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25875 Hickory Blvd 402, Bonita Springs, Florida 34134

  • $950,000

25875 Hickory Blvd 402, Bonita Springs, Florida 34134

  • $950,000

Overview

  • 226014340
    Property ID
  • Mid Rise (4-7), Residential
    Property Type
  • 2
    Bedrooms
  • 2
    Bathrooms
  • 1
    Garage
  • 2345 Sqft
    Area Size
  • 0.1142 Acres
    Land Area
  • 1985
    Year Built

Description

Love boating and beaching and breathtaking views of the bay and the Gulf? Then this is the home for you! A rare gem, this completely updated 2 bedroom, 2 bath Bayfront beauty is directly across from Bonita Beach and it is move-in ready. The spacious, immaculate condo includes a private garage, a private boat slip, two private storage closets and deeded beach access right across the street. The 8 unit, low density building has just two units on each floor with a large breezeway separating the homes. Windows on all four sides of the condo provide an abundance of natural light, and you have no shared walls with neighbors. All living areas boast amazing views of the bay and the Gulf, with all the flora and fauna SWFLA has to offer! Relax on your lanai and enjoy dolphins and manatees swimming in your own backyard! Nothing to do but enjoy life here as everything has been done! The home has been updated with a soothing coastal decor and tasteful upgrades --The easy care wood-look plank tile flooring flowing throughout, the beautiful custom cabinetry and granite countertops in the kitchen and baths, and crown molding finishes. The primary bedroom has a private balcony with a view of the Gulf for enjoying that morning cup of coffee or watching sunset with a relaxing evening beverage. The ensuite bathroom has a spacious walk-in closet, raised vanity with granite countertop and dual sinks, a tiled shower and a linen closet. The guest area of the home offers lots of privacy for overnight visitors. The spacious bedroom accommodates two queen beds and a walk-in closet for extra storage. The guest bath has a raised vanity with granite countertop and tiled shower. The wrap-around lanai is perfect for relaxing and watching the watercraft and wildlife. You will have peace of mind with the new top-of-the line geothermal HVAC system, new hot water heater, and especially with all the new impact windows and doors. Storm shutters on the lanai provide additional storm protection. Even the floor of the private garage has been enhanced with a beautiful epoxy coating. The private boat slip awaits your watercraft for back bay and Gulf adventures with Gulf access just a few minutes away. Or venture to the beach across the street for shelling and breathtaking sunsets. The Gulf Harbor complex has had a total storm recovery that includes new docks, new elevator, new roof, new lobby entry system, new landscaping, and refinished saltwater pool and spa plus much, much more. Deeded Beach access is right across the street. Gulf Harbor is pet-friendly complex located on the quiet north end of Little Hickory Island, home of beautiful Bonita Beach. The condo boasts amazing views to the east, south and west, and is one of the largest 2 bedroom, 2 bath condos available in the area. It's being sold turnkey and is move-in ready -- Add the private boat slip, private attached garage, 2 private storage closets, and deeded beach access, this is the one! Your next home in paradise!

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
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Down Payment
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Interest Rate
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Loan Term
years
Property Tax Rate
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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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Details

  • Property ID 226014340
  • Price $950,000
  • Property Size 2345 Sqft
  • Land Area 0.1142 Acres
  • Bedrooms 2
  • Bathrooms 2
  • Garage 1
  • Year Built 1985
  • Property Status Active, For Sale
  • Property Type Mid Rise (4-7), Residential

Additional details

  • Association Fee 21640
  • Roof Built-Up
  • Cooling Ceiling Fan(s), Central Electric
  • Heating Central Electric
  • Flooring Tile
  • County Lee
  • Property Type Residential
  • Pool Community
  • Parking Driveway Paved, Guest, Paved, Under Bldg Closed, Attached
  • Community Features Pool, Sidewalks
  • Waterfront Bay
  • Architectural Style Mid Rise (4-7)