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628 21st AVE S, Naples, FL, 34102

5beds
6baths
5,325sqft
$8,900,000
$1,671price/sqft
$57,334/moest. monthly cost
$2,293,360/yrincome needed

About This Home

Welcome to an exceptional waterfront residence in Aqualane Shores—where refined coastal elegance meets effortless Gulf access. Designed by the renowned architectural firm MHK, this stunning home beautifully blends coastal sophistication with West Indies influences, creating a timeless yet relaxed aesthetic throughout. Boasting five spacious bedrooms, four full bathrooms, two half baths, and office; the home offers an ideal layout for both everyday living and entertaining. Inside, you'll find exquisite white pine and French oak flooring complemented by elegant marble accents, along with custom cabinetry that adds both style and functionality. The chef’s kitchen is truly a showpiece—featuring premium gas Miele appliances, a double oven, and a wine room—perfect for hosting and culinary enthusiasts. Seamlessly transition to outdoor living where a heated pool and spa, fully equipped outdoor kitchen, expansive patio, and serene sunroom provide the perfect setting to relax and entertain while enjoying tranquil water views. Boating enthusiasts will appreciate the state-of-the-art dock, complete with a 20,000-pound boat lift, offering direct canal access to the Gulf of Mexico for the ultimate Southwest Florida lifestyle. This is waterfront luxury living at its finest—where design, comfort, and location come together in perfect harmony.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

10/10
8/10
Gulfview Middle SchoolGrades 6-81.6 mi
6/10
Naples High SchoolGrades PK,9-123.5 mi

Construction

Condition

  • Year built: 2014

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Disposal,Double Oven,Dryer,Freezer,Grill - Gas,Ice Maker,Microwave,Refrigerator/Freezer,Tankless Water Heater,Walk-In Cooler,Oven,Washer
  • Laundry features: Inside,Laundry Tub

Bedroom

  • Features: Master BR Ground

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Dining Room

  • Features: Breakfast Bar, Breakfast Room, Formal

Features

  • Built-In Cabinets,Fireplace,Foyer,French Doors,Laundry Tub,Smoke Detectors,Wired for Sound,Tray Ceiling(s),Walk-In Closet(s),Window Coverings,Zero/Corner Door Sliders,Balcony,Den - Study,Family Room,Florida Room,Laundry in Residence,Open Porch/Lanai
  • Door features: French Doors,Zero/Corner Door Sliders,Impact Resistant Doors
  • Window features: Window Coverings,Impact Resistant Windows
  • Flooring: Carpet,Tile,Wood
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 6,697
  • Total interior livable area: 5,325 sqft

Kitchen

  • Features: Island

Property

Details

  • Parcel number: 02030520008

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Patio,Open Porch/Lanai
  • Exterior features: Dock,Balcony,Boat Lift,Elec Avail at dock,Water Avail at Dock
  • Has spa: Yes
  • Spa features: Concrete,Heated
  • Fencing: Fenced
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal Front

Lot

  • Lot size: 10,454 sqft
  • 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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Inland Flooding
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 $45,003$540,036
Home Insurance *$5,643$67,716
Property Taxes $6,153$73,836
Electricity $535$6,430
Total$57,334$688,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,965,737/yr
40% on housing$1,720,020/yr
45% on housing$1,528,906/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

$1,671This listing

vs Other Active Listings

Avg $/sqft

ZIP 34102$1,875
Collier County$524

vs Homes Sold Last Month

Median $/sqft

ZIP 34102$1,238
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
2026-05-08Listed for sale$8,900,000
2021-01-06Sold$5,461,300
2020-11-18Pending sale$5,750,000
2020-07-09Price change$5,750,000
2020-02-06Listed for sale$5,995,000
2018-10-29Listing removed$5,450,000
2018-01-03Listed for sale$5,450,000
2017-07-16Listing removed$5,450,000
2016-10-03Listed for sale$5,450,000
2016-08-17Listing removed$5,900,000
2016-02-04Listed for sale$5,900,000
2012-11-30Sold$578,385
2012-08-15Sold$1,156,770
2012-02-15Listing removed$1,649,000
2011-04-27Price change$1,649,000
2010-10-24Price change$1,900,000
2010-05-05Listed for sale$1,999,000
2010-02-23Listing removed$4,500
2010-01-06Price change$4,500
2009-11-02Price change$4,000
2009-05-24Price change$2,199,000
2009-04-26Listed for sale$3,500
2005-06-09Sold$2,230,000
2003-07-07Sold$1,375,000
1999-09-15Sold$760,000
1996-12-12Sold$500,000

For Sale by Agent

AgentMarta Campanella
BrokeragePremiere Plus Realty Company

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