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20 Heritage WAY, Naples, FL, 34110

4beds
2baths
2,013sqft
$749,900
$373price/sqft
$5,346/moest. monthly cost
$213,840/yrincome needed

About This Home

Tropical Preserve-View Retreat in North Naples | Updated Home | Fully Furnished Option | Low HOA. Tucked against a protected preserve, this North Naples home offers rare privacy on a quiet, walkable street in Falcon Ridge. Beautifully maintained and framed by lush tropical landscaping, it blends comfort and effortless Florida living. Set on one of the community's elevated streets, where flood insurance is not currently required, and benefits from low-density living with HOA fees of just $500/year. Move-in ready, with the option to purchase fully furnished, down to furnishings, décor, kitchenware, and everyday essentials. From the moment you arrive, the mature live oak, charming front yard, and inviting curb appeal create a warm first impression. Inside, vaulted ceilings, rich wood flooring, and abundant natural light enhance the airy open-concept design. Large windows frame peaceful garden views from nearly every room. The kitchen opens generously to the main living space, with ample counter space and storage that make it as functional for everyday cooking as it is for hosting. Multiple accesses connect the main living spaces to the Florida room and outdoor areas, making it easy to enjoy both indoor and outdoor living. The well-designed floor plan includes two front guest bedrooms, one currently styled as an office and music room, a third bedroom, and a spacious primary suite tucked privately toward the rear of the home. Major updates provide peace of mind, including: -New roof (2024) -HVAC system (2023) -Water heater (2024) -Several new appliances (2026) Currently zoned for Veterans Memorial Elementary, North Naples Middle School, and Aubrey Rogers High School. School assignments should be independently verified by buyers. One of the home’s most unique features is its curated tropical permaculture garden, offering an extraordinary collection of mature fruit trees and edible landscaping, creating a truly private backyard oasis, unique in North Naples.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

10/10
6/10
Aubrey Rogers High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 2004

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator/Freezer,Reverse Osmosis,Self Cleaning Oven,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Built-In Cabinets,Coffered Ceiling(s),Smoke Detectors,Vaulted Ceiling(s),Walk-In Closet(s),Screened Lanai/Porch
  • Window features: Shutters - Manual
  • Flooring: Carpet,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,324
  • Total interior livable area: 2,013 sqft

Property

Details

  • Parcel number: 32383000960
  • Zoning: RSF-3

Features

  • Stories: 1
  • Patio & porch: Screened Lanai/Porch
  • Has view: Yes
  • View description: Preserve
  • Waterfront features: None

Lot

  • Lot size: 0.30 Acres
  • Features: Regular

Parking

  • Total spaces: 2
  • Parking features: Driveway,Electric Vehicle Charging Station(s),Paved,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
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
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 $3,791$45,492
Home Insurance *$759$9,108
Property Taxes $594$7,128
Electricity $202$2,431
Total$5,346$64,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$183,291/yr
40% on housing$160,380/yr
45% on housing$142,560/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

$373This listing

vs Other Active Listings

Avg $/sqft

ZIP 34110$462
Collier County$526

vs Homes Sold Last Month

Median $/sqft

ZIP 34110$396
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
2026-07-18Price change$749,900
2026-06-24Listed for sale$779,000
2026-06-22Pending sale$779,000
2026-06-20Price change$779,000
2022-09-17Listing removed--
2022-09-15Price change$5,350
2022-09-03Price change$5,500
2022-08-25Listed for rent$6,500
2021-12-16Pending sale$710,000
2021-11-20Price change$710,000
2021-11-02Pending sale$729,000
2020-08-24Sold$395,000
2016-11-04Listing removed$439,500
2016-09-26Price change$439,500
2016-07-11Listed for sale$479,500
2016-02-15Sold$351,750
2015-12-03Price change$295,000
2015-11-24Price change$154,000
2015-11-21Price change$295,000
2015-11-09Listed for sale$168,000
2014-11-11Listing removed$168,000
2014-11-07Listed for sale$168,000
2014-09-30Listing removed$321,700
2014-09-19Price change$321,700
2014-08-30Price change$168,000
2014-08-25Listed for sale$321,700
1998-06-18Sold$38,000

For Sale by Agent

AgentNaomi Massana
BrokerageEXP Realty LLC

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