Bridgewater Bay Homes for Sale in Naples, FL
Bridgewater Bay homes for sale in Naples, FL, stand in unincorporated Collier County, ZIP 34109, off Orange Blossom Drive, with a clubhouse at 3070 Bridgewater Bay Boulevard and no golf course. The county recorded 31 sales of Bridgewater Bay homes at a $427,500 median in the 12 months to August 31, 2026, from $279,000 to $620,000, and all 31 were condominiums. The community has 524 homes, 416 condominiums in six recorded Bays and 108 single-family houses in two plats.
By Jesse McGreevy and Marc Comisar, Domain Realty Group. Data updated: October 2026. Call Domain Realty Group at 239-441-2816.
Key takeaways for Bridgewater Bay home buyers in Naples
Bridgewater Bay in Naples is a community of six condominium Bays and two house plats, and the nine points below give its recorded sales, listings, rules, costs, taxes and flood facts. Each point names where its detail sits, so a buyer can check it.
- The 2026 county roll lists 524 homes: 416 condominiums in six Bays and 108 single-family houses in two plats. How is Bridgewater Bay in Naples laid out across six condominium Bays and two house plats? counts them.
- County deeds: 31 qualified sales in the 12 months to August 31, 2026, all condominiums, at a $427,500 median across Bridgewater Bay homes. What have Bridgewater Bay homes in Naples sold for? lists every deed.
- No house recorded a qualified county sale in that window, so the house figure comes from the 60 months to August 31, 2026, which hold 21 house deeds at a $730,000 median.
- The October 29, 2026 export held 8 active listings, 4 houses and 4 condominiums, and 5 pending listings, all condominiums.
- A sale needs two approvals, one from the master association and one from the sub-association, and applications are due 20 days before the intended move-in date.
- No association publishes a dollar assessment on its public pages (checked November 1, 2026), so the amounts are not published there.
- One millage rate, 9.3696 mills, covers every Bridgewater Bay home for 2026, with no CDD on the 2026 roll and $269.77 in non-ad valorem charges on each home.
- Flood zones can differ from one address to the next, and the lender's flood determination on the exact address governs.
- The fire district named on the 2026 tax roll is the North Collier district (see the fire district answer below).
What Bridgewater Bay homes are for sale in Naples right now?
Bridgewater Bay homes for sale in Naples can be searched six ways below, each reading the MLS Development label Bridgewater Bay. The October 29, 2026 export held 8 active and 5 pending listings across the condominium Bays and the two house plats. The searches run live.
Every Bridgewater Bay listing
The first search returns every listing filed under the Development Name Bridgewater Bay, highest price first, and the second keeps listings posted in the last 30 days. Listing figures on this page come from the Southwest Florida MLS, as entered by listing agents, export of October 29, 2026.
Condominiums and houses
These two filter on the MLS property type, not on a Bay or a plat, so read the Bay name or the street on each result. Naples condos for sale widens the condominium search.
By price, split at $400,000
These two filter on price alone, highest first, and the lower search stops at $399,999 so no listing shows in both. The county's 31 deeds split 12 under $400,000 and 19 from $400,000, and What have Bridgewater Bay homes in Naples sold for? holds the price bands.
What the October 29, 2026 export held
The October 29, 2026 export held 8 active listings, at Unit 1 (2), Unit 2 (2), Turtle Bay (2), Coconut Bay (1) and Rum Bay (1), and 5 pending listings, at Coconut Bay (2), Rum Bay (2) and Coral Bay (1). The prices follow in the MLS section below.
What a search cannot filter
The MLS has no field for a Bay's association, its lease rule, the flood zone of an address or a building's story count. Those sit in Who governs Bridgewater Bay in Naples: the POA and its sub-associations? and What rules apply when you buy or lease in Bridgewater Bay, Naples? For a home before it lists, contact us, ask our agents or scan current listings.
What is Bridgewater Bay in Naples, and where is it?
Bridgewater Bay in Naples is a community of 524 residences on 131 acres with 12 lakes, in unincorporated Collier County, ZIP 34109, built from 2001 to 2006. The sections below place it on the map and give the order in which the Bays were recorded.
The 524 homes on 131 acres with 12 lakes
According to the Bridgewater Bay Property Owner's Association, 524 residences sit on 131 acres with 12 lakes (association website, checked November 1, 2026). The 2026 county roll agrees on all 524, each with a residence row, a difference of zero.
Unincorporated Collier County, ZIP 34109
Every Bridgewater Bay parcel on the 2026 county roll carries ZIP 34109, the roll shows no municipal levy, and every home sits in one millage area. The homes are in unincorporated Collier County, not the City of Naples. The October 29, 2026 export files all 41 matched rows in one North Naples map area of the MLS. See Naples communities for the neighborhoods around it.
