Nestled in the highly sought-after Stonecreek community in Naples, this rare Napa floor plan home offers exceptional design and premium features. With four spacious bedrooms, a large den, and a three-car garage, this elegant single-story residence showcases a split-bedroom layout, complete with en-suite bathrooms for ultimate privacy and comfort. The beautifully appointed wood floors in the bedrooms bring a modern sophistication while adding warmth and coziness throughout. The expansive kitchen seamlessly connects to the great room, creating a spacious, open-concept area perfect for gathering with family and friends. Enjoy serene eastern exposure for breathtaking morning sunrises, ensuring your private lanai and backyard are bathed in soft light to start the day. Each bedroom is equipped with a custom-built walk-in closet, and the home’s high ceilings lend an airy, elegant feel to every room. Built with resilience in mind, this home is NOT in a flood zone and is equipped with hurricane impact windows and doors, along with a whole-house natural gas generator—offering peace of mind during any weather. Additional features include, full home water filtration and water softener system, plantation shutters throughout, U/V sterilization for AC handlers, a gas stove, an outdoor grill connection, smart home integration, a stylish built-in entertainment center, a custom entryway for easy storage, and high-speed Wi-Fi. Its prime location offers easy access to shopping, dining, beautiful beaches, and Downtown Naples’ renowned 5th Avenue. Situated within an ‘A’-rated school district and less than 20 miles from the airport, convenience is at your doorstep. Stonecreek offers a vibrant lifestyle with a state-of-the-art clubhouse featuring pools, a spa, fitness facilities, tennis, pickleball, basketball, volleyball, and a clubroom for indoor relaxation. This remarkable home invites you to experience an unparalleled quality of life—come and see it for yourself!

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Seller Net Sheet

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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—

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Year Built—

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Rooms & Parking

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HOA / Month—

Parking—

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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

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Realty of Naples FL

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Closed For Sale

$1,124,000

5072 Sorrento Ct, Cape Coral, Florida 33904

5072 Sorrento CT, 33904, Cape Coral, CAPE CORAL

Residential - Single Family Residence

Single Family Residence, Residential
3 Bedrooms
3 Bathrooms
3 Garages
0.449 Acres

Scott Cowan

57 years ago

Closed For Sale

$2,650,000

2633 Finchley Ln St, Naples, Florida 34105

2633 Finchley Ln ST, 34105, Naples, KENSINGTON

Residential - Single Family Residence

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

Scott Cowan

57 years ago

Closed For Sale

$415,000

2956 Willow Ridge Ct, Fort Myers, Florida 33905

2956 Willow Ridge CT, 33905, Fort Myers, VERANDAH

Residential - Single Family Residence

Single Family Residence, Residential
2 Bedrooms
2 Bathrooms
2 Garages
0.155 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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⚠️ 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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Active For Sale

$275,000

Active For Sale

4104 18th Ave 2d, Cape Coral, Florida 33904

$275,000

4104 SE 18th AVE, 33904, Cape Coral, CORAL DEL RIO CONDO

Beds: 2
Baths: 2
0.1354 Acres
Low Rise (1-3), Residential

Details

Scott Cowan

57 years ago

Scott Cowan

57 years ago

Active For Sale

$789,000

Active For Sale

20702 Fair Oak Ln, Estero, Florida 33928

$789,000

20702 Fair Oak LN, 33928, Estero, RIVERCREEK IN ESTERO

Beds: 3
Baths: 4
Garages: 2
0.1444 Acres
Single Family Residence, Residential

Details

Scott Cowan

57 years ago

Scott Cowan

57 years ago

Details

Property ID 224088662
Price $1,395,000
Property Size 3881 Sqft
Land Area 0.21 Acres
Bedrooms 4
Bathrooms 5
Garages 3
Year Built 2019
Property Status Closed, For Sale
Property Type Single Family Residence, Residential

Additional details

Association Fee 5396
Roof Tile
Cooling Ceiling Fan(s), Central Electric, Gas - Natural
Heating Central Electric
Flooring Tile, Wood
County Collier
Property Type Residential
Pool Community
Parking Driveway Paved, Attached
Elementary School LAUREL OAK ELEMENTARY SCHOOL
Middle School OAKRIDGE MIDDLE SCHOOL
High School AUBREY ROGERS HIGH SCHOOL
Community Features Clubhouse, Pool, Fitness Center, Sidewalks, Street Lights, Tennis Court(s), Gated
Waterfront None
Architectural Style Ranch, Single Family

4621 Azalea Dr, Naples Fl 34119

4621 Azalea Dr, Naples Fl 34119

4621 Azalea Dr, Naples Fl 34119

Overview

Description

What Will You Pay to Insure This Property?

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

5072 Sorrento Ct, Cape Coral, Florida 33904

2633 Finchley Ln St, Naples, Florida 34105

2956 Willow Ridge Ct, Fort Myers, Florida 33905

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?

4104 18th Ave 2d, Cape Coral, Florida 33904

20702 Fair Oak Ln, Estero, Florida 33928

Details

Additional details

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

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