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14520 Topsail DR, Naples, FL, 34114

3beds
2baths
1,709sqft
$629,000
$368price/sqft
$4,475/moest. monthly cost
$179,000/yrincome needed

About This Home

This 3 bedroom, 2 bathroom single-family "Lazio" model by Ashton Woods, offers 1,709 square feet under air with a 2-car garage and a light, open layout. The interior was painted in a neutral tone (2024) that complements the home’s bright and airy feel, and window treatments dress the windows throughout. The kitchen features light cabinetry, stainless steel appliances and quartz countertops. Neutral wood-look tile can be seen in the common areas, while the bedrooms feature soft carpeting in great condition. The backyard provides a private outdoor setting with mature landscaping and a newly installed fence (2025). A screened lanai with upgraded no-seeum screening offers comfortable outdoor living and the lanai is pre-plumbed for a future outdoor kitchen, making it easy to expand the space for entertaining. For buyers considering a pool, the spacious backyard has ample room to add one, and a quote is available upon request. This home is a great option for a full-time residence, seasonal home, or investment at an attractive price point within the highly desirable community of Naples Reserve. Residents enjoy access to an extensive list of amenities including a clubhouse, resort-style pool and lap pool, fitness center, tennis and pickleball courts, basketball court, bocce courts, BBQ and picnic areas, two dog parks, a children’s playground, and a 2-mile walking and biking path. The community also offers an active social calendar and is currently completing a new tiki bar, restaurant, and clubhouse renovation expected around April 2026. Conveniently located just minutes from shopping plazas, Publix, Fresh Market, and local restaurants, and within close proximity to Marco Island, downtown Naples, and Gulf beaches.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
Manatee Elementary SchoolGrades PK-51.5 mi
7/10
Manatee Middle SchoolGrades 6-81.4 mi
5/10
Lely High SchoolGrades 9-124.6 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Concrete Block
  • Roof: Metal
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Dryer,Microwave,Other,Refrigerator/Freezer,Self Cleaning Oven,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Breakfast Bar, Dining - Family

Features

  • Pantry,Smoke Detectors,Walk-In Closet(s),Window Coverings,Family Room,Guest Bath,Guest Room,Laundry in Residence,Screened Lanai/Porch
  • Window features: Window Coverings,Impact Resistant Windows,Storm Protection (Other),Shutters - Manual
  • Flooring: Carpet,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,058
  • Total interior livable area: 1,709 sqft

Kitchen

  • Features: Island, Walk-In Pantry

Property

Details

  • Parcel number: 63045036940

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Patio,Screened Lanai/Porch
  • Fencing: Fenced
  • Has view: Yes
  • View description: Landscaped Area
  • Waterfront features: None

Lot

  • Lot size: 6,969 sqft
  • Features: Regular

Parking

  • Total spaces: 2
  • Parking features: Covered,Deeded,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Wildfire
Coastal Flooding
Cold Wave
Heat Wave
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 $3,180$38,160
Home Insurance *$283$3,396
Property Taxes $815$9,780
Electricity $197$2,366
Total$4,475$53,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,428/yr
40% on housing$134,250/yr
45% on housing$119,333/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

$368This listing

vs Other Active Listings

Avg $/sqft

ZIP 34114$236
Collier County$526

vs Homes Sold Last Month

Median $/sqft

ZIP 34114$366
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
2026-04-07Price change$639,000
2026-03-18Listed for sale$649,000
2024-08-02Sold$645,000
2024-06-26Pending sale$650,000
2024-06-08Listed for sale$650,000
2024-05-24Listing removed--
2024-04-02Price change$700,000
2024-03-08Listed for sale$715,000
2020-08-11Sold$390,000
2020-07-08Pending sale$399,990
2020-02-20Price change$399,990
2019-06-08Listed for sale--

For Sale by Agent

AgentTaylor Farquhar
BrokerageColdwell Banker Realty

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