Off Orange Blossom Drive between Livingston Road and Airport-Pulling Road
The association describes Bridgewater Bay as off Orange Blossom Drive between Livingston Road and Airport-Pulling Road (association website, checked November 1, 2026). We name no entrance intersection, because the public pages do not publish one.
The Oak Grove PUD
Bridgewater Bay sits inside this planned unit development, Collier County Ordinance 98-71 (as carried from the county PUD layer). We found no published acreage, unit cap or history for it. Information not available at time of publishing (checked 2026-11-01).
The master association and its manager
Bridgewater Bay Property Owner's Association, Inc., "the POA," is the master association, and each condominium Bay or house group has its own association beneath it. Castle Group manages the community (association website, checked November 1, 2026). The master association's state filing is dated March 3, 2000, with amended and restated articles dated May 2, 2025, both as carried. Who governs Bridgewater Bay in Naples: the POA and its sub-associations? names the rest.
Built in phases from 2001
Bridgewater Bay was built in phases from 2001, and the order comes from the state's condominium recordings, as carried from the DBPR extract. No builder or developer is named in any published record we found. Year built here comes from the county roll, because a recording date and a completion year can differ.
| Recorded (as carried) | Bay and phase |
|---|---|
| October 23, 2001 | Mango Bay I |
| November 19, 2001 | Turtle Bay I |
| February 12, 2002 | Mango Bay II |
| March 21, 2002 | Rum Bay I |
| April 26, 2002 | Rum Bay II |
| June 6, 2002 | Turtle Bay II |
| August 20, 2002 | Rum Bay III |
| September 24, 2002 | Turtle Bay III |
| July 2, 2003 | Coral Bay I |
| July 16, 2003 | Treasure Bay I |
| August 6, 2004 | Treasure Bay II |
| December 2, 2004 | Coral Bay II |
| March 14, 2005 | Coral Bay III |
| Coconut Bay I and II | Information not available at time of publishing (checked 2026-11-01). |
What have Bridgewater Bay homes in Naples sold for?
Bridgewater Bay homes in Naples sold in 31 recorded county deeds in the 12 months to August 31, 2026, the window the county has fully qualified. Every deed, the Bays, the price bands and earlier windows follow, with small counts kept in tables.
Data updated: October 2026. Everything in this section comes from Collier County recorded deeds.
The county headline
The county recorded 31 sales of Bridgewater Bay homes at a $427,500 median in the 12 months to August 31, 2026, from $279,000 to $620,000, and all 31 were condominiums.
No Bridgewater Bay house recorded a qualified sale in that window; over the 60 months to August 31, 2026 the county recorded 21 house sales at a $730,000 median, a window that reaches back to December 2021.
The 60-month window opens September 1, 2021; December 2021 is the month of its earliest house deed.
The county counts qualified deeds on homes with a residence row, and a median is the middle price.
Every county deed in the 12 months to August 31, 2026
We tracked every qualified county deed on a Bridgewater Bay home from September 1, 2025 to August 31, 2026: 31 sales, all condominiums, and none on a home with a pool row. Each row is one deed, and we leave out street numbers.
| Recorded | Price | Bay | Earliest residence year |
|---|---|---|---|
| County deed, September 2025 | $465,000 | Coconut Bay I and II | 2003 |
| County deed, September 2025 | $450,000 | Coconut Bay I and II | 2004 |
| County deed, October 2025 | $580,000 | Coral Bay I to III | 2005 |
| County deed, October 2025 | $505,000 | Turtle Bay I to III | 2002 |
| County deed, October 2025 | $362,500 | Treasure Bay I and II | 2004 |
| County deed, December 2025 | $427,500 | Coconut Bay I and II | 2005 |
| County deed, December 2025 | $435,000 | Coconut Bay I and II | 2005 |
| County deed, December 2025 | $455,000 | Coconut Bay I and II | 2004 |
| County deed, February 2026 | $395,000 | Rum Bay I to III | 2002 |
| County deed, February 2026 | $568,000 | Coral Bay I to III | 2004 |
| County deed, February 2026 | $365,000 | Rum Bay I to III | 2002 |
| County deed, March 2026 | $520,000 | Coral Bay I to III | 2005 |
| County deed, March 2026 | $400,000 | Coconut Bay I and II | 2004 |
| County deed, March 2026 | $450,000 | Turtle Bay I to III | 2002 |
| County deed, March 2026 | $475,000 | Turtle Bay I to III | 2002 |
