This magnificent and rarely available elevated property (transferable flood insurance only $800/yr!) offers an opportunity to own over an acre of near beach paradise, just a short stroll to the best and most pristine Gulf beaches on Sanibel Island. (deeded beach access). Located on quaint Turtle Gait Lane in the coveted Cardinal Ridge community right across the street from the historic and iconic Island Inn. As you approach the property, you'll be captivated by the lush landscaping and serene ambiance that surrounds this exceptional residence. Step inside to discover a beautifully maintained and updated interior featuring spacious living areas bathed in natural light. (You must check out the unique dormers which serve as skylights for the kitchen and dining area). The home boasts a 2018 metal roof, ensuring peace of mind for years to come, along with all new impact glass windows and doors throughout that provide both energy efficiency and safety. The heart of this home is its magnificent custom free form swimming pool, perfect for entertaining or simply relaxing in the Florida sunshine. The outdoor living space at this home is amazing. The impact glass sliders from the living room when open span 16 feet onto the 60 foot long deck which overlooks the 48 x 24 foot pool area. Whether you're hosting friends for a summer barbecue or enjoying a quiet evening under the stars listening to the wild life, this outdoor oasis will be your favorite retreat. With its prime location, modern upgrades, and expansive outdoor space, this home is not just a place to live—it's a lifestyle. Don’t miss your chance to make this slice of heaven your own! Schedule a showing today and experience the magic of coastal island living! Sanibel Island is THE shelling capital of the world, and consistently is recognized throughout the globe as one of the best family vacation destinations. Now is the perfect moment to experience paradise and immerse yourself in the wonderful transformation of Sanibel Island. Schedule your private showing today and take the first step toward living your dream island lifestyle!

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Year Built

Schedule a Showing

Tour this — bed, — bath home in Naples

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Seller Net Sheet

What would you walk away with on a home at this price?

Our free seller net sheet calculates your proceeds after commission, closing costs, and taxes — so you know exactly what hits your account at closing. No guesswork.

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Property Details

Listing Info

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List Price—

Property ID—

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Year Built—

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Rooms & Parking

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HOA / Month—

Parking—

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Pool—

Community & Setting

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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.

Estimated Total Annual Insurance

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All coverages combined estimate

Monthly Reserve

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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.

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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.

Scott Cowan · 35 Years

Talk to Scott - Don't Sacrifice Your Wealth!

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Realty of Naples FL

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Closed For Sale

$440,000

Modern single-story residence with a light-colored exterior and a dark roof

1417 Everest Pkwy E, Cape Coral, Florida 33904

1417 Everest E PKWY, 33904, Cape Coral, CAPE CORAL

Residential - Single Family Residence

Single Family Residence, Residential
3 Bedrooms
2 Bathrooms
2 Garages
0.23 Acres

Scott Cowan

57 years ago

Closed For Sale

$679,900

305 Sw 15th Ter, Cape Coral, Florida 33991

305 SW 15th TER, 33991, Cape Coral, CAPE CORAL

Residential - Single Family Residence

Single Family Residence, Residential
4 Bedrooms
3 Bathrooms
2 Garages
0.23 Acres

Scott Cowan

57 years ago

Closed For Sale

$1,084,000

3900 Gulfstream Pkwy, Cape Coral, Florida 33993

3900 Gulfstream PKWY, 33993, Cape Coral, CAPE CORAL

Residential - Single Family Residence

Single Family Residence, Residential
4 Bedrooms
3 Bathrooms
3 Garages
0.367 Acres

Scott Cowan

57 years ago

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

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Without homestead exemption

Monthly Tax Reserve

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Budget this for escrow

Effective Tax Rate

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Collier County

Millage Rate

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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

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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

— 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)

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Whole Foods

— min

Whole Foods Naples

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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.

Scott Cowan · 35 Years

Talk to Scott - Don't Sacrifice Your Wealth!

SELLING?
We Are ONE % Commission.
Realty of Naples FL

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Premium Marketing Services From Realty of Naples FL

1% Total Commission On The Sale Of Your Home

Everything a full-service brokerage does to make your home stand out — for a 1% commission.

Magazine-Quality Images

Photo Enhancement

The first thing every buyer sees

Professional editing brings every photo to life — balanced exposure, corrected color, bright skies, and rich, true-to-life detail, finished to a magazine standard. Those first images decide whether a buyer clicks through or scrolls past. We make sure yours stop the scroll.

The View From Above

Drone Photography

Show the full scope of the property

Aerial photography captures the lot, the rooflines, the water or golf views, and the surrounding neighborhood. For waterfront, golf course, and acreage properties, drone imagery is often the deciding factor — showcasing proximity to the Gulf, canal access, or a private setting in a single frame.

