$304,900
2 Bed Waterfront Home for Sale in Terrace
8670 Cedar Hammock Circle 232, Naples, FL, 34112
About this home
TURNKEY – BUNDLED GOLF – GOLF & WATER VIEWS – ASSESSMENTS PAID IN FULL! Located in the Terrace at Cedar Hammock Isles, this beautifully positioned residence offers a peaceful setting with stunning views of both the golf course and tranquil water landscapes. This move-in-ready condo is being sold turnkey, making it ideal for a seasonal retreat, full-time living, or an investment opportunity. Inside, the home provides a comfortable and inviting layout designed to maximize the scenic surroundings, allowing you to enjoy serene golf and water views from your living space and lanai. Additional updates include a new water heater installed in July 2025, and the benefit of assessments paid in full, providing added value and peace of mind for the next owner. The quiet, well-maintained community enhances the overall sense of relaxation and privacy. Cedar Hammock is a highly desirable bundled golf community, offering residents access to a beautifully maintained championship golf course along with recently updated amenities. Enjoy a vibrant lifestyle with a clubhouse, resort-style pool, fitness center, tennis courts, and an active social calendar—all set within lush landscaping and scenic natural surroundings. Schedule your showing today! THIS PROPERTY QUALIFIES FOR A 1% LENDER INCENTIVE IF USING PREFERRED LENDER, INQUIRE FOR MORE DETAILS**
Property details
- Type
- Condominium
- Year built
- 2002
- Interior
- 1,232 sqft
- Lot size
- Not specified
- Acreage
- Not specified
- Garage
- None
- Days on market
- 125
- Total association fees
- $14,588/yr (~$1,216/mo)
- CDD
- None
- Est. taxes (1.4%)
- $4,269/yr
- Flood zone (area est.)
- Yes · High risk (AH)
- Storm protection
- None listed
- Exposure
- East
- Waterfront
- Yes
- Gulf access
- No
- Gulf access type
- N/A
- Pool
- No
- Spa
- No
- Natural gas
- No
- Water
- Public
- Sewer
- Public Sewer
- New construction
- No
- Pets
- Call, Conditional
- County
- Collier
Total association fees sums the core association dues the MLS feed provides (HOA, condo/master association, and land lease), normalized to a yearly figure. These are separate from and additional to specialty charges, mandatory club or food-and-beverage minimums, special assessments, and rec-lease fees, which the IDX feed does not carry. Always confirm the full fee schedule with the HOA or listing agent.
Maintenance included in the fee
What the association dues cover, per the MLS. Confirm the full schedule with the HOA.
Amenities
Flood risk shown is an area-level estimate and can differ from a specific unit's actual FEMA designation (which varies by structure and elevation). Look up this address on the FEMA Flood Map and verify with a licensed insurance agent before relying on it.
Based on the $/sqft of 13 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.
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Recently sold nearby
Closed comparable sales within ~1 mile in the last 12 months, similar price, size, beds/baths, and age.
| Address | Sold | Sold price | Beds/Baths | Sq ft | $/sqft |
|---|---|---|---|---|---|
| 8680 Cedar Hammock Circle 132 | Nov 2025 | $310,000 | 2/2 | 1,232 | $252 |
| 8680 Cedar Hammock Circle 146 | Apr 2026 | $280,000 | 2/2 | 1,232 | $227 |
| 8570 CEDAR HAMMOCK Circle 812 | Mar 2026 | $350,000 | 2/2 | 1,414 | $248 |
| 8580 Cedar Hammock Circle 714 | Oct 2025 | $327,000 | 2/2 | 1,414 | $231 |
| 8620 Cedar Hammock Circle 1113 | Mar 2026 | $340,000 | 2/2 | 1,414 | $240 |
| 8505 Naples Heritage Drive 141 | Jun 2026 | $275,000 | 2/2 | 1,232 | $223 |
| Average | 6 comps | $313,667 | $237 |
Market trends, Terrace
Live community medians from the MLS · see all listings. Indicative, not an appraisal.
Price & status history
Down $10,000 (3.2%) from the original list price.
| Jun 9, 2026 | Price reducedfrom $314,900 | $304,900 |
| Apr 23, 2026 | Listed | $314,900 |
The good, the trade-offs & the location
- Built 2002 — post-2002 Florida wind codes (typically lower insurance)
- Waterfront
- In a higher-risk flood zone (AH) — flood insurance likely required
- No garage listed
- Higher association fees (~$14,588/yr)
Straight-line distances to major SWFL amenities, approximate; actual drive times vary.
Nearby schools
Get more information on their programs, scores, and extracurriculars on each school's page · browse the full schools directory.
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Listing information is provided in part by the Florida Gulf Coast Multiple Listing Service (MLS) through its Broker Reciprocity / Internet Data Exchange (IDX) program. Properties displayed may be listed by brokerages other than SWFL Relocation Team. Data is deemed reliable but is not guaranteed accurate by the MLS or this brokerage and should be independently verified. Fees, flood zones, taxes, square footage, and school assignments are estimates from the feed and must be confirmed. © 2026 SWFL Relocation Team. All rights reserved.