| County deed, March 2026 | $315,000 | Treasure Bay I and II | 2003 |
| County deed, March 2026 | $395,000 | Treasure Bay I and II | 2004 |
| County deed, April 2026 | $450,000 | Coconut Bay I and II | 2004 |
| County deed, April 2026 | $280,000 | Treasure Bay I and II | 2003 |
| County deed, April 2026 | $300,000 | Treasure Bay I and II | 2004 |
| County deed, April 2026 | $525,000 | Coral Bay I to III | 2003 |
| County deed, April 2026 | $490,000 | Coconut Bay I and II | 2004 |
| County deed, April 2026 | $305,000 | Treasure Bay I and II | 2003 |
| County deed, May 2026 | $410,000 | Turtle Bay I to III | 2002 |
| County deed, June 2026 | $620,000 | Mango Bay I and II | 2001 |
| County deed, June 2026 | $340,000 | Rum Bay I to III | 2002 |
| County deed, June 2026 | $410,000 | Turtle Bay I to III | 2002 |
| County deed, July 2026 | $330,000 | Treasure Bay I and II | 2004 |
| County deed, July 2026 | $279,000 | Treasure Bay I and II | 2003 |
| County deed, August 2026 | $517,500 | Turtle Bay I to III | 2001 |
| County deed, August 2026 | $310,000 | Treasure Bay I and II | 2004 |
By Bay under the n rules
Coconut Bay I and II recorded 8 county deeds at a $450,000 median, from $400,000 to $490,000. Turtle Bay I to III recorded 6 at a $462,500 median, from $410,000 to $517,500, and Treasure Bay I and II recorded 9 at a $310,000 median, from $279,000 to $395,000. The three smaller Bays sit in the table, and Mango Bay's single deed is listed.
| Bay (county deeds, 12 months to August 31, 2026) | Deeds | Median | Range |
|---|---|---|---|
| County deeds, Coconut Bay I and II | 8 | $450,000 | $400,000 to $490,000 |
| County deeds, Turtle Bay I to III | 6 | $462,500 | $410,000 to $517,500 |
| County deeds, Coral Bay I to III | 4 | $546,500 | $520,000 to $580,000 |
| County deeds, Mango Bay I and II | 1 | listed: $620,000, June 2026 | not applicable |
| County deeds, Rum Bay I to III | 3 | $365,000 | $340,000 to $395,000 |
| County deeds, Treasure Bay I and II | 9 | $310,000 | $279,000 to $395,000 |
Price bands
The 31 county deeds fall into five price bands, and no house sits in any of them. The two price searches above split at $400,000, with 12 deeds under it and 19 from it.
| Price band, county deeds, 12 months to August 31, 2026 | Condominium deeds |
|---|---|
| Under $300,000 | 2 |
| $300,000 to under $400,000 | 10 |
| $400,000 to under $500,000 | 12 |
| $500,000 to under $600,000 | 6 |
| $600,000 to under $750,000 | 1 |
The houses: 60 months of deeds
The house market is too thin for a one-year median, so the county's house figure uses the 60 months to August 31, 2026. Every one of the 21 house deeds, with its month, price, plat, year built and pool row, sits in What are the single-family houses in Bridgewater Bay, Naples?, along with the Unit 1 and Unit 2 figures. The earliest deed is from December 2021 and the latest from August 2025.
Three windows and the calendar years
These tables hold the earlier windows and the calendar years, each cell with its own count.
| County deeds, window | All homes | Houses | Condominiums |
|---|---|---|---|
| County deeds, September 1, 2025 to August 31, 2026 | 31 at $427,500 | 0 | 31 at $427,500 |
| County deeds, September 1, 2024 to August 31, 2025 | 26 at $447,000 | 5 at $735,000 | 21 at $395,000 |
| County deeds, September 1, 2023 to August 31, 2024 | 22 at $498,000 | not tabulated | not tabulated |
| County deeds, September 1, 2021 to August 31, 2026 | not tabulated | 21 at $730,000 | 109 at $450,000 |
| County deeds, calendar year | Houses (sales, median) | Condominiums (sales, median) | All homes (sales, median) |
|---|---|---|---|
| 2017 | 2: $385,000 and $465,000 | 32, $259,500 | 34, $271,500 |
| 2018 | 5, $420,000 | 24, $271,250 | 29, $282,000 |
| 2019 | 9, $425,000 | 34, $257,750 | 43, $275,000 |
| 2020 | 7, $480,000 | 28, $272,500 | 35, $300,000 |
| 2021 | 5, $590,000 | 33, $313,000 | 38, $330,000 |
| 2022 | 4, $740,000 | 20, $475,000 | 24, $500,000 |
| 2023 | 6, $692,500 | 20, $495,000 | 26, $517,500 |
| 2024 | 5, $785,000 | 17, $420,000 | 22, $440,000 |
| 2025 | 4, $692,500 | 23, $435,000 | 27, $455,000 |
| 2026 (to August 31) | 0 | 23, $400,000 | 23, $400,000 |
How to read a blended median
A blended median moves with the mix of homes that sold. The county's 31 deeds are all condominiums, so the headline is a condominium figure, and the six Bays sit at different price levels, as the Bay table shows. Compare a condominium with a condominium and a house with a house.
