3 Bed Waterfront Home for Sale in Pepper Tree
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SoldMLS# 225044505

$674,000

3 Bed Waterfront Home for Sale in Pepper Tree

8540 Pepper Tree Way, Naples, FL, 34114

3 beds2 baths1,825 sqft2 garage
GatedGolfPickleballTennisBocceBoatingBeach AccessFitness CenterClubhousePlaygroundCommunity PoolOn-site DiningWaterfront

About this home

Dreaming of serene lake views, breathtaking sunrises and resort-style living? This beautifully furnished three-bedroom, two-bath home in Pepper Tree at Fiddler’s Creek offers it all, including a split-bedroom layout for privacy and a no-see-um screened lanai framing tranquil water vistas. Ideally near the award-winning Club & Spa and gatehouse, this residence combines peaceful outdoor living with refined interior finishes in one of Naples’ most prestigious communities. Quality built by Gulf Bay. The interior features diagonal tile flooring, volume ceilings, crown molding and modern ceiling fans throughout. The open kitchen is tastefully updated with white modern cabinetry, quartz countertops and backsplash, pantry, under-cabinet lighting, recessed lighting, a single-vessel undermount sink and stainless appliances, including a French-door refrigerator, range, microwave and Bosch dishwasher. A breakfast bar offers casual seating, while the adjacent dining area overlooks lush gardens through a large picture window and provides direct lanai access. Light and airy, the living room includes recessed lighting and glass sliders that open to the lanai, blending indoor and outdoor spaces. The primary suite is a tranquil retreat with lake views, double-door entry, white plantation shutters, lanai access, and custom walk-in closets with built-ins. The en-suite bath is beautifully updated and features a dual-sink quartz vanity, frameless glass walk-in shower with bench, soaking tub, privacy window and linen closet. The guest wing includes two bedrooms—one set up as a home office with built-in cabinetry and Murphy bed—plus an updated full bath with walk-in shower. The screened lanai is ideal for entertaining, offering tile flooring, an updated outdoor kitchen with stone backsplash, built-in barbecue and beverage refrigerator, counter space and wide lake views. Additional features include storm shutters, painted garage floor, newer tankless water heater, washer and dryer, and wood-look LVT flooring in all bedrooms. A new tile roof under one year old adds value and peace of mind. There’s even room to add a pool. Residents of Fiddler’s Creek enjoy a world-class lifestyle with a resort-style Club & Spa featuring indoor and poolside dining, full fitness center with classes and trainers, resort pools, spa, hot tub, sauna, steam room, bocce, tennis, pickleball and year-round events. Optional memberships are available for The Tarpon Club (beach/marina) and The Creek Golf Course with a new clubhouse and renovated course. Nearby are everyday conveniences such as Publix, salon, urgent care, and a new health café/store—plus easy access to Marco Island, downtown Naples, shopping, dining and executive airport.

Property details

Type
SingleFamilyResidence
Year built
1998
Interior
1,825 sqft
Lot size
8,276.4 sqft
Acreage
0.19 acres
Garage
2 car
Days on market
169
Total association fees
$3,184/yr (~$265/mo)
CDD
None
Est. taxes (1.4%)
$9,436/yr
Flood zone (area est.)
Not available
Storm protection
None listed
Exposure
Northeast
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

AssociationManagementCableTvInternetIrrigationWaterLegalAccountingMaintenanceGroundsPestControlReserveFundRoadMaintenanceStreetLightsSecurity

What the association dues cover, per the MLS. Confirm the full schedule with the HOA.

Amenities

BeachRightsBocceCourtMarinaClubhouseFitnessCenterGolfCoursePlaygroundPickleballPoolRestaurantSpaHotTubSidewalksTennisCourtsTrailsManagement
At marketThis home is priced in line with comparable recent sales.
This home
$369/sqft
Comp median
$354/sqft
Difference
+4%

Based on the $/sqft of 5 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.

AddressSoldSold priceBeds/BathsSq ft$/sqft
8556 Pepper Tree WayAug 2026$700,0002/21,808$387
322 Indies Drive 101May 2026$700,0003/21,980$354
3788 Cotton Green Path DriveMay 2026$825,0003/21,965$420
3817 Cotton Green Path DriveAug 2026$684,0003/21,957$350
3970 Deer Crossing Court 106Mar 2026$530,0003/21,777$298
Average5 comps$687,800$362

Market trends, Naples

Median list
$675,000
Median $/sqft
$367
Median sold (90d)
$597,250
Avg days on market
109
Active listings
3,944
Median sold price · Naples
$598,000last 3 months5.1% vs $630,000 prior 3 months
Median closed price by month · Naples
1.3% MoM6.7% YoY
$530k$600k$670kJul ’25Sep ’26
$590,000Sep ’26 · 101 sales

Median of closed MLS sales each month over the available window. Months with too few sales are omitted; the range extends automatically as more sales close.

Live area medians from the MLS · see all listings. Indicative, not an appraisal.

Price & status history

Down $130,000 (17.4%) from the original list price.

Nov 19, 2025Sold$615,000
Jul 28, 2025Price reducedfrom $699,000$674,000
May 7, 2025Listed$745,000

The good, the trade-offs & the location

Pros
  • Waterfront
  • 2-car garage
Consider
  • Built 1998 — pre-2002 construction may carry older wind codes and higher insurance
Location convenienceModerate
Hospital
11.3 mi
Physicians Regional (Naples)
Beach
10.7 mi
Naples Pier / Beach
Airport
10.6 mi
Naples Airport
Shopping
11.7 mi
Coastland Center (Naples)

Straight-line distances to major SWFL amenities, approximate; actual drive times vary.

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Nearby schools

Get more information on their programs, scores, and extracurriculars on each school's page · browse the full schools directory.

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.