2969 Coco Lakes Dr, Naples, FL 34105
Sources: FGCMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
2969 Coco Lakes DR in Coco Lakes, Naples is listed at $3,285,000 (3,720 sq ft, about $883 per sq ft). It has been listed Jul 15, 2026. Listing facts: new construction. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- New construction — built 2027
- 3,720 sq ft of living area
- listed Jul 15, 2026
About this home
One or more photo(s) has been virtually staged, AI generated or rendered. Situated on a private .25-acre cul-de-sac homesite, this to-be-built coastal contemporary residence offers timeless architecture, exceptional craftsmanship, and thoughtfully designed living spaces in one of Naples' most desirable central locations. An exceptional opportunity to build a custom luxury residence by DIVCO Homes, the preferred builder in the exclusive gated estate community of Montebello in Naples.
Located just North of The Estuary and West of Grey Oaks, Montebello offers a premier central Naples address within the Naples High School district, only minutes from Lowdermilk Beach, Fifth Avenue South, Third Street South, Waterside Shops, Mercato, and world-class dining, shopping, and golf. Royal Poinciana Golf Club borders the community, enhancing the peaceful estate setting. Offering 3,720 square feet under air and 4,815 total square feet, this home plan features five spacious en-suite bedrooms, five full baths, a private office, with one of the bedrooms being a versatile, detached cabana/flex suite - ideal for guests, extended family, an au pair, media room, or fitness studio.
A dramatic great room with soaring ceilings flows seamlessly into the dining area and designer chef's kitchen featuring an oversized island, custom cabinetry, premium appliances, a gas cooktop and wood floors throughout. Expansive 10-foot zero-corner pocket sliding glass doors open to an exceptional outdoor living area complete with a covered lanai, summer kitchen with built-in grill, refrigerator, bar sink, and a custom saltwater pool and spa with sun shelf—creating the perfect setting for year-round entertaining. The estate home will be built to the latest FEMA standards, including impact-resistant windows and doors, a buried 500-gallon propane tank, generator-ready infrastructure, and a three-car garage.
Included are premium DIVCO custom plans ready to build or you can customize to your personal vision, presenting a rare opportunity to create a one-of-a-kind luxury residence in one of Naples' most sought-after gated neighborhoods on a premium cul-de-sac lot. One or more photos have been virtually staged, AI-generated, or are artist renderings.
All 13 photos
Description provided by Compass Florida LLC and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for COCO LAKES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $17,803/mo 83%
- Taxes $2,874/mo 13%
- Insurance $839/mo 4%
$21,517/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 2969 Coco Lakes Dr
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 tax | The current owner's bill is $7,347/yr per the MLS listing record (TaxAnnualAmount, 2026-11-12). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed. |
|---|---|
| Home and flood insurance | The 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 $7,000–$14,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2027. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
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.
Internet & broadband — how to check availability for this address
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Coco Lakes market
How this home is priced against recent nearby sales, and where Coco Lakes has been over 25 years. Momentum Research analysis of Florida Gulf Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Median $/sq ft by year
Community sold $/sq ft, 2021–2023. This home lists at $883/sq ft.
Median sale price by year
12-month median closed price, 2021–2023.
This home’s history
- 2027BuiltPer public record
- About Jul 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jul 15, 2026)
- Aug 4, 2026First seen on our siteObserved at $3,350,000
- Oct 29, 2026Price cut$3,285,000 (-$65,000, -1.9%)
- 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.
Price & listing history
Building permits
The Momentum read
34% of homes in Coco Lakes are owner-occupied. An estimated 66% are non-owner-occupied, including 55% held in a company or trust and 15% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 39 homes matched. Community-level context.
What’s unique here: one of only 6 active listings in Coco Lakes, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 2969 Coco Lakes DR?
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 Compass Florida LLC · MLS # 226024385
Request a showing
Similar homes for sale near COCO LAKES
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.
Newest listings in Naples
- 4630 Hawks Nest Dr 203, Naples · $395,000 · 3 bd / 2 ba · listed November 12, 2026 (courtesy of Bluewater Signature Realty LLC)
- 3740 Fieldstone Blvd 1003, Naples · $310,000 · 3 bd / 2 ba · listed November 12, 2026 (courtesy of Serhant-Naples)
- 546 14th St N, Naples · $600,000 · 3 bd / 2 ba · listed November 12, 2026 (courtesy of Century 21 AllPoints Realty)
- 4010 Loblolly Bay Dr 302, Naples · $299,900 · 2 bd / 2 ba · listed November 12, 2026 (courtesy of Sun Realty International, Inc)
- 8479 Volaro Way, Naples · $629,000 · 2 bd / 2 ba · listed November 12, 2026 (courtesy of The Keyes Company)
- 136 Harrison Rd L3, Naples · $204,000 · 2 bd / 2 ba · listed November 12, 2026 (courtesy of Villamar Real Estate & Investm)
Recently off market in COCO LAKES
- 2844 Coco Lakes Dr · last listed $1,599,000 · 2026-10-24
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
More on COCO LAKES
Go deeper on COCO LAKES
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
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.
See schools in the COCO LAKES guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 34105 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 2969 Coco Lakes DR, chosen from what the record shows. This is general guidance, not advice about this specific property.
- New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- 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 3,720 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 $34,492/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | FGCMLS, checked against the MLS hourly (last: November 12, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 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.
Frequently asked questions
How big is 2969 Coco Lakes DR and when was it built?
Per the listing record, 2969 Coco Lakes DR was built in 2027 and has 3,720 sq ft of living area, 5 bedrooms and 5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2969 Coco Lakes DR in?
2969 Coco Lakes DR is in Coco Lakes 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 2969 Coco Lakes DR differ from the current owner's?
The estimate on this page (about $34,492 per year) assumes reassessment at the list price less the homestead exemption. 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 2969 Coco Lakes DR in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.
See 2969 Coco Lakes DR 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.
Momentum Realty · licensed in FL & GA
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.
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.
Estimates, methodology & disclaimers
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.
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.