What does the MLS show about Bridgewater Bay homes in Naples?
Bridgewater Bay homes in Naples appear in the MLS as 41 rows that join the county roll: 28 sold, 8 active and 5 pending at the October 29, 2026 export. These are figures listing agents entered, and the MLS set never merges with the county deeds, so each carries its own date.
Data updated: October 2026. A list price is not a price paid.
Sold listings at the export
From the Southwest Florida MLS, as entered by listing agents, export of October 29, 2026: 28 listings sold between October 29, 2025 and October 29, 2026, all condominiums, at a $418,750 median, from $279,000 to $620,000. All 41 rows carry the Development Name Bridgewater Bay, and none falls outside the county set. The 4 house rows in the export are all active listings, so the MLS holds no sold house in that window.
By Bay
In the October 29, 2026 export, Coconut Bay I and II sold 6 listings at a $442,500 median and Treasure Bay I and II sold 9 at a $310,000 median. Every Bay and both house plats are in the table.
| MLS, October 29, 2026 export | Sold | Median sold, or sold prices if fewer than three | Active | Pending |
|---|---|---|---|---|
| MLS, Coconut Bay I and II | 6 | $442,500 | 1 | 2 |
| MLS, Turtle Bay I to III | 6 | $462,500 | 2 | 0 |
| MLS, Coral Bay I to III | 4 | $546,500 | 0 | 1 |
| MLS, Mango Bay I and II | 1 | listed: $620,000 | 0 | 0 |
| MLS, Rum Bay I to III | 2 | listed: $340,000 and $395,000 | 1 | 2 |
| MLS, Treasure Bay I and II | 9 | $310,000 | 0 | 0 |
| MLS, Unit 1 | 0 | none | 2 | 0 |
| MLS, Unit 2 | 0 | none | 2 | 0 |
Living area and days on market
MLS Approx Living Area in the October 29, 2026 export: the 28 sold condominiums have a median of 1,528 sq. ft., all 41 joined rows a median of 1,573 sq. ft. from 1,246 to 2,376 sq. ft., and the 4 active houses run from 1,769 to 2,376 sq. ft., at a median of 2,081 sq. ft. Median days on market for the 28 sold listings is 50 in the export. Living area by Bay sits in the size table of How do carriage, coach and garden homes differ in Bridgewater Bay, Naples?
Active and pending listings
In the October 29, 2026 export, the 4 active houses have a $727,500 median list price and the 4 active condominiums a $434,450 median list price. Pending includes listings with contingencies.
| Status in the export | Bay or plat | List price |
|---|---|---|
| Active | Unit 1 | $755,000 |
| Active | Unit 1 | $730,000 |
| Active | Unit 2 | $725,000 |
| Active | Unit 2 | $699,900 |
| Active | Turtle Bay I to III | $545,000 |
| Active | Turtle Bay I to III | $459,900 |
| Active | Coconut Bay I and II | $409,000 |
| Active | Rum Bay I to III | $325,000 |
| Pending | Coconut Bay I and II | $415,000 |
| Pending | Coconut Bay I and II | $450,000 |
| Pending | Rum Bay I to III | $319,000 |
| Pending | Rum Bay I to III | $299,900 |
| Pending | Coral Bay I to III | $589,900 |
Why the county and MLS figures never merge
Bridgewater Bay has two record sets that never merge: the county's 31 qualified deeds to August 31, 2026 and the MLS's 28 sold listings to October 29, 2026, which differ in window, in recording versus closing dates and in qualification.
Use the county set for recorded prices and the MLS set for listings, living area and days on market.
The same sale in both sets
The Mango Bay $620,000 sale appears in both sets: a county deed of June 2026 and an MLS closing of June 15, 2026 in the October 29, 2026 export. Each set keeps its own date.
How is Bridgewater Bay in Naples laid out across six condominium Bays and two house plats?
Bridgewater Bay in Naples is laid out as six condominium Bays, Coconut, Turtle, Coral, Mango, Rum and Treasure, on four streets, and two house plats, Unit 1 on Sundance Circle and Unit 2 on Sandpiper Way. The sections below define the set and count each row.
The set and what a condominium means here
The 2026 county roll lists 541 parcels in Bridgewater Bay's 17 plat and condominium numbers, all in ZIP 34109, and 524 of them are homes with a residence row, the same 524 residences the property owners association publishes; the other 17 parcels hold the clubhouse, lakes, roads and common land.
On this page a condominium means one of the 416 homes in Bridgewater Bay's six recorded condominium Bays, Coconut, Turtle, Coral, Mango, Rum and Treasure, and a house means one of the 108 single-family homes in the Unit 1 and Unit 2 plats.
