4 Bed Waterfront Home for Sale in Naples, FL, $649,999
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For SaleMLS# 226027319

$649,999

4 Bed Waterfront Home for Sale in Naples, FL, $649,999

14658 Fern Lake Court, Naples, FL, 34114

4 beds3 baths2,602 sqft2 garage
GatedBocceFitness CenterClubhouseCommunity PoolWaterfront

About this home

One or more photo(s) has been virtually staged, AI generated or rendered. Beautiful lake views set the tone for this spacious 4-bedroom + den, 3-bath home in Reflection Lakes. Overlooking a serene lake, the home offers a peaceful backdrop that can be enjoyed from the main living areas and lanai. Inside, the warm and inviting two-story floor plan offers generous living space, flexible rooms, and an easy flow for both everyday living and entertaining. The kitchen opens seamlessly to the great room and features a large center island with seating, white cabinetry, granite countertops, stainless steel appliances, and a walk-in pantry. There is plenty of room for a large farmhouse-style dining table, making this a wonderful gathering space for family and friends. Sliding glass doors open to the lanai, bringing the outdoor setting into view and creating a natural connection between the interior and exterior living spaces. The first floor includes a private bedroom, full bath, and a versatile den ideal for a home office, study, or additional sitting area. Upstairs, the expansive loft offers exceptional flexibility and can serve as a media room, game room, workout space, study area, or second family room. Three additional bedrooms are also located upstairs, including the spacious owner’s suite featuring an electric fireplace with shiplap surround, walk in closet, and a spa-inspired bath with a large soaking tub, glass-enclosed shower, separate water closet, dual vanities, and generous storage. Additional features include tile flooring throughout the main living areas, newer luxury vinyl plank flooring, two guest baths with updated modern faucets and painted cabinetry, dual-zone A/C with one newer unit, and a two-car garage with epoxy flooring, overhead storage racks, and an additional refrigerator. Reflection Lakes offers gated, amenity-rich living with two community pools, a clubhouse, fitness center, library, card room, bocce, billiards, ballroom with catering kitchen, and an active social calendar. LOW HOA fees include irrigation, landscaping and yard maintenance, DIRECTV with premium channels, upgraded Wi-Fi equipment, and on-site community management. There is NO CDD. Conveniently located near grocery stores, medical services, Downtown Naples, Marco Island, beaches, shopping, and dining, this is a wonderful opportunity to enjoy spacious lakefront living with flexible indoor and outdoor spaces in Reflection Lakes of Naples.

Property details

Type
SingleFamilyResidence
Year built
2013
Interior
2,602 sqft
Lot size
6,969.6 sqft
Acreage
0.16 acres
Garage
2 car
Days on market
0
Total association fees
$1,484/yr (~$124/mo)
CDD
None
Est. taxes (1.4%)
$9,100/yr
Flood zone (area est.)
Not available
Storm protection
Shutters
Exposure
Southwest
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

AssociationManagementCableTvInternetIrrigationWaterLegalAccountingMaintenanceGroundsRecreationFacilitiesReserveFundRoadMaintenanceStreetLightsSecurityTrash

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

Amenities

BocceCourtBilliardRoomBilliardsClubhouseFitnessCenterHobbyRoomLibraryPoolSidewalksTrailsManagement
At marketThis home is priced in line with comparable recent sales.
This home
$250/sqft
Comp median
$261/sqft
Difference
-4%

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
14614 Fern Lake CourtSep 2025$667,5004/32,559$261
9292 BELLE Court 201Feb 2026$650,0003/32,599$250
9223 Corfu Court 202Mar 2026$670,0003/32,512$267
9242 Tesoro Lane 1-203Apr 2026$705,0003/32,512$281
3164 Serena Lane 101Nov 2025$625,0003/32,408$260
3031 Marengo Court 204Mar 2026$555,0003/32,599$214
Average6 comps$645,417$256

Market trends — Naples

Median list
$679,900
Median $/sqft
$370
Median sold (90d)
$625,000
Avg days on market
110
Active listings
4,187
Median sold price · Naples
$625,000last 3 months1.6% vs $635,000 prior 3 months
Median closed price by month · Naples
1.6% MoM11.4% YoY
$530k$599k$668kJul ’25Jul ’26
$635,000Jul ’26 · 457 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
  • Built 2013 — post-2002 Florida wind codes (typically lower insurance)
  • Waterfront
  • Storm protection: Shutters
  • 2-car garage
Location convenienceHigh
Hospital
10 mi
Physicians Regional (Naples)
Beach
10.8 mi
Naples Pier / Beach
Airport
10.1 mi
Naples Airport
Shopping
11.3 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.