Active Condominium
$430,000
3-Bedroom Condo in CAY LAGOON

2145 Cay Lagoon Dr 322, Naples, FL 34109

Condominium in CAY LAGOON, Naples · No CDD on record
CAY LAGOON · Naples, FL 34109 · Collier County
Listing data checked against the MLS October 30, 2026 at 2:00 PM ET · rechecked hourly
3Bedrooms
3Bathrooms
1,654Sq Ft
1997Year Built
$260Per Sq Ft
No CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Highlights

2145 Cay Lagoon DR 322 in Cay Lagoon, Naples is listed at $430,000 (1,654 sq ft, about $260 per sq ft). It came to market within the past week. Listing facts: built in 1997. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1997 · 29 yrs
  • 1,654 sq ft of living area
  • Active listing
Listing description

About this home

Set along a quiet lake within Cay Lagoon, Residence 322 offers 1,654 square feet of light-filled living in one of Naples’ most convenient corridors. The community sits just off Orange Blossom Drive, between Airport-Pulling Road and Goodlette-Frank Road, minutes from The Galleria Shoppes at Vanderbilt, Food & Thought, and Costco, with Vanderbilt Beach, Artis Naples, and Waterside Shops a short drive away. A private exterior stair rises to a covered entry framed by palms, giving this second-floor residence the presence of a stand-alone home.

Inside, the foyer opens to a great room anchored by vaulted ceilings and built-in shelving. The living and dining areas flow together toward sliding glass doors and the defining feature of the home: a screened lanai with an extended open balcony beyond, set above the lake and its fountains. The southwest rear exposure brings warm afternoon light and evening sunsets over the water, making the lanai the natural setting for morning coffee, an afternoon with a book, or dinner as the sky changes color.

The kitchen, finished in crisp white cabinetry with stainless appliances and a breakfast bar, keeps the cook connected to the main living space. The primary suite occupies the lake side of the plan, a quiet retreat with a walk-in closet and a bath appointed with a soaking tub, separate shower, and dual vanity. Two additional bedrooms at the front of the residence are served by a full bath, while a powder room welcomes guests and a dedicated laundry room keeps everyday tasks out of sight.

The work that matters most has already been done. The HVAC system, water heater, and plumbing have all been updated, along with impact sliding glass doors, lighting, ceiling fans, and fixtures, allowing the next owner to focus on settling in rather than scheduling projects. At the building level, a new roof was completed in 2022, followed by fresh exterior paint and new exterior screens in January 2025.

A detached one-car garage completes the offering, adding secure parking and storage. An intimate community of just 32 residences, with eight in each building, Cay Lagoon extends the lifestyle beyond the front door with a clubhouse, a fitness center, and a pool framed by palms, all set among the community’s lakes and landscaped grounds. Residence 322 stands as a rare combination of sunset lake views, updated systems, and a central Naples address.

All 50 photos

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Description provided by John R Wood Properties and reproduced from the MLS; not independently verified.

Listing courtesy of John R Wood Properties · Listing agent: Michelle Trawick · (239) 434-0101Provided via the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange · Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information deemed reliable but not guaranteed by the MLS to be accurate. · Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$430,000
Bed / bath3 / 3
Living area1,654 sq ft
Year built1997
Property typeCondominium
MLS #226037698
Listing statusActive

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~11 ft
CountyCollier
Estimated first-year tax~$4,200/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$260
Estimated monthly payment$2,895
Insurance (illustrative)$2k–$4k/yr

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$2,895/mo
  • Principal & interest $2,344/mo 81%
  • Taxes $350/mo 12%
  • Insurance $200/mo 7%

$2,895/mo at 20% down, 30-yr @ 7.24% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$4,200/yr
≈ $350/mo·effective rate ~0.98%
Estimate: asking price less the $50,000 homestead exemption × Collier County rate (11.05 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $4,000/yr ($333/mo) — taxable value $360,989 × 11.05 mills
$200 more each year
(+5%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$17,929
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$378,918
Market value
$360,989
Assessed
$360,989
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), Florida Gulf Coast MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

