3 Bed Waterfront Home for Sale in Naples
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For SaleMLS# 226018700

$498,900

3 Bed Waterfront Home for Sale in Naples

4501 Cardinal Cove Lane, Naples, FL, 34114

3 beds2 baths1,913 sqft2 garage
GatedGolfPickleballTennisBocceBeach AccessFitness CenterClubhousePlaygroundCommunity PoolOn-site DiningWaterfront

About this home

Enjoy serene lake and sunset views from this beautifully maintained former Gulf Bay model residence with desirable western exposure, offering an exceptional opportunity to enjoy relaxed luxury living in a thoughtfully designed setting. This Silverthorne floor plan features 1,913 square feet of living space and 2,605 total square feet, with two bedrooms plus a den, spacious indoor and outdoor living areas, and a two-car garage. From the screened lanai, take in peaceful water views and glowing sunsets while benefiting from the home’s ideal orientation and tranquil surroundings. The interior showcases timeless design with 15-by-15-inch porcelain tile laid on the diagonal throughout the main living areas, recessed lighting, decorative wall molding and Fanimation ceiling fans. The living room opens seamlessly to the lanai through sliding glass doors, creating an inviting flow for entertaining or everyday living. The kitchen offers Corian countertops, wood cabinetry, a Kohler cast-iron porcelain sink, recessed lighting, breakfast bar seating for two and GE appliances, including a side-by-side refrigerator, smooth-top range, built-in microwave and dishwasher. Privately situated, the primary suite enjoys calming lake views, decorative wall molding, two walk-in closets with double shelving, and a spacious bath featuring dual cultured marble vanities, a separate tub and shower, glass-enclosed walk-in shower and private water closet. The guest bedroom and den are finished with Berber carpeting and ceiling fans, while the den also features French doors with glass inserts leading to a private paver patio, offering flexibility for a home office or media space. The guest bath includes porcelain tile flooring, cultured marble vanity, linen closet, and tub/shower combination with frameless glass enclosure. Additional highlights include a roof replaced in 2019, HVAC system replaced in 2022 and a 50-gallon electric water heater installed in 2021. The laundry room offers white cabinetry, utility sink, and GE washer and dryer. The two-car garage features a painted floor for a clean finish. Combining lakefront ambiance, quality Gulf Bay construction and distinction of a former model residence, this home presents a rare opportunity to personalize and enjoy Southwest Florida living. Residents enjoy access to a 54,000-plus-square-foot club and spa featuring poolside and fine dining, a fitness center with classes and training, resort-style pools with waterfalls and slides, spa services, sauna, steam room, tennis and pickleball, bocce and a full social calendar. Optional memberships are available at The Tarpon Club for beach and marina access, and The Golf Club with its newly renovated course and clubhouse. Ideally near Marco Island, downtown Naples, the executive airport, and Gulf beaches, dining and shopping, this residence offers an exceptional resort lifestyle in one of the area’s premier gated communities.

Property details

Type
Attached
Year built
2000
Interior
1,913 sqft
Lot size
5,662.8 sqft
Acreage
0.13 acres
Garage
2 car
Days on market
83
Total association fees
$8,408/yr (~$701/mo)
CDD
None
Est. taxes (1.4%)
$6,985/yr
Flood zone (area est.)
Not available
Storm protection
None listed
Exposure
West
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

AssociationManagementCableTvInternetIrrigationWaterLegalAccountingMaintenanceGroundsMaintenanceStructurePestControlRecreationFacilitiesRoadMaintenanceStreetLightsSecurityTrash

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

Amenities

BeachRightsBocceCourtClubhouseFitnessCenterGolfCourseLibraryPlaygroundPickleballParkPrivateMembershipPoolPuttingGreensRestaurantSaunaSpaHotTubSidewalksTennisCourtsTrailsManagement
Below marketThis home is priced below comparable recent sales, a potential value.
This home
$261/sqft
Comp median
$285/sqft
Difference
-8%

Based on the $/sqft of 7 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.

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Your notes on this home

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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
3990 Deer Crossing Court 102Jun 2026$400,0003/21,957$204
3970 Deer Crossing Court 106Mar 2026$530,0003/21,777$298
3960 Deer Crossing Court 103Jun 2026$410,0003/21,957$210
3668 Treasure Cove CourtFeb 2026$575,0003/32,006$287
1600 Summerlit AvenueMay 2026$571,0003/22,007$285
1557 Panoramic vista AvenueJul 2026$510,0002/21,916$266
Average6 comps$499,333$258

Market trends, Naples

Median list
$677,000
Median $/sqft
$367
Median sold (90d)
$605,000
Avg days on market
112
Active listings
3,977
Median sold price · Naples
$605,000last 3 months3.2% vs $625,000 prior 3 months
Median closed price by month · Naples
1.7% MoM4.2% YoY
$530k$600k$670kJul ’25Aug ’26
$590,000Aug ’26 · 469 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.

The good, the trade-offs & the location

Pros
  • Waterfront
  • 2-car garage
Consider
  • Built 2000 — pre-2002 construction may carry older wind codes and higher insurance
Location convenienceModerate
Hospital
10.5 mi
Physicians Regional (Naples)
Beach
10 mi
Naples Pier / Beach
Airport
9.8 mi
Naples Airport
Shopping
10.9 mi
Coastland Center (Naples)

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

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Nearby schools

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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.