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9087 Breakwater DR, Naples, FL, 34120

5beds
5baths
3,999sqft
$3,499,750
$875price/sqft
$23,283/moest. monthly cost
$931,320/yrincome needed

About This Home

Experience the ultimate Naples resort lifestyle at 9087 Breakwater Drive, nestled within the prestigious QUARRY community and featuring a deeded boat dock. Situated on a private, brick-paved street within this gated enclave, this exceptional largest lakefront residence in Collier County offers both privacy and unparalleled access to world-class amenities. This stunning two-story home overlooks Stone Lake, the largest and deepest lake in Collier County. The property is framed by swaying palm trees and a rare sandy beach that stretches along its entire northern perimeter. Enjoy breathtaking water views and direct access to recreational boating, fishing, kayaking, and water-skiing, with a deeded private boat slip just steps away in an exclusive neighborhood marina. Designed for comfort and flexibility, the home features five bedrooms, a den/library, and four and a half bathrooms. The primary suite and three additional bedrooms are conveniently located on the first floor, while the second level offers a versatile fifth bedroom currently configured as dual offices, easily adaptable into a guest suite, game room, lounge, or nanny suite with a full bath and walk-in closet. The open-concept kitchen, dining area, and great room are ideal for both everyday living and entertaining. Highlights include KitchenAid appliances, a 36-inch electric cooktop, oversized walk-in pantry, indirect ceiling lighting, built-in speakers, and expansive sliding glass doors that seamlessly connect indoor and outdoor spaces. Hurricane-impact doors and windows provide peace of mind throughout the home. Step outside to the screened lanai, where a saltwater pool with waterfall, covered entertaining area, built-in cabinetry, quartzite countertops, stainless steel sink, electric fireplace, beverage refrigerator, outdoor TV hookup, and speakers create the perfect setting to relax and take in the serene lake views. Additional features include a 30’ x 30’ three-car garage with porcelain tile flooring, LED lighting, custom cabinetry, a stainless steel utility sink, and dedicated 20-amp outlets for power tools. The home also features an expansive attic with standing-height storage, painted plywood flooring, LED lighting, and Icynene foam insulation. As a Quarry homeowner, you will enjoy full access to the Beach Club amenities, which are conveniently located just a short walk away. These amenities include tennis, pickleball, bocce, resort and lap pools, a hot tub, poolside showers, lakefront dining, a tiki bar, and a state-of-the-art wellness center. The wellness center includes a fitness gym, activity rooms, a card room, a lending library, and a physical therapy center. This property offers more than just a home; it provides a lifestyle defined by luxury, recreation, and natural beauty.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
10/10
Oakridge Middle SchoolGrades 6-81.3 mi
7/10
Gulf Coast High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Concrete Block
  • Roof: Tile
  • Construction materials: Block,Stone,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Disposal,Freezer,Microwave,Refrigerator/Freezer,Refrigerator/Icemaker
  • Laundry features: Inside,Laundry Tub

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Closet Cabinets,Coffered Ceiling(s),Foyer,Laundry Tub,Pantry,Smoke Detectors,Tray Ceiling(s),Window Coverings,Zero/Corner Door Sliders,Den - Study,Family Room,Great Room,Guest Bath,Guest Room,Home Office,Laundry in Residence,Open Porch/Lanai,Screened Lanai/Porch
  • Door features: Zero/Corner Door Sliders
  • Window features: Window Coverings,Storm Protection (Other)
  • Flooring: Tile
  • Fireplace features: Outside
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,720
  • Total interior livable area: 3,999 sqft

Property

Details

  • Parcel number: 68968195727

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Community,In Ground,Concrete,Custom Upgrades,Salt Water
  • Patio & porch: Open Porch/Lanai,Screened Lanai/Porch
  • Exterior features: Dock,Water Avail at Dock
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake
  • Frontage type: Lakefront

Lot

  • Lot size: 1 Acres
  • Features: Regular

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Coastal Flooding
Cold Wave
Heat Wave
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 $17,696$212,352
Home Insurance *$2,334$28,008
Property Taxes $2,851$34,212
Electricity $402$4,829
Total$23,283$279,396
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$798,274/yr
40% on housing$698,490/yr
45% on housing$620,880/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

$875This listing

vs Other Active Listings

Avg $/sqft

ZIP 34120$334
Collier County$525

vs Homes Sold Last Month

Median $/sqft

ZIP 34120$316
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
2026-04-11Price change$3,499,750
2026-01-23Listed for sale$3,749,777
2016-09-29Sold$1,342,675

For Sale by Agent

AgentDeborah Moriarty
BrokeragePremier Sotheby's Int'l Realty

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