What it really costs to own 2145 Cay Lagoon Dr 322

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

Property taxThe current owner's bill is about $4,000/yr (certified county roll, taxable value × millage). Buy at the asking price of $430,000 and the first-year bill resets to about $4,200/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 11.05 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
Home and flood insuranceThe average Citizens Property Insurance premium in Collier County is $2,147/yr (2,002 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 1997. An original roof would be about 29 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~11 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Collier County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Collier County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningVery High
Strong windRelatively Low
DroughtRelatively Moderate
HailVery Low
Cold waveVery High

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Property timeline

This home’s history

  • 1997BuiltPer public record
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $430,000Momentum Realty
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

No closed sales of a similar home within about 10 miles in Collier County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for CAY LAGOON. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

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Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by John R Wood Properties · MLS # 226037698

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Keep looking

Similar homes for sale near CAY LAGOON

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

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Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings

In the area

Recent Cay Lagoon news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Sep 2026 · Retail Dining

Whole Foods confirmed as anchor of 82-acre Vitano mixed-use project in East Naples

Vitano, an 82-acre master planned development at Davis and Santa Barbara boulevards, plans 86,904 sq ft of retail including a 31,995 sq ft Whole Foods, plus 200 townhomes and 422 apartments. The PUD amendment is under county review. The developer hopes to break ground in 2027.

Why it matters: Would add grocery and dining options and several hundred rental and townhome units in East Naples, with retail opening roughly 20 months after construction starts. The site is about 4 miles southeast of Cay Lagoon.

Gulfshore Business

Aug 2026 · Schools

Diocese of Venice shows plans for church and K-12 school in Golden Gate Estates

The Diocese of Venice presented plans on 41 acres at Immokalee Road and Wilson Boulevard for a 1,250-seat church and a 200,000 sq ft K-12 school for up to 1,000 students. A land use amendment is required and construction follows a three-year capital campaign, with the school built first.

Why it matters: Would add private school capacity and a community facility in the Immokalee Road growth area, several years out. The project is about 17 miles northeast of Cay Lagoon, elsewhere in Collier County.

Gulfshore Business

Aug 2026 · Development

Construction underway at 680-acre Brightshore Village in Golden Gate Estates

Barron Collier Companies is building Brightshore Village on Immokalee Road west of Everglades Boulevard North, planning about 2,000 homes and 106,000 to 120,000 sq ft of retail and services. Homebuilder parcels were scheduled to close September 18, with first move-ins targeted for January 2028.

Why it matters: Would add about 2,000 homes and a commercial village center on the Immokalee Road corridor. The project is about 19 miles northeast of Cay Lagoon, elsewhere in Collier County.

Gulfshore Business

May 2026 · Civic

Collier County weighs buying East Naples grove site planned for 423 homes

Collier County commissioners voted on May 13, 2026 to pursue appraisals and negotiations to potentially buy the 166.63-acre former South Naples Citrus Grove at 341 Sabal Palm Road using Conservation Collier funds, rather than advance a proposed 423-home development. The board authorized preliminary assessments estimated at a few thousand dollars for appraisal and environmental review. The grove had become unproductive due to citrus greening disease.

Why it matters: A potential public conservation purchase would remove a large parcel from the housing pipeline and steer its future toward preserved open land. The project is about 9 miles southeast of Cay Lagoon, elsewhere in Collier County.

Gulfshore Business

Go deeper

More on CAY LAGOON

Go deeper on CAY LAGOON

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Collier County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Collier County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 2145 Cay Lagoon DR 322, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1997 (29 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Collier County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,654 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $4,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $200 more per year than the current owner’s estimated bill (+5%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordFGCMLS, checked against the MLS hourly (last: October 30, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Collier County — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of FGCMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 2145 Cay Lagoon DR 322 and when was it built?

Per the listing record, 2145 Cay Lagoon DR 322 was built in 1997 and has 1,654 sq ft of living area, 3 bedrooms and 3 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 2145 Cay Lagoon DR 322 in?

2145 Cay Lagoon DR 322 is in Cay Lagoon in Naples, Collier County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Why might property taxes on 2145 Cay Lagoon DR 322 differ from the current owner's?

The estimate on this page (about $4,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $200 more per year than the current owner’s estimated bill (+5%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 2145 Cay Lagoon DR 322 in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 2145 Cay Lagoon DR 322 in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Florida Gulf Coast Multiple Listing Service, Inc.. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.