Waterfront Retreat in Turkey Creek – Gateway to Florida’s Legendary Waterways! Tucked away in the distinctive boating community of Turkey Creek, an Ortona subdivision adjacent to the historic Ortona Locks, this waterfront home at 1071 Schooner Lane offers an authentic Old Florida lifestyle with exceptional boating access in rural Glades County. Set on a 65’ x 100’ deep-water canal lot, the property features a sturdy dock equipped with water and electric, providing effortless access to the Caloosahatchee River, part of the Intracoastal Waterway. From here, boaters can cruise west to the Gulf of Mexico or east to the Atlantic Ocean via Lake Okeechobee—making this a rare hub for vessels of all types, from sailboats and trawlers to cruising yachts. The wood-frame home is elevated on a solid concrete block foundation with concrete pilings and topped with a durable metal galvalume roof. Central air and heat, along with well and septic, support comfortable and efficient living. The upper level offers approximately 1, 300+/- square feet, featuring two bedrooms, one bath, a galley kitchen, and a spacious great room for living and dining. The heart of the home is the dramatic living area, highlighted by a rustic tongue-and-groove vaulted wood ceiling, a cozy Franklin stove, and expansive sliding glass doors that open to a second-living-room-sized screened porch—perfect for relaxing while taking in tranquil canal and waterfront views. The lower level includes a garage, a workshop with built-in workbench and generous storage for projects, a laundry area, and a second full bath—ideal for boating days and hands-on hobbies. Ortona is known for its peaceful, nature-rich surroundings, with nearby U.S. Army Corps of Engineers campground and free boat dock, the local Ortona Tavern, and endless opportunities for walking, biking, and birdwatching. Conveniently located just 15 minutes from downtown LaBelle and 20 minutes from downtown Moore Haven, this unique waterfront retreat truly delivers on the promise to slow down, simplify, and savor life on the water.

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Property Details

Listing Info

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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.

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All coverages combined estimate

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Risk Factors for This Property

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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.

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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.

Compare Insurance Rates → Insurance Guide

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

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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.

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Without homestead exemption

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Budget this for escrow

Effective Tax Rate

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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

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Tax Scenarios

No Exemption

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Investment / second home / new buyer first year

With Homestead

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Primary Florida residence, $50K assessed value reduction

After 5 Years SOH

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Save Our Homes cap — estimated if market rises 5%/yr

New York Comparison

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Equivalent NY effective rate ~1.7% — FL is lower

Collier County PAO → Full Tax Guide

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

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5th Avenue South

Dining, galleries & boutiques

RSW Airport

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SW Florida Intl Airport

Fort Myers — nearest major airport

Luxury Shopping

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Mercato

Dining, Whole Foods & boutiques

Top Hospital

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NCH Baker Hospital

Naples Community Health — Level II

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Gulf Beach

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Naples Beach (Gulf Shore Blvd)

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Whole Foods

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Whole Foods Naples

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Naples Airport

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Naples Municipal (APF)

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Tiburón Golf

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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

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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.

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District Website

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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
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per sq ft asking price

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vs area market

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$/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

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Annual estimate

Flood Required?

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If federally backed mortgage

Annual Risk Level

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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

Run Full Flood Zone Lookup → Compare Insurance Rates → View FEMA Flood Map ↗

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

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Storms Within 50mi

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Since 1851 (NOAA records)

Cat 3+ Within 50mi

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Major hurricane tracks

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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

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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.

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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.

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Generator & Transfer Switch

Whole-home generator is standard at the luxury tier. Verify fuel type (natural gas preferred), capacity, and last service date.

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Evacuation Zone

Collier County uses zones A–E. Zone A is highest risk and evacuates first. Check Collier County EM for this address.

Check Evacuation Zone → Hurricane Guide

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.

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Active For Sale

$1,175,000

Active For Sale

222 Harbour Dr 218, Naples, Florida 34103

$1,175,000

222 Harbour DR, 34103, NAPLES, COMMODORE CLUB

Beds: 2
Baths: 2
Mid Rise (4-7), Residential

Details

Naples Realty

56 years ago

Naples Realty

56 years ago

Closed For Sale

$429,097

Closed For Sale

18911 River Burst Ct, North Fort Myers, Florida 33917

$429,097

18911 River Burst CT, 33917, NORTH FORT MYERS, BRIGHTWATER LAGOON

Beds: 3
Baths: 3
Garages: 3
0.154 Acres
Single Family Residence, Residential

Details

Naples Realty

56 years ago

Naples Realty

56 years ago

Details

Property ID 2026008518
Price $325,000
Property Size 2384 Sqft
Land Area 0.149 Acres
Bedrooms 2
Bathrooms 2
Garages 2
Year Built 1988
Property Status Closed, For Sale
Property Type Single Family Residence, Residential

Additional details

Roof Metal
Sewer Septic Tank
Cooling Ceiling Fan(s), Central Electric
Heating Central Electric
Flooring Carpet, Tile
County Glades
Property Type Residential
Parking Driveway Unpaved, Attached
Elementary School Glades County
Middle School Glades County
High School Glades County
Waterfront Canal Front, Fresh Water, Navigable
Architectural Style Two Story, Single Family