On the 2026 county roll, Bridgewater Bay's 524 homes were built from 2001 to 2006, with a median year built of 2003, counting each home's earliest residence row.
The 2026 roll by row
Each row counts homes with a residence row on the 2026 county roll. Homestead is a count of homes carrying the exemption, a tax fact only.
| Row | Homes | Phases | Street | Year built | Pool rows | Homestead | Median 2026 total tax |
|---|---|---|---|---|---|---|---|
| Unit 1 plat | 66 | one plat | Sundance Circle | 2001 to 2006 | 35 | 47 | $4,180.07 |
| Unit 2 plat | 42 | one plat | Sandpiper Way | 2004 to 2005 | 26 | 24 | $4,916.73 |
| Coconut Bay I and II | 96 | I 48, II 48 | Driftwood Way | 2003 to 2005 | 0 | 32 | $3,508.00 |
| Turtle Bay I to III | 64 | I 16, II 24, III 24 | Horizon Lane | 2001 to 2002 | 0 | 28 | $3,284.66 |
| Coral Bay I to III | 72 | I 24, II 24, III 24 | Twilight Lane | 2003 to 2005 | 0 | 36 | $4,535.24 |
| Mango Bay I and II | 40 | I 16, II 24 | Windsong Court | 2001 to 2002 | 0 | 24 | $3,802.45 |
| Rum Bay I to III | 72 | I 16, II 24, III 32 | Horizon Lane | 2002 | 0 | 22 | $2,725.66 |
| Treasure Bay I and II | 72 | I 32, II 40 | Driftwood Way | 2003 to 2005 | 0 | 18 | $2,725.66 |
| All Bridgewater Bay homes | 524 | 6 Bays and 2 plats | see rows | 2001 to 2006 | 61 | 231 | $3,284.66 |
Two streets, two Bays each
Driftwood Way carries Coconut Bay and Treasure Bay, and Horizon Lane carries Turtle Bay and Rum Bay, so a buyer reads the Bay name on a listing, not the street. Coral Bay stands on Twilight Lane and Mango Bay on Windsong Court, and each house plat has one street.
Pools, spas and screen enclosures
The county roll carries 61 pool rows, and every one is on a house: 35 in Unit 1 and 26 in Unit 2, against none among the 416 condominiums. It also carries a spa row on 37 homes and a screen enclosure row on 96 homes. The clubhouse pools sit on the common parcel.
Clubhouse and common land on the roll
The 17 parcels that are not homes hold the lakes, roads, preserves and the clubhouse parcel at 3070 Bridgewater Bay Boulevard. What does the Bridgewater Bay clubhouse in Naples include? describes it.
What are the condominiums in Bridgewater Bay, Naples, Bay by Bay?
The condominiums in Bridgewater Bay, Naples, are 416 homes in six recorded Bays: Coconut, Turtle, Coral, Mango, Rum and Treasure, built 2001 to 2005 on the county roll. This section sets the Bays side by side, then gives each Bay its county deeds, its MLS listings and the association that files its documents.
The six condominium Bays on the 2026 county roll, side by side
Roll figures come from the 2026 certified county roll. County deeds are qualified improved sales, 12 months from September 1, 2025 to August 31, 2026 and 60 months from September 1, 2021. MLS figures come from the October 29, 2026 export.
| Bay | Homes | Phases | Street | Year built, range and median | Homestead | Median 2026 tax | County deeds, 12 months | County deeds, 60 months | MLS sold, October 29, 2026 export | Active and pending in the export |
|---|---|---|---|---|---|---|---|---|---|---|
| Coconut Bay I and II | 96 | I 48, II 48 | Driftwood Way | 2003 to 2005, 2004 | 32 | $3,508.00 | county: 8 deeds at a $450,000 median. | county: 25 deeds at a $460,000 median | MLS: 6 sold at a $442,500 median | 1 active ($409,000), 2 pending ($415,000 and $450,000) |
| Turtle Bay I to III | 64 | I 16, II 24, III 24 | Horizon Lane | 2001 to 2002, 2002 | 28 | $3,284.66 | county: 6 deeds at a $462,500 median | county: 19 deeds at a $477,500 median | MLS: 6 sold at a $462,500 median | 2 active ($545,000 and $459,900), none pending |
| Coral Bay I to III | 72 | I 24, II 24, III 24 | Twilight Lane | 2003 to 2005, 2005 | 36 | $4,535.24 | county: 4 deeds at a $546,500 median | county: 14 deeds at a $610,000 median | MLS: 4 sold at a $546,500 median | none active, 1 pending ($589,900) |
| Mango Bay I and II | 40 | I 16, II 24 | Windsong Court | 2001 to 2002, 2002 | 24 | $3,802.45 | county: 1 deed, $620,000 in June 2026 | county: 7 deeds at a $585,000 median | MLS: 1 sold, $620,000 | none active, none pending |
| Rum Bay I to III | 72 | I 16, II 24, III 32 | Horizon Lane | 2002, 2002 | 22 | $2,725.66 | county: 3 deeds at a $365,000 median | county: 19 deeds at a $365,000 median | MLS: 2 sold, $395,000 and $340,000 | 1 active ($325,000), 2 pending ($319,000 and $299,900) |
| Treasure Bay I and II | 72 | I 32, II 40 | Driftwood Way | 2003 to 2005, 2004 | 18 | $2,725.66 | county: 9 deeds at a $310,000 median | county: 25 deeds at a $363,500 median | MLS: 9 sold at a $310,000 median | none active, none pending |
Homestead is a count of homes carrying the exemption on the 2026 roll.
