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43250 Water Bird WAY, Punta Gorda, FL 33982

  • $395,000

43250 Water Bird WAY, Punta Gorda, FL 33982

  • $395,000

Overview

  • 2026015339
    Property ID
  • Low Rise (1-3), Residential
    Property Type
  • 3
    Bedrooms
  • 2
    Bathrooms
  • 2
    Garages
  • 1917 Sqft
    Area Size
  • 2024
    Year Built

Description

Welcome to your new home in Babcock National. This Arrowhead coach home gives you 3 bedrooms, 2 full bathrooms, and a 2-car garage w/ epoxy flooring. What separates this unit from others on the market is the rare trifecta of floor-level convenience, pristine condition, and an elite lakefront position. While many coach homes in Babcock require navigating stairs to a second floor, this ground-level unit offers effortless "walk-in, walk-out" access. As we step through the private entryway of this home, you’re immediately greeted by a sense of modern living with a sealed tile flooring throughout. The foyer opens into a wide, airy great room where the high ceilings and natural light lead your eyes straight through the heart of the home toward the water views out back. It feels like an extension of your living room. Moving into the main living area, you’ll notice how the open-concept design makes the 1,741 square feet feel incredibly expansive. To your left, the chef’s kitchen is anchored by a massive quartz island along with stainless steel appliances, an updated LG fridge and a gas cooktop! Notice the walk-in pantry and ample cabinet storage too—there’s a place for everything here. As we pivot past the living area, towards the rear of the home, you are led to the primary bedroom. In here are large windows that frame the water and a spa-inspired ensuite with a walk-in shower, dual vanities, updated vanity lights and vent. The sliding glass doors not only give this room plenty of light but also gives access to your screened in and tiled lanai with a removable deck flooring on top! There's even a sun shade on the east side of your lanai. Out there, you have endless opportunities to sit back and enjoy private views of the glistening lake & meticulously maintained golf course. Heading back inside and to the opposite side of the home, the two guest bedrooms are generously sized and share a beautifully appointed second bath, ensuring your visitors have plenty of their own space. In that same hallway is also where your laundry room and garage access is. Sellers even added updated ceiling fixtures throughout the home! Like the furniture?? It's included in the sale but also available unfurnished as well. While many units in the community deal with the "through-traffic" of residents heading to different phases, this condo is situated on a quiet cul-de-sac. Adding to that exclusivity is the proximity to the satellite pool. While the resort-style pool are fantastic for a full day of activity, having a satellite pool just steps from your front door is a game-changer. Babcock National amenities include a resort-style pool with lap lanes & a spa, pickleball & bocce courts, a fitness center, tennis center, open-air tiki bar/restaurant and the classic clubhouse with an upscale dining experience. You can even play the 18-hole championship course out of season or as a guest of a member! (this condo does not have the golf membership) Come check out the Babcock lifestyle!

Asking Price
Bedrooms
Bathrooms
Sq Ft
Type
Year Built
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Property Details
Listing Info
Status
List Price
Property ID
County
Year Built
Land Area
Rooms & Parking
Bedrooms
Bathrooms
Garages
Living Area
HOA / Month
Parking
Construction
Style
Roof
Flooring
Cooling
Heating
Pool
Community & Setting
Waterfront
Property Type
Features
Insurance Cost Estimator

What Will You Pay to Insure This Property?

Annual insurance estimates for this ZIP code, property type, and price tier. SWFL-specific breakdown.

