units insured incl. 88 condo units

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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% 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 343 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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