Coconut Bay I and II: 96 condominium homes, built 2003 to 2005
Coconut Bay has 96 homes in two phases of 48 on Driftwood Way, with homestead on 32 and a median 2026 tax bill of $3,508.00. The county recorded 8 qualified deeds in the 12 months to August 31, 2026, at a $450,000 median from $400,000 to $490,000. The October 29, 2026 export lists 6 sold MLS listings at a $442,500 median, 1 active and 2 pending, with a median living area of 1,573 sq. ft. across its 9 export rows. The state extract has no recording dates for these phases, as carried, and both Coconut Bay associations went inactive by merger in 2007. The POA files the Coconut Bay documents under Carriage Homes, whose rules were adopted December 3, 2024.
Turtle Bay I to III: 64 condominium homes, built 2001 to 2002
Turtle Bay has 64 homes on Horizon Lane in three phases of 16, 24 and 24, with homestead on 28 and a median 2026 tax bill of $3,284.66. The state extract dates the recordings November 19, 2001, June 6, 2002 and September 24, 2002, as carried. The county recorded 6 qualified deeds in the window at a $462,500 median, from $410,000 to $517,500. The October 29, 2026 export shows 6 sold MLS listings at a $462,500 median and 2 active, with living areas from 1,482 to 1,849 sq. ft. The POA's Carriage Homes page lists Turtle Bay I, II and III, under rules adopted December 3, 2024.
Coral Bay I to III: 72 condominium homes, built 2003 to 2005
Coral Bay has 72 homes on Twilight Lane in three phases of 24, with homestead on 36 and a median 2026 tax bill of $4,535.24. The state extract dates the recordings July 2, 2003, December 2, 2004 and March 14, 2005, as carried. The county recorded 4 qualified deeds in the window and the October 29, 2026 export shows 4 sold listings, so both medians sit in the table at n 4. The export also lists 1 pending at $589,900, and its Coral Bay rows all show 1,767 sq. ft. State records, as carried, show three Coral Bay condominium associations, one for each phase, and the POA lists the Coral Bay rules document under Coral Bay III.
Mango Bay I and II: 40 condominium homes, built 2001 to 2002
Mango Bay has 40 homes on Windsong Court in two phases, 16 and 24, with homestead on 24 and a median 2026 tax bill of $3,802.45. The state extract dates the recordings October 23, 2001 and February 12, 2002, as carried. The county recorded 1 qualified deed in the window, $620,000 in June 2026, and the October 29, 2026 export shows 1 sold MLS listing at $620,000 with 1,767 sq. ft., and no active or pending listing. One association covers both phases, as carried, and the POA posts Mango Bay rules adopted January 16, 2026.
Rum Bay I to III: 72 condominium homes, built 2002
Rum Bay has 72 homes on Horizon Lane in three phases of 16, 24 and 32, with homestead on 22 and a median 2026 tax bill of $2,725.66. The state extract dates the recordings March 21, 2002, April 26, 2002 and August 20, 2002, as carried. The county recorded 3 qualified deeds in the window, from $340,000 to $395,000, with their median in the table. The October 29, 2026 export shows 2 sold MLS listings at $395,000 and $340,000, 1 active at $325,000 and 2 pending, and a median living area of 1,248 sq. ft. across its 5 export rows. State records, as carried, place Rum Bay under Garden Homes, whose rules were adopted January 15, 2026.
Treasure Bay I and II: 72 condominium homes, built 2003 to 2005
Treasure Bay has 72 homes on Driftwood Way in two phases, 32 and 40, with homestead on 18 and a median 2026 tax bill of $2,725.66. The state extract dates the recordings July 16, 2003 and August 6, 2004, as carried. The county recorded 9 qualified deeds in the window at a $310,000 median, from $279,000 to $395,000, and the October 29, 2026 export shows 9 sold MLS listings at a $310,000 median, with a median living area of 1,248 sq. ft. and no active or pending listing. State records, as carried, place Treasure Bay under Garden Homes, which also posts abridged rules for renters and visiting guests.