Estimated Total Annual Insurance
All coverages combined estimate
Monthly Reserve
Risk Factors for This Property
Wind Zone
Flood Zone (typical)
Hurricane Exposure
Roof Age ImpactSignificant — verify age
Citizens Eligibility
Post-Ian MarketRates elevated 30–60% vs 2021
Active Carriers in This Market
Citizens Property Insurance
Florida's insurer of last resort. Available if private market declines. Strict eligibility rules post-2023 reforms.
Universal Property & Casualty
One of the largest private carriers still writing in SWFL. Rates have increased significantly since Ian.
Florida Peninsula Insurance
Active in Collier and Lee County. Competitive for newer construction homes.
Security First Financial
Writing policies in SWFL. Strong for homes with impact windows and newer roofs.
Chubb / AIG (Luxury tier)
For homes above $1M. Offers agreed-value policies and broader coverage. Rates are higher but coverage is more comprehensive.
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Impact Windows = Lower PremiumVerified impact-rated windows and doors can reduce wind premium by 15–30%. Always request the wind mitigation credit report from seller.
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Roof Age is CriticalMost SWFL carriers will not write policies on roofs over 15 years old. A roof over 10 years old triggers higher premiums. Request permit history before making an offer.
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Elevation Certificate Saves MoneyFor flood insurance, an elevation certificate showing the home is above Base Flood Elevation can cut NFIP premiums by 50% or more.
Get Quotes Before ClosingIn SWFL's current market, insurance quotes must be in hand before removing financing contingencies. Some homes in high-risk zones cannot be insured at any reasonable price.
Insurance estimates are ranges based on current SWFL market conditions, ZIP code risk profiles, property type, and price tier. Actual premiums depend on specific carrier, coverage selections, roof age, construction type, wind mitigation credits, elevation certificate, and claims history. These are estimates only — not quotes. Always obtain binding quotes from licensed Florida insurance agents before closing. The SWFL insurance market has been volatile since Hurricane Ian (2022) and rates continue to change. Estimates reflect approximate 2024-2025 market conditions.
HOA Deep Dive

What Does the HOA Actually Cost — and Cover?

Your true monthly payment goes well beyond the mortgage. Here's the full picture including HOA, taxes, and insurance.

Purchase Price
$
HOA / Month
$
Interest Rate
%
Down Payment
%
Monthly CostMonthlyAnnual
Monthly Payment Breakdown
Mortgage Only vs True Monthly Cost
What HOA Fees Typically Cover in This Price Range
HOA fee is sourced from MLS listing data. Tax estimate uses Collier/Lee County effective millage rates applied to purchase price. Insurance estimate is based on ZIP code risk profile. Actual costs vary — always request the HOA's current budget, reserve study, and financials before closing. Buyers have a right to review HOA documents during the inspection period.
Property Tax Estimate

Estimated Annual Property Tax — This Property

Based on Collier County millage rates and Florida exemption rules.

Estimated Annual Tax
Without homestead exemption
Monthly Tax Reserve
Budget this for escrow
Effective Tax Rate
Collier County
Millage Rate
Per $1,000 assessed value
Florida Tax Exemptions Available
Homestead Exemption
$50,000 off assessed value for primary Florida residence. First $25K applies to all taxes; second $25K applies to non-school levies.
Non-primary
Save Our Homes Cap
Once homestead is established, annual assessed value increases are capped at 3% or CPI — whichever is lower. Massive long-term savings.
If primary
No State Income Tax
Florida has no personal income tax. For high-net-worth buyers relocating from NY, NJ, or CT, this often offsets property tax entirely.
Always applies
Senior / Disability Exemptions
Additional exemptions available for residents 65+ with income below county threshold, and for certain disabilities. County-specific.
Income-based
Tax Breakdown by Millage District
Collier County General
School Board (state)
School Board (local)
Water Management District
City of Naples (if applicable)
Special Districts / Other
Estimated Annual Total
Tax Scenarios
No Exemption
Investment / second home / new buyer first year
With Homestead
Primary Florida residence, $50K assessed value reduction
After 5 Years SOH
Save Our Homes cap — estimated if market rises 5%/yr
New York Comparison
Equivalent NY effective rate ~1.7% — FL is lower
Estimates use Collier County Property Appraiser published millage rates for tax year 2024. Assessed value for a new purchase is typically set near the purchase price in the first year; subsequent years are subject to Save Our Homes caps if homestead is established. This is an estimate only — not a tax bill. Verify current millage rates and exemption eligibility with the Collier County PAO and a qualified tax advisor.
What's Nearby

Around this property

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Drive Time Analysis

How Far Is Everything from This Property?

