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2969 Coco Lakes DR, Naples, FL, 34105

5beds
5baths
3,720sqft
$3,350,000
$901price/sqft
$23,255/moest. monthly cost
$930,200/yrincome needed

About This Home

One or more photo(s) has been virtually staged, AI generated or rendered. Situated on a private .25-acre cul-de-sac homesite, this to-be-built coastal contemporary residence offers timeless architecture, exceptional craftsmanship, and thoughtfully designed living spaces in one of Naples' most desirable central locations. An exceptional opportunity to build a custom luxury residence by DIVCO Homes, the preferred builder in the exclusive gated estate community of Montebello in Naples. Located just North of The Estuary and West of Grey Oaks, Montebello offers a premier central Naples address within the Naples High School district, only minutes from Lowdermilk Beach, Fifth Avenue South, Third Street South, Waterside Shops, Mercato, and world-class dining, shopping, and golf. Royal Poinciana Golf Club borders the community, enhancing the peaceful estate setting. Offering 3,720 square feet under air and 4,815 total square feet, this home plan features five spacious en-suite bedrooms, five full baths, a private office, with one of the bedrooms being a versatile, detached cabana/flex suite - ideal for guests, extended family, an au pair, media room, or fitness studio. A dramatic great room with soaring ceilings flows seamlessly into the dining area and designer chef's kitchen featuring an oversized island, custom cabinetry, premium appliances, a gas cooktop and wood floors throughout. Expansive 10-foot zero-corner pocket sliding glass doors open to an exceptional outdoor living area complete with a covered lanai, summer kitchen with built-in grill, refrigerator, bar sink, and a custom saltwater pool and spa with sun shelf—creating the perfect setting for year-round entertaining. The estate home will be built to the latest FEMA standards, including impact-resistant windows and doors, a buried 500-gallon propane tank, generator-ready infrastructure, and a three-car garage. Included are premium DIVCO custom plans ready to build or you can customize to your personal vision, presenting a rare opportunity to create a one-of-a-kind luxury residence in one of Naples' most sought-after gated neighborhoods on a premium cul-de-sac lot. One or more photos have been virtually staged, AI-generated, or are artist renderings.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

8/10
9/10
Gulfview Middle SchoolGrades 6-83.6 mi
6/10
Naples High SchoolGrades PK,9-121.9 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2027

Materials

  • Foundation: Concrete Block,Poured Concrete
  • Roof: Built-Up,Metal
  • Construction materials: Block,Concrete,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Contemporary,Florida,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Disposal,Grill - Gas,Microwave,Refrigerator/Freezer,Tankless Water Heater,Oven
  • Laundry features: Washer/Dryer Hookup,Inside

Bedroom

  • Features: Master BR Ground, Split Bedrooms

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 5

Dining Room

  • Features: Breakfast Bar, Dining - Living

Features

  • Cathedral Ceiling(s),Coffered Ceiling(s),Custom Mirrors,French Doors,Pantry,Smoke Detectors,Vaulted Ceiling(s),Volume Ceiling,Den - Study,Laundry in Residence,Screened Lanai/Porch
  • Door features: French Doors,Impact Resistant Doors
  • Window features: Impact Resistant Windows
  • Flooring: Marble,Tile,Wood

Heating & Cooling

  • Heating features: Central,Zoned
  • Cooling features: Ceiling Fan(s),Central Air,Zoned

Interior Area

  • Total structure area: 4,815
  • Total interior livable area: 3,720 sqft

Kitchen

  • Features: Gas Available, Island, Pantry

Property

Details

  • Parcel number: 26169502025

Features

  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Gas Heat,Salt Water,Self Cleaning
  • Patio & porch: Awning(s),Patio,Screened Lanai/Porch
  • Exterior features: Awning(s),Outdoor Grill,Outdoor Kitchen
  • Has spa: Yes
  • Spa features: In Ground,Heated
  • Fencing: Fenced
  • Has view: Yes
  • View description: Landscaped Area,Preserve
  • Waterfront features: None

Lot

  • Lot size: 0.25 Acres
  • Features: Cul-De-Sac,Irregular Lot

Parking

  • Total spaces: 3
  • Parking features: Driveway,Guest,Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Coastal Flooding
Cold Wave
Heat Wave
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Collier County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $16,939$203,268
Home Insurance *$3,066$36,792
Property Taxes $2,876$34,512
Electricity $374$4,492
Total$23,255$279,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$797,314/yr
40% on housing$697,650/yr
45% on housing$620,133/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$901This listing

vs Other Active Listings

Avg $/sqft

ZIP 34105$366
Collier County$525

vs Homes Sold Last Month

Median $/sqft

ZIP 34105$418
Collier County$385

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-01Listed for sale$3,350,000
2023-06-07Sold$797,500

New Construction

AgentKaren Stabile
BrokerageCompass Florida LLC

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