How the Bays pair by size
The six Bays form three pairs with shared layouts on the county roll: Coconut with Turtle, Coral with Mango, and Rum with Treasure. The county base areas print in the size table below. In the October 29, 2026 export, Rum and Treasure rows both show a median living area of 1,248 sq. ft., Coconut rows 1,573 and Coral rows 1,767, so compare a Bay with its own pair first.
Bedrooms and baths in the export
Every condominium row in the October 29, 2026 export shows 2 full baths. Bedroom mixes by Bay sit in the size table below: Coconut and Turtle rows mix 3 Bed and 2+Den, Coral and Mango rows are all 3 Bed, and Rum and Treasure rows mix 2 Bed and 3 Bed. These are listing agents' entries, so confirm layouts against the Bay's plans.
What are the single-family houses in Bridgewater Bay, Naples?
Bridgewater Bay in Naples has 108 single-family houses in two plats: Unit 1 on Sundance Circle with 66, Unit 2 on Sandpiper Way with 42. The county recorded no qualified house sale in the 12 months to August 31, 2026, so this section uses 60 months of deeds and the four active houses in the October 29, 2026 export.
The two single-family plats on the 2026 county roll, side by side
Pool rows are counts of houses with a pool building row on the 2026 certified roll. The 60-month window runs from September 1, 2021 to August 31, 2026.
| Plat | Houses | Street | Year built, range and median | Pool rows | Homestead | Median 2026 tax | County deeds, 12 months | County deeds, 60 months | MLS, October 29, 2026 export |
|---|---|---|---|---|---|---|---|---|---|
| Unit 1 | 66 | Sundance Circle | 2001 to 2006, 2003 | 35 of 66 | 47 | $4,180.07 | county: no qualified sale in the window | county: 12 deeds at a $731,500 median | MLS: 0 sold, 2 active ($755,000 and $730,000) |
| Unit 2 | 42 | Sandpiper Way | 2004 to 2005, 2005 | 26 of 42 | 24 | $4,916.73 | county: no qualified sale in the window | county: 9 deeds at a $730,000 median | MLS: 0 sold, 2 active ($725,000 and $699,900) |
Unit 1 on Sundance Circle: 66 houses, built 2001 to 2006
Unit 1 is the larger plat, with 66 houses on Sundance Circle, 35 pool rows, homestead on 47 and a median 2026 tax bill of $4,180.07. The county recorded no qualified Unit 1 sale in the 12 months to August 31, 2026, and 12 deeds in the 60 months to that date at a $731,500 median. The October 29, 2026 export holds no sold Unit 1 listing and 2 active, at $755,000 and $730,000.
Unit 2 on Sandpiper Way: 42 houses, built 2004 to 2005
Unit 2 has 42 houses on Sandpiper Way, 26 pool rows, homestead on 24 and a median 2026 tax bill of $4,916.73. The county recorded no qualified Unit 2 sale in the 12 months to August 31, 2026, and 9 deeds in the 60 months to that date at a $730,000 median. The October 29, 2026 export holds no sold Unit 2 listing and 2 active, at $725,000 and $699,900.
Every recorded house sale in the 60 months to August 31, 2026
Over the 60 months to August 31, 2026, the county recorded 21 house deeds at a $730,000 median, from $520,000 to $935,000. Each row gives month, price, plat, the roll's year built and whether the house carries a pool row; the window opens September 1, 2021 and its earliest house deed is from December 2021, so read each row on its own.
| Recorded | Price | Plat | Year built | Pool row |
|---|---|---|---|---|
| December 2021 | $639,000 | Unit 2 | 2005 | Yes |
| December 2021 | $655,000 | Unit 1 | 2003 | Yes |
| January 2022 | $650,000 | Unit 2 | 2005 | Yes |
| April 2022 | $800,000 | Unit 2 | 2005 | Yes |
| April 2022 | $750,000 | Unit 2 | 2005 | Yes |
| June 2022 | $730,000 | Unit 2 | 2005 | No |
| May 2023 | $520,000 | Unit 1 | 2004 | No |
| May 2023 | $650,000 | Unit 2 | 2005 | No |
| August 2023 | $810,000 | Unit 1 | 2003 | Yes |
| August 2023 | $865,500 | Unit 1 | 2002 | Yes |
| September 2023 | $630,000 | Unit 2 | 2005 | Yes |
| November 2023 | $735,000 | Unit 2 | 2005 | No |
| March 2024 | $667,500 | Unit 1 | 2004 | No |
| March 2024 | $935,000 | Unit 1 | 2002 | Yes |
| March 2024 | $678,000 | Unit 1 | 2002 | No |
| August 2024 | $785,000 | Unit 1 | 2002 | Yes |
| November 2024 | $855,000 | Unit 1 | 2003 | Yes |
| January 2025 | $599,000 | Unit 1 | 2004 | No |
| March 2025 | $650,000 | Unit 1 | 2005 | No |
| July 2025 | $735,000 | Unit 2 | 2004 | Yes |
| August 2025 | $800,000 | Unit 1 | 2004 | Yes |
| Plat | County deeds, 60 months | Median |
|---|---|---|
| Unit 1 | 12 | county: $731,500 median |
| Unit 2 | 9 | county: $730,000 median |
Pool rows on the house lots
The county roll carries a pool building row on 35 of the 66 Unit 1 houses and 26 of the 42 Unit 2 houses, 61 of the 108 houses, and on none of the 416 condominium homes, whose pools sit on the clubhouse parcel. The 60-month house deeds split by pool row as below, context only, because the mix differs.