Real drive times calculated from this address — not straight-line distance.

Downtown Naples
min
5th Avenue South
Dining, galleries & boutiques
RSW Airport
min
SW Florida Intl Airport
Fort Myers — nearest major airport
Luxury Shopping
min
Mercato
Dining, Whole Foods & boutiques
Top Hospital
min
NCH Baker Hospital
Naples Community Health — Level II
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Gulf Beach
min
Naples Beach (Gulf Shore Blvd)
🛒
Whole Foods
min
Whole Foods Naples
Naples Airport
min
Naples Municipal (APF)
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Tiburón Golf
min
Tiburón at Ritz-Carlton
Drive times calculated using OSRM open-source routing via OpenStreetMap road network data. Times reflect typical driving conditions and may vary with traffic. Distances shown in miles.
True Cost of Ownership

What Will This Home Actually Cost Over 5 & 10 Years?

Beyond the mortgage — taxes, insurance, HOA, maintenance, and projected equity. Pre-filled from this listing.

Purchase Price
$
Down Payment
%
Interest Rate
%
HOA / Month
$
5-Year View
10-Year View
Equity & Appreciation
Cost CategoryAnnualYear 3Year 55-Yr Total
5-Year Cost Breakdown by Category
Cost CategoryAnnualYear 5Year 1010-Yr Total
10-Year Cost Breakdown by Category
Scenario5-Year Equity10-Year Equity
Equity Growth vs Total Cost Paid — Naples Historical Avg (~5%/yr)
True cost of ownership calculations are estimates based on inputs provided and SWFL market averages. Mortgage P&I uses standard amortization. Property tax uses the effective rate at purchase price. Insurance uses ZIP-based estimates. Maintenance reserve is set at 1% of purchase price annually — a conservative industry standard. HOA fees are pre-filled from MLS data where available. Appreciation scenarios are illustrative — Naples has averaged approximately 5% annual appreciation over the past 10 years but past performance does not guarantee future results. This calculator is for planning purposes only and is not a financial guarantee.
Neighborhood Profile

Who Lives Here — and What Has the Market Done?

Demographics and 5-year price trends for this area. Key data for buyers relocating from the Northeast.

DemographicThis ZIPFL Avg
Household Income Distribution
Median Home Price — 5-Year History
Where Buyers Are Coming From — Top States Moving to SWFL
Demographic data is sourced from U.S. Census Bureau American Community Survey (ACS) 5-year estimates and USPS migration data. Median home prices are based on SWFL MLS closed sales data and Zillow Research ZIP-level estimates. Migration data sourced from IRS SOI migration patterns and Florida Department of Revenue. All figures are estimates and may not reflect the most current market conditions. For current market data, contact Scott Cowan for a full market analysis.
Listing History

Days on Market & Price History

Listing activity for this property.

Days on market and price history are sourced from MLS data fields available on this page. For closed or off-market listings, full history may not be available in the public feed. Always verify current listing status with your agent.
School District

Schools Serving This Property

Public school assignments for this address based on ZIP code boundaries.

School District
District Rating
County
District Website
Notable Private Schools in the Area
School assignments are based on ZIP code boundaries and are subject to change. Always verify current school zoning directly with the district before purchasing. Ratings sourced from Florida Department of Education school grades and GreatSchools data. Florida DOE School Grades →
Pricing Analysis

Price Per Sq Ft — How Does This Home Compare?

This Home
per sq ft asking price
ZIP Average
Active listings in this ZIP
vs ZIP Average
vs area market
Home Size
sq ft living area
$/Sq Ft — This Home vs Naples Market Benchmarks
ZIP code averages are estimated benchmarks based on publicly available Southwest Florida MLS data ranges and are provided for context only — not a formal appraisal. Actual market averages change daily. Contact Scott Cowan for a current comparative market analysis (CMA) at no obligation.
Flood Zone & Insurance Risk

