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4610 Saint Croix LN #1031, Naples, FL, 34109

3beds
2baths
1,314sqft
$315,000
$240price/sqft
$2,259/moest. monthly cost
$90,360/yrincome needed

About This Home

Welcome to your dream lakefront condo in St. Croix at Pelican Marsh, a desirable gated community in North Naples offering an exceptional resort-style lifestyle. Residents enjoy outstanding amenities including a resort-style pool and spa, fitness center, tennis/pickleball, clubhouse, BBQ area, playground, dog park, valet trash service five days a week, and rare storage options for your RV or boat. This light and bright 3-bedroom, 2-bath end-unit condo features an open-concept floor plan with abundant natural light and peaceful lake views. The spacious living and dining areas flow seamlessly to a private screened lanai - perfect for relaxing or entertaining. The kitchen is appointed with granite countertops and stainless steel appliances, while the updated bathrooms add a modern touch. Primary suite features walk-in closet and ensuite bath. Additional highlights include a plantation shutters, generous living space and a private garage for added convenience. Offered turnkey furnished. Ideally located just minutes from Vanderbilt Beach, Mercato, and some of Naples’ best shopping, dining, and entertainment, this home offers both comfort and convenience in one of North Naples’ most sought-after locations. St. Croix is a pet-friendly community allowing up to two pets (with a 40 lb. weight limit) and permits both seasonal and annual rentals, making this property an excellent option for a full-time residence, vacation getaway, or investment opportunity. Low condo fees include Wi-Fi and cable, adding even more value to this exceptional property. Enjoy the best of Southwest Florida living in this beautifully located lakefront condo.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

10/10
10/10
6/10
Gulf Coast High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1999

Materials

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

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

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

Bedrooms & Bathrooms

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

Dining Room

  • Features: Breakfast Bar, Dining - Living

Features

  • Fire Sprinkler,Smoke Detectors,Walk-In Closet(s),Window Coverings,Laundry in Residence,Screened Lanai/Porch
  • Window features: Window Coverings
  • Flooring: Carpet,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,415
  • Total interior livable area: 1,314 sqft

Kitchen

  • Features: Pantry

Property

Details

  • Parcel number: 71825004663

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Patio,Screened Lanai/Porch
  • Spa features: Community
  • Has view: Yes
  • View description: Lake,Water Feature
  • Has water view: Yes
  • Water view: Lake,Water Feature
  • On waterfront: Yes
  • Waterfront features: Lake
  • Frontage type: Lakefront

Lot

  • Features: Regular

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Coastal Flooding
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 $1,592$19,104
Home Insurance *$212$2,544
Property Taxes $258$3,096
Electricity $197$2,366
Total$2,259$27,108
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,451/yr
40% on housing$67,770/yr
45% on housing$60,240/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

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 34109$449
Collier County$526

vs Homes Sold Last Month

Median $/sqft

ZIP 34109$412
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
2026-05-08Price change$332,500
2026-03-06Listed for sale$350,000
2011-08-05Sold$104,000
2011-05-15Listed for sale$129,900
2010-03-23Sold$95,000
2006-01-19Sold$262,000

For Sale by Agent

AgentDebbie Kroeger
BrokerageRealty One Group MVP

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