3245 Cullowee Ln. – #226027073

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3245 Cullowee Ln., Naples, FL 34114

$3,195,000 For Sale

Beds
4
Baths
4½
Sq Ft
3,576
Built
2020

MLS# 226027073 105 days on market

Fees & taxes

Annual fees
$7,024
One-time fees
$35,150
Seller’s 2025 taxes
$19,617

Community

Fiddler’s Creek
Subdivision Marsh Cove

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Listing description

Perfectly positioned to capture breathtaking long lake views, this exceptional newer construction estate home in the prestigious community of Fiddler's Creek offers an extraordinary blend of sophisticated design, timeless elegance, and effortless indoor-outdoor living. Showcasing the highly sought-after Pontevedra floor plan with a striking Coastal elevation, this four-bedroom, four-and-a-half-bath residence with a private den and three-car garage is thoughtfully designed for both refined entertaining and everyday luxury. A dramatic open-concept floor plan is enhanced by soaring vaulted ceilings with custom beam detailing, wide-plank wood-look tile flooring, and expansive pocketing sliding glass doors that seamlessly connect the great room and dining area to the spectacular outdoor living space. Bathed in natural light, every room is designed to maximize the home's tranquil waterfront setting while impact-resistant windows/doors & remote controlled storm shutters provide peace of mind without compromising style. At the heart of the home, the gourmet kitchen is as beautiful as it is functional, featuring an oversized center island, crisp white shaker-style cabinetry, premium KitchenAid stainless steel appliances, and abundant storage. The adjoining dining area creates an inviting space for intimate dinners or grand entertaining. The luxurious owner's suite is a private sanctuary overlooking the shimmering lake, complete with a spacious sitting area and a spa-inspired bath featuring dual vanities, a freestanding soaking tub, an oversized walk-in shower with frameless glass enclosure and dual shower heads, and generous walk-in closets. Designed to embrace Southwest Florida's coveted indoor-outdoor lifestyle, the expansive covered lanai serves as an extension of the home's living space. A custom resort-style pool and spa with a cascading spillover water feature overlook the sparkling lake, while the fully equipped outdoor kitchen creates the perfect setting for alfresco dining, entertaining family and friends, or enjoying spectacular sunset evenings. Numerous interior features including: plantation shutters, upgraded lighting, wine cooler, Kinetico water system, custom designed fireplace, solid core doors and elegant woodwork throughout the home make this a sensational offering. Additional exterior features include a whole home generator for peace of mind, electric car charging station, mini split a/c in garage with beautiful epoxy floors and built-in cabinets. Combining impeccable craftsmanship, designer finishes, and one of Fiddler's Creek's most picturesque waterfront settings, this remarkable residence offers an exceptional lifestyle defined by luxury, comfort, and effortless elegance.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Negotiable
Building style
Ranch, Single Family
Floor plan
Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Tile
Lot size
0.37 acres
Lot description
Cul-De-Sac, Golf Course, Regular

Interior

Features
Built-In Cabinets, Foyer, Smoke Detectors, Vaulted Ceiling(s), Walk-In Closet(s), Window Coverings
Flooring
Carpet, Tile
Cooling
Ceiling Fan(s), Central Electric
Bedroom details
First Floor Bedroom, Master BR Ground, Split Bedrooms
Additional rooms
Den - Study, Great Room, Guest Bath, Guest Room, Laundry in Residence, Open Porch/Lanai, Screened Lanai/Porch

Kitchen & dining

Appliances
Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator/Icemaker, Washer
Dining
Eat-in Kitchen

Outdoor & view

View
Lake
Rear exposure
East
Exterior
Open Porch/Lanai, Screened Lanai/Porch, Built In Grill, Outdoor Kitchen
Storm protection
Impact Resistant Doors, Impact Resistant Windows, Shutters Electric

Parking

Garage
Yes
Car port
No
Spots
3
Description
Attached

Pool & spa

Private pool
Yes
Private spa
Yes
Community pool
Yes
Pool description
Community, Below Ground, Concrete, Equipment Stays, Gas Heat, Screen Enclosure
Spa description
Community, Below Ground, Heated Gas, Screened

