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738 Reef Point CIR, Naples, FL, 34108

2beds
2baths
1,343sqft
$854,000
$636price/sqft
$5,185/moest. monthly cost
$207,400/yrincome needed

About This Home

This home has been thoughtfully upgraded from top to bottom, blending long term durability with timeless style and comfort. From the moment you walk in it is easy to see the level of care that has gone into every improvement. The exterior enhancements, structural updates and interior finishes all work together to create a property that feels polished, practical and move-in ready and is being sold furnished. Every major system has been addressed and every detail contributes to a home that is both beautiful and functional for everyday living or seasonal enjoyment. Updates include: polybutylene piping replaced, electric up to code, hot water moved to garage, a beautiful outdoor shower finished with porcelain tile imported from Italy, nonslip tile in courtyard, new gutters and gutter guards, extended lanai with raised floor and removable windows, hurricane windows and door, remodeled primary bathroom with newly remodeled no glass walk in shower, electric hurricane shutters, remodeled kitchen with all wood cabinets, enclosed closet in guest bedroom, plantation shutters, new baseboards and paint and more. Furniture in both bedrooms is from Rob & Stuckey, dining room table & chairs are from Tommy Bahamas and the lanai is from Elegant Outdoor.

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

6/10
9/10
Pine Ridge Middle SchoolGrades 6-82.9 mi
--
Hospital/HomeboundGrades K-123.7 mi

Construction

Condition

  • Year built: 1987

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator/Icemaker,Self Cleaning Oven,Washer
  • Laundry features: In Garage

Bedrooms & Bathrooms

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

Features

  • Smoke Detectors,Vaulted Ceiling(s),Walk-In Closet(s),Window Coverings,Family Room,Guest Bath,Guest Room,Laundry in Garage,Screened Lanai/Porch
  • Door features: Impact Resistant Doors
  • Window features: Window Coverings,Impact Resistant Windows,Shutters Electric
  • Flooring: Tile,Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 1,343
  • Total interior livable area: 1,343 sqft

Property

Details

  • Parcel number: 00174000004

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Screened Lanai/Porch
  • Exterior features: Courtyard,Outdoor Shower
  • Spa features: Community
  • Has view: Yes
  • View description: Landscaped Area
  • Waterfront features: None

Lot

  • Features: Zero Lot Line

Parking

  • Total spaces: 2
  • Parking features: 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
    HurricaneRelatively High
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
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 $4,318$51,816
Home Insurance *$626$7,512
Property Taxes $44$528
Electricity $197$2,366
Total$5,185$62,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$177,771/yr
40% on housing$155,550/yr
45% on housing$138,266/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

$636This listing

vs Other Active Listings

Avg $/sqft

ZIP 34108$905
Collier County$526

vs Homes Sold Last Month

Median $/sqft

ZIP 34108$695
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
2026-03-28Price change$854,000
2026-02-18Listed for sale$898,000

For Sale by Agent

AgentGina Jackson
BrokeragePremiere Plus Realty Company

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