Flood Risk Assessment — This Property

FEMA Flood Zone
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Flood Insurance
Annual estimate
Flood Required?
If federally backed mortgage
Annual Risk Level
Chance of flooding per year
FEMA Flood Zone Reference
Zone X
Minimal risk — outside 500-yr flood plain
Zone AE
High risk — 1% annual chance, base flood elevations determined
Zone VE
Highest risk — coastal with wave action, mandatory insurance
Zone A
High risk — 1% annual chance, no base elevation data
Flood zone data sourced from the FEMA National Flood Hazard Layer (NFHL) via the FEMA Map Service Center API. Insurance estimates are ranges based on FEMA NFIP rate tables for Southwest Florida and are not a quote. Actual premiums depend on elevation certificate, building characteristics, and coverage selections. Always obtain a formal flood insurance quote before closing. Verify on FEMA.gov →
Hurricane Risk

Hurricane Risk Assessment — This Property

Historical storm track data and risk scoring for this ZIP code.

Composite Hurricane Risk Score
/100
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Storms Within 50mi
Since 1851 (NOAA records)
Cat 3+ Within 50mi
Major hurricane tracks
Last Direct Hit
Nearest landfall
Avg Return Period
Years between major events
Notable Storms — Collier & Lee County (1950–2024)
Ian
2022
Cat 5
Irma
2017
Cat 3
Wilma
2005
Cat 3
Charley
2004
Cat 4
Donna
1960
Cat 4
Milton
2024
Cat 3
What to Ask Before You Buy
Impact Windows & Doors
Verify all openings are impact-rated. Retrofitting after purchase costs $30,000–$80,000+ on a large home. Ask seller for permits.
📋
Roof Age & Material
Insurance carriers in SWFL require roofs under 15 years old. Metal or concrete tile preferred. Request roof permit and last inspection report.
🔌
Generator & Transfer Switch
Whole-home generator is standard at the luxury tier. Verify fuel type (natural gas preferred), capacity, and last service date.
🏘
Evacuation Zone
Collier County uses zones A–E. Zone A is highest risk and evacuates first. Check Collier County EM for this address.
Risk scoring is based on NOAA HURDAT2 historical storm track data (1851–2024) and Collier/Lee County proximity analysis. This is a historical risk assessment, not a forecast. All construction in Florida must meet the Florida Building Code hurricane standards enacted after 2002. Verify current insurance availability and windstorm coverage requirements with a licensed Florida insurance agent before purchase.
Mortgage Calculator

Estimate Your Monthly Payment

Pre-filled with data from this listing. Adjust any field.

Purchase PriceFrom this listing
$
Down Payment
%
Interest Rate
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Loan Term
years
Property Tax Rate
%
Home InsuranceAnnual premium
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Monthly HOA Fees
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PMI RateRequired if down payment < 20%
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⚠️ Your down payment is below 20% — PMI is included in the total. PMI is typically removed once you reach 20% equity. At this price tier most lenders require jumbo loan terms; consult your lender for exact PMI structure.
This calculator provides estimates only. Actual payments depend on lender-specific rates, points, closing costs, and escrow requirements. Property tax uses the effective rate applied to purchase price — assessed value may differ after purchase. Consult a licensed mortgage professional before making financial decisions.
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Realty of Naples — 1% Commission

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Details

  • Property ID 2026015339
  • Price $395,000
  • Property Size 1917 Sqft
  • Bedrooms 3
  • Bathrooms 2
  • Garages 2
  • Garage Size x x
  • Year Built 2024
  • Property Status Active, For Sale
  • Property Type Low Rise (1-3), Residential

Additional details

  • Association Fee 13890
  • Roof Tile
  • Cooling Ceiling Fan(s),Central Electric
  • Heating Central Electric
  • Flooring Tile
  • County Charlotte
  • Property Type Residential
  • Pool Community
  • Parking Driveway Paved,Paved,Attached
  • Community Features Clubhouse,Pool,Restaurant,Sidewalks,Street Lights,Tennis Court(s),Golf,Putting Green,Dog Park,Fitness Center,Fishing,Gated
  • Waterfront Lake
  • Architectural Style Ranch,Low Rise (1-3)