Waterfront

Waterfront
Yes
Description
Lake
Gulf access
No
Boat / dock
None

Community amenities

Amenities
Beach Club Available, Bike And Jog Path, Bocce Court, Business Center, Clubhouse, Pool, Community Room, Fitness Center, Hobby Room, Internet Access, Library, Pickleball, Play Area, Private Membership, Restaurant, Sauna, Sidewalk, Streetlight, Tennis Court(s), Underground Utility
Golf
Golf Equity
Elevator
None
Security
Smoke Detector(s), Gated Community

What the fees cover

Maintenance
Cable, Concierge Service, Golf Course, Internet/WiFi Access, Irrigation Water, Lawn/Land Maintenance, Manager, Pest Control Exterior, Pest Control Interior, Rec Facilities, Repairs, Reserve, Security, Sewer, Street Lights, Street Maintenance, Trash Removal, Water

Pets & leasing

Pets allowed
With Approval
Leases per year
3
Minimum lease
30 days
Restrictions
Architectural, Deeded, Limited Number Vehicles, No Commercial, No RV, No Truck

Additional details

Parcel number
32431301401
Potential short sale
No

Listing last updated September 25, 2026

Listing courtesy of Royal Shell Real Estate, Inc. · 239-261-9101

Property taxes for a new owner

Estimated property taxes about $26,200 a year at the county’s value of this home and its 1.04% tax rate, including $7,098 in charges not based on value, no exemptions applied

On the county’s 2026 roll, the seller’s bill is about $19,800, lower because of a homestead exemption and a capped assessment, which end when the home sells.

If you make this home your primary residence, a homestead exemption would lower this figure. If you have also had a Florida homestead in any of the last three years, you may be able to carry up to $500,000 of its capped-value savings to this home, which Florida calls “portability.” Both are applied for with the Property Appraiser by March 1.

How a new owner’s property taxes are set is explained in the Costs & Taxes chapter of the 2027 Naples Buyer’s Guide.

Estimated from the Collier County Property Appraiser’s 2026 value of this home and its tax rate, plus its 2025 charges not based on value from the Collier County Tax Collector’s roll. The county sets a new value each January 1, so a new owner’s first full bill can differ.

Destinations & driving times from 3245 Cullowee Ln

Every destination named here is described in the Destinations chapter of the 2027 Naples Buyer’s Guide.

Driving times are estimated from this home’s location, using OpenStreetMap road data.

Dining & Shopping near 3245 Cullowee Ln. – #226027073, by driving distance
NameMilesETA
Fifth Avenue South 14.2 mi 29 min
Third Street South 15.3 mi 32 min
Coastland Center 16.3 mi 34 min
Venetian Village 18.4 mi 38 min
Waterside Shops 19.3 mi 39 min
Galleria Shoppes at Vanderbilt 20.3 mi 40 min
Mercato 22.1 mi 43 min
Miromar Outlets 35.2 mi 53 min
Coconut Point 35.9 mi 56 min
Gulf Coast Town Center 39.5 mi 57 min

Flood zones & evacuation

Two different things, measured by two different agencies. Evacuation zones are about storm surge and who leaves first. Flood zones are FEMA’s insurance rating, and they vary from home to home.

Hurricane evacuation zone

Zone A Collier

The first zone ordered to evacuate, and the one called in the weakest storms.

Called firstCalled last
FEMA flood zone

Zone AE

1% annual chance, with a set base flood elevation

The lot is inside a Special Flood Hazard Area, where a federally backed mortgage requires flood insurance.

FEMA flood maps and Collier County Emergency Management. A revised Collier County flood map is in preparation and may change these zones.

A starting point, not a determination. Your lender will require its own flood zone determination before closing, and your insurer will normally require an elevation certificate — a surveyor’s measurement of how high the building actually sits — before quoting. Those documents govern; this does not replace either. Zones can also be amended individually through FEMA.

Flood zones, evacuation, and insurance are explained in the Risk, Resilience & Insurance chapter of the 2027 Naples Buyer’s Guide.

Flood zones across Fiddler’s Creek

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

Call (239) 450-3763 Text (239) 450-3763

Florida License SL3295589

“By far, Jeff has been the best.”
Ray & Diane Kolodziej

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