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3618 Cottage Club LN, Naples, FL, 34105

4beds
3baths
1,601sqft
$645,000
$403price/sqft
$4,520/moest. monthly cost
$180,800/yrincome needed

About This Home

Prime Naples Location – Versatile Two-Story Home! Charming 4BR/3BA residence with approx. 1,601 sq. ft. on a beautifully landscaped 0.23-acre lot. Features include a bright open layout, vaulted ceilings, wood/tile floors, and built-in cabinetry. Main kitchen with walk-in pantry plus second kitchen and guest suite with office—ideal for extended family or workspace. Upstairs master suite with dual sinks; two bedrooms and full bath on main level. Extras: Metal roof, 2-car garage, central HVAC, ceiling fans, pre-wired cable. Parking for up to 5 cars with low HOA fees( landscaping & irrigation included). Location: Minutes to beaches, shopping, dining, Waterside Shops, and 5th Ave South. Flexible living, unbeatable value!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

8/10
8/10
Gulfview Middle SchoolGrades 6-83.5 mi
6/10
Naples High SchoolGrades PK,9-121.9 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Concrete Block
  • Roof: Metal
  • Construction materials: Block,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

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

Bedroom

  • Features: Split Bedrooms

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Breakfast Bar, Eat-in Kitchen

Features

  • Closet Cabinets,Pantry,Smoke Detectors,Walk-In Closet(s),Den - Study,Guest Room,Laundry in Residence,Screened Balcony,Screened Lanai/Porch
  • Window features: Shutters - Manual
  • Flooring: Tile,Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 2,476
  • Total interior livable area: 1,601 sqft

Kitchen

  • Features: Pantry

Property

Details

  • Parcel number: 27880480001

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Screened Lanai/Porch
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Landscaped Area,Privacy Wall
  • Waterfront features: None

Lot

  • Lot size: 10,018 sqft
  • Features: Regular

Parking

  • Total spaces: 2
  • Parking features: Driveway,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 $3,261$39,132
Home Insurance *$590$7,080
Property Taxes $472$5,664
Electricity $197$2,366
Total$4,520$54,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,971/yr
40% on housing$135,600/yr
45% on housing$120,533/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

$403This listing

vs Other Active Listings

Avg $/sqft

ZIP 34105$382
Collier County$526

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
2026-04-16Listed for sale$695,000
2026-04-13Listing removed$705,000
2025-11-25Price change$705,000
2025-10-24Listed for sale$775,000
2020-11-03Sold$390,000
2020-09-18Pending sale$375,000
2020-09-12Listed for sale$375,000
2017-02-20Sold$290,000
2002-03-22Sold$226,000
1996-10-08Sold$145,600

For Sale by Agent

AgentDariusz Gluchowski
BrokerageWaterfront Realty Group Inc

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