Condominium in FOUR FOUNTAINS, Naples · No CDD on record
FOUR FOUNTAINS · Naples, FL 34113 · Collier County
Listing data checked against the MLS November 6, 2026 at 8:30 PM ET · rechecked hourly
Listed by Keller Williams Elite Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
3Bathrooms
1,384Sq Ft
1974Year Built
$145Per 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.
13% below
$/sq ft vs community
$145 here vs $166 median sold (12 mo)
Buyer leverage
Seller-leaning
9 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
31 Watercolor WAY 31 in Four Fountains, Naples is listed at $200,000 (1,384 sq ft, about $145 per sq ft). That sits within a few percent of Four Fountains's median closed sale of $190,000 over the last 12 months (5 recorded sales). Per square foot it is below the community's recent $166/sq ft by about 13%. It has been listed Oct 23, 2026, well inside the community's typical 73 days. Listing facts: built in 1974, HOA dues of $803/mo. 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 1974 · 52 yrs
1,384 sq ft of living area
listed Oct 23, 2026
HOA $803/mo (per listing)
Listing description
About this home
Welcome to Four Fountains, a desirable Naples community offering an incredible opportunity to own for just $200,000! This spacious two-story townhome features nearly 1,400 square feet of living space, 2 bedrooms, 2.5 bathrooms, and an attached one-car garage. The main level offers an open and inviting layout with a spacious living and dining area, tile flooring throughout, and a remodeled kitchen featuring granite countertops and plenty of cabinet space.
Sliding glass doors open to a large screened lanai and additional outdoor paved area, providing plenty of room to relax and enjoy the Florida lifestyle. A convenient half bathroom is also located on the first floor. Upstairs, you'll find two generously sized bedrooms, each with its own private bathroom featuring a walk-in shower.
The second floor is carpeted, and a stairlift is already installed for added convenience. Additional features include a newer A/C system and a new roof. Four Fountains offers a community pool, clubhouse, tennis courts, and shuffleboard.
Recent community improvements include newer roofs, fresh pavement, updated landscape lighting, and refreshed landscaping. The community is non-gated and allows rentals up to 12 times per year with a 30-day minimum, offering flexibility for both seasonal owners and investors. Conveniently located next to Hibiscus Golf Club, a public golf course, and just minutes from Downtown Naples, Fifth Avenue South, the U.
S. Open Pickleball Center, shopping, restaurants, and Naples' beautiful white-sand beaches. Whether you're looking for a full-time residence, vacation getaway, or investment property, this townhome offers a great opportunity to enjoy everything Naples has to offer at an affordable price.
Schedule your private showing today!
All 48 photos
Description provided by Keller Williams Elite Realty and reproduced from the MLS; not independently verified.
Listing courtesy of Keller Williams Elite Realty · Listing agent: Kayla Marie Hunter · (239) 949-8338Provided 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.
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 FOUR FOUNTAINS. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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$200,000
Bed / bath2 / 3
Living area1,384 sq ft
Year built1974
Property typeCondominium
MLS #226036879
Listing statuslisted Oct 23, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~11 ft
CountyCollier
Area listings1 active · 0 under contract
Estimated first-year tax~$1,650/yr
CDD assessmentNone on record
HOA$803/mo
Calculated estimates
Price per sq ft$145
Estimated monthly payment$2,139
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$190,000
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
$2,139/mo
Principal & interest $1,090/mo51%
Taxes $138/mo6%
Insurance $108/mo5%
HOA $803/mo38%
$2,139/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
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 $350/yr ($29/mo) — taxable value $32,614 × 11.05 mills
$1,300 more each year
(+371%)
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
$238,426
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.
$271,040
Market value
$88,336
Assessed
$32,614
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.
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 31 Watercolor Way 31
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 about $350/yr (certified county roll, taxable value × millage). Buy at the asking price of $200,000 and the first-year bill resets to about $1,650/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.
HOA dues
$803/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 $1,000–$2,000/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 age
Built in 1974. An original roof would be about 52 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 carrying cost at the asking price, before the mortgage: about $1,119/month (tax $138, HOA $803, insurance $179). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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)
$1k–$2k/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
$803/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
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.
Momentum Research · Four Fountains
Pricing & the Four Fountains market
How this home is priced against recent nearby sales, and where Four Fountains 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.
