Naples beach at sunset

The Kregg Team · Coldwell Banker Realty

The Naples
Buyer's Journal

Straight answers for buying well in Naples, Florida

Vol. I · 2026 · Eighteen Features

The straight story on Naples insurance

What $1.5 million really buys here

Reading any HOA or condo association before you commit

In This Issue

Contents

Part I

Coming Home to Naples

1 Property Taxes: Florida vs. the NortheastDramatically lower, with a catch worth understanding. New Jersey carries the highest property tax burden in the nation a... › 2 Claiming Your Florida Homestead ExemptionIt is Florida's thank-you for becoming a resident: roughly $50,000 off your primary home's assessed value (about $51,000... › 3 What a Move to Naples Really CostsBudget three buckets: the move itself (long-distance movers from the Northeast commonly quote several thousand to the lo... › 4 What $1.5 Million Buys in NaplesIn the affluent coastal towns of the Northeast, $1.5 million often buys a well-kept but modest home blocks from the wate... › 5 When to Buy: Timing the Naples MarketThere are two good answers. Season (roughly January through April) offers the deepest inventory and the most competition... › 6 The Straight Story on Naples InsurancePlan on more than you paid up north. Southwest Florida homeowners policies commonly run in the range of roughly $4,000 t... ›

Part II

The Neighborhoods

7 Park Shore or The Moorings?They are neighbors along the same stretch of Gulf shoreline west of US-41, and both deliver the classic Naples waterfron... › 8 Pelican Bay, ExplainedPelican Bay is North Naples' flagship community: roughly 6,000 acres of high-rises, villas, and single-family neighborho... › 9 Golf Equity Memberships, DemystifiedIn many Naples golf communities, the course is owned by a member club, and joining means purchasing an equity stake plus... ›

Part III

The Association Files · Homes, Condos & HOAs

10 The Naples Condo Buyer's Diligence GuideBefore you commit to any Naples condo, examine five things: the milestone inspection status, the reserve study and its f... › 11 What Is a Milestone Inspection?A milestone inspection is a structural safety inspection that Florida law requires for condominium and cooperative build... › 12 What Is a SIRS (Structural Integrity Reserve Study)?A SIRS is a professional study, required for Florida condo buildings three stories or taller, that inventories the build... › 13 How to Find Out If a Special Assessment Is ComingAsk the association directly through the estoppel certificate, then read the last two years of board meeting minutes, th... › 14 Red Flags in a Condo Association BudgetThe big five: reserve contributions far below what the reserve study recommends, insurance costs budgeted below last yea... › 15 What Underfunded Reserves Mean for a BuyerIt means the association has not saved enough for the repairs its own building will predictably need, and under current ... › 16 Your Florida Condo Document Review RightsOn a Florida resale, once you receive the required condominium documents (declaration, articles, bylaws, rules, the most... › 17 Ten Questions to Ask a Condo Board Before BuyingAsk, in writing: about approved or discussed special assessments, the milestone inspection status, reserve funding versu... › 18 What Naples Condo Fees Actually CoverNaples condo fees vary enormously, from a few hundred dollars a month in inland low-rises to well over two thousand in g... ›

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