Help Buyers Picture Living There

Virtual Staging

Turn empty rooms into a home

Empty rooms are digitally furnished with tasteful, realistic furniture and decor, helping buyers picture themselves in the space. Staged homes consistently sell faster and for more, and virtual staging delivers that advantage at a fraction of the cost of physical staging. We tailor each room to the buyer most likely to purchase.

Tour Anytime, From Anywhere

3D Virtual Tours

Built for out-of-state buyers

Immersive, interactive walkthroughs let buyers explore every room on their own time, from anywhere in the country. With a true sense of layout, flow, and scale, a 3D tour pre-qualifies interest. For our many Northeast clients moving to Southwest Florida, it's often the tool that lets them decide on a home they've never set foot in.

Video That Gets Shared

Cinematic Storytelling

Sell the lifestyle, not just the floor plan

Professionally produced video tours walk buyers through the home and the lifestyle around it. We craft each video as a story — pacing the reveal of key spaces, highlighting the features buyers care about most, and capturing the feel of the home. This is the content that gets shared, saved, and remembered, extending your listing's reach far beyond the MLS.

Polish High-End Buyers Expect

Luxury Presentation

Presentation matched to the price point

Your home is presented with the polish high-end buyers expect — refined layouts, premium imagery, and placement built to stand out. From the headline copy to the order of the photos, every detail is intentional, designed to communicate value and justify your asking price. For luxury and estate properties we expand into print exposure, magazine features, and dedicated campaigns.

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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

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District Rating

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County

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District Website

View →

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

ZIP Average

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Active listings in this ZIP

vs ZIP Average

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vs area market

Home Size

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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

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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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/100

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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

Last Direct Hit

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Nearest landfall

Avg Return Period

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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.

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.

Mortgage Calculator

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PMI RateRequired if down payment < 20%

⚠️ 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.

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Realty of Naples — 1% Commission

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Realty of Naples represents buyers and sellers across Southwest Florida at 1% commission. Whether you want to schedule a showing or list your own home, our team saves you tens of thousands compared to a traditional brokerage.

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Selling in Naples? 1% Commission

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Active For Sale

$200,000

Screened balcony featuring a concrete floor and roller shades

Active For Sale

132 Santa Clara Dr 10, Naples, Florida 34104

$200,000

132 Santa Clara DR, 34104, Naples, GRANADA LAKES

Beds: 2
Baths: 2
Low Rise (1-3), Residential

Details

Scott Cowan

57 years ago

Scott Cowan

57 years ago

Active For Sale

$230,000

Active For Sale

20273 Royal Villagio Ct 104, Estero, Florida 33928

$230,000

20273 Royal Villagio CT, 33928, Estero, VILLAGIO

Bed: 1
Baths: 2
Garage: 1
0.1649 Acres
Low Rise (1-3), Residential

Details

Scott Cowan

57 years ago

Scott Cowan

57 years ago

Details

Property ID 2025009223
Price $1,155,000
Property Size 3947 Sqft
Land Area 1.091 Acres
Bedrooms 3
Bathrooms 2
Garages 2
Year Built 1988
Property Status Closed, For Sale
Property Type Single Family Residence, Residential

Additional details

Roof Metal
Cooling Central Electric
Heating Central Electric
Flooring Tile
County Lee
Property Type Residential
Pool Below Ground
Parking Attached
Waterfront None
Architectural Style Two Story, Single Family

3025 Turtle Gait Ln, Sanibel, Florida 33957

3025 Turtle Gait Ln, Sanibel, Florida 33957

3025 Turtle Gait Ln, Sanibel, Florida 33957

Overview

Description

What Will You Pay to Insure This Property?

SELLING? We Are ONE % Commission. Realty of Naples FL

1417 Everest Pkwy E, Cape Coral, Florida 33904

305 Sw 15th Ter, Cape Coral, Florida 33991

3900 Gulfstream Pkwy, Cape Coral, Florida 33993

What Does the HOA Actually Cost — and Cover?

Estimated Annual Property Tax — This Property

Around this property

How Far Is Everything from This Property?

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

SELLING? We Are ONE % Commission. Realty of Naples FL

1% Total Commission On The Sale Of Your Home

Photo Enhancement

Drone Photography

Virtual Staging

3D Virtual Tours

Cinematic Storytelling

Luxury Presentation

Who Lives Here — and What Has the Market Done?

Days on Market & Price History

Schools Serving This Property

Price Per Sq Ft — How Does This Home Compare?

Flood Risk Assessment — This Property

Hurricane Risk Assessment — This Property

Estimate Your Monthly Payment

Interested in this property?

132 Santa Clara Dr 10, Naples, Florida 34104

20273 Royal Villagio Ct 104, Estero, Florida 33928

Details

Additional details

SELLING?
We Are ONE % Commission.
Realty of Naples FL

SELLING?
We Are ONE % Commission.
Realty of Naples FL