Price vs. size in Four Fountains
Each dot is a closed sale since 2014 (52 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). FGCMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $145/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Property timeline
This home’s history
1974BuiltPer public record
Oct 15, 2026First seen on movewithmomentum.comObserved at $200,000
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 $200,000Keller Williams Elite Realty · listed Oct 23, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
68/100
Strongest on: Pricing power (100), Flood safety (90)
0 limited50100 exceptional
68/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area82
This home $145/sq ft vs the community 12-month median $166/sq ft.
Affordability41
List price $200,000 vs the community median $190,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost51
From FEMA Zone X and a 1974 build. Obtain a property-specific quote.
Market liquidity42
Community median 73 days on market (12-month record).
Pricing power100
Recent sales closed at about 83.8% of original asking (~16.2% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $145 per square foot, about 13% below the community’s $166 median. Four Fountains’s 12-month median sold price per square foot is $166. Confidence: Low · 5 closed sales in 12 monthsMLS facts: FGCMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Four Fountains sales closed near 83.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of FGCMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Four Fountains, no CDD assessment.
Checked against the MLS November 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Keller Williams Elite Realty · MLS # 226036879
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Keep looking
Similar homes for sale near FOUR FOUNTAINS
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
American Airlines to resume Naples flights with twice-daily Charlotte service
The Naples Airport Authority approved an operating agreement on Oct. 15 for nonstop CRJ-700 flights to Charlotte starting Dec. 2. Flights will use the North Road Terminal now being renovated, and the airport expects about $650,000 in annual revenue. The airport's last commercial flight was in 2017.
Why it matters: Scheduled commercial service returns to Naples, shortening travel for residents and visitors connecting through Charlotte. The site is about 8 miles south of Four Fountains.
Naples begins $8M beach renourishment with 208,000 tons of sand
Sand placement started the week of Oct. 26 along about 3.5 miles of shoreline from Doctors Pass to south of 21st Avenue. Roughly 9,450 truck trips will deliver the sand, with work expected to finish by Christmas. The beach stays open, with sections temporarily closed as crews work.
Why it matters: Expect truck traffic at beach access points and short-term section closures through December, followed by a wider beach and added storm buffering for nearby streets. The project is about 9 miles south of Four Fountains, elsewhere in Collier County.
Paragon Theaters to open 11-screen cinema at Mercato in North Naples
Mercato's leasing agent announced on Oct. 21 that Paragon Theaters signed a lease for about 33,700 square feet on the second floor, formerly home to Alamo Drafthouse and Silverspot. The cinema is expected to open in early 2027 with premium large-format screens and in-seat dining. Paragon will keep its Pavilion location on U.S. 41 North.
Why it matters: Refills a vacant entertainment space at Mercato and restores a movie option within the North Naples retail district. The site is less than a mile south of Four Fountains.
Ritz-Carlton Residences, Estero Bay tops off second tower
The second of two 22-story towers at 5000 Coconut Road reached full height on Sept. 18, 2026, completing the 224-residence project by London Bay and Coastal Construction. Tower One is more than 90% purchased and Tower Two about 45%. Move-ins and completion are scheduled for August 2027.
Why it matters: Adds high-end waterfront condominium inventory in the Estero and Bonita Springs area, with completion expected in August 2027. The site is about 8 miles north of Four Fountains.
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.
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.
Items worth confirming for 31 Watercolor WAY 31, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1974 (52 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 1,384 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 $1,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,300 more per year than the current owner’s estimated bill (+371%). 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 record
FGCMLS, checked against the MLS hourly (last: November 6, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Collier County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; 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.
Answered before you ask
Frequently asked questions
How big is 31 Watercolor WAY 31 and when was it built?
Per the listing record, 31 Watercolor WAY 31 was built in 1974 and has 1,384 sq ft of living area, 2 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 31 Watercolor WAY 31 in?
31 Watercolor WAY 31 is in Four Fountains 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.
Does 31 Watercolor WAY 31 have an HOA, and how much are the dues?
The listing reports HOA dues of $803 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 31 Watercolor WAY 31 differ from the current owner's?
The estimate on this page (about $1,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,300 more per year than the current owner’s estimated bill (+371%). 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 31 Watercolor WAY 31 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 31 Watercolor WAY 31 in person
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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.
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.
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1 / 1 photosListing courtesy of Keller Williams Elite Realty
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