| Pool row on the deed | County deeds, 60 months | Median | Range |
|---|---|---|---|
| Pool row | 13 | county: $785,000 | $630,000 to $935,000 |
| No pool row | 8 | county: $658,750 | $520,000 to $735,000 |
What the four active houses show
The October 29, 2026 export lists four active houses, all with 2 full baths. Unit 1: $755,000 with 3+Den and 2,376 sq. ft., and $730,000 with 3+Den and 2,262 sq. ft. Unit 2: $725,000 with 3 Bed and 1,900 sq. ft., and $699,900 with 3 Bed and 1,769 sq. ft. These are MLS list prices, not sales, and stay apart from the county deeds above; the live inventory is on current listings.
Which association governs the houses: not published
The POA lists eight sub-associations, and the document pages we found cover the Bays, not Unit 1 or Unit 2. The public pages do not say which sub-association the houses belong to, so ask Castle Group for the governing documents for the exact address. Boca Bay and Caneel Bay are two of the eight names, but the pages do not tie either to Sundance Circle or Sandpiper Way; read the declarations before assuming a mapping.
How do carriage, coach and garden homes differ in Bridgewater Bay, Naples?
Carriage, coach and garden are the three condominium styles the Bridgewater Bay association names in Naples. State records place carriage homes in Turtle and Coconut Bays and garden homes in Rum and Treasure Bays, as carried, while no published record maps the coach style to a Bay. The size table below sets sizes by Bay.
What the association says: three styles, all with garages
The POA's home page describes condominiums in three styles, carriage, coach and garden, plus single-family houses, and says all homes have garages (checked November 1, 2026). It does not say how many cars a garage holds or whether it is attached, so ask for the Bay's plans and declaration.
Carriage homes: Turtle Bay and Coconut Bay
State condominium records, as carried from the state extract, name the Carriage Homes association for Turtle Bay and Coconut Bay. The POA's Carriage Homes page lists Turtle Bay I, II and III and Coconut Bay I and II among its 50 documents, including rules adopted December 3, 2024.
Garden homes: Rum Bay and Treasure Bay
State condominium records, as carried, name the Garden Homes association for Rum Bay and Treasure Bay. The POA's Garden Homes page holds 20 documents, including rules adopted January 15, 2026, abridged rules for renters and visiting guests, and 2007 articles of merger and a name change.
Coach homes: the third style the association names
Coach homes are the third style the association names; no published record ties them to Coral Bay or Mango Bay. Those two Bays have their own associations, three for Coral and one for Mango, as carried, and no public document says which style their buildings are.
Sizes by Bay
MLS living area comes from the October 29, 2026 export, all statuses. County base area is the county's heated base area for condominium units, a different measure from the MLS entry, and appears for condominium units only.
| Bay or plat | MLS living area, sq. ft. (export rows) | County base area (sq. ft.), condominium units | Bedroom mix in the export rows |
|---|---|---|---|
| Coconut Bay I and II | MLS: median 1,573 (n 9), 1,482 to 1,849 | 1,696 median, 1,482 to 1,849 | 3 Bed 7, 2+Den 2 |
| Turtle Bay I to III | MLS: median 1,696 (n 8), 1,482 to 1,849 | 1,696 median, 1,482 to 1,849 | 3 Bed 6, 2+Den 2 |
| Coral Bay I to III | MLS: median 1,767 (n 5), 1,767 to 1,767 | 1,950 median, 1,767 to 2,133 | 3 Bed 5 |
| Mango Bay I and II | MLS: 1,767 (n 1) | 1,950 median, 1,767 to 2,133 | 3 Bed 1 |
| Rum Bay I to III | MLS: median 1,248 (n 5), 1,246 to 1,383 | 1,316 median, 1,246 to 1,399 | 2 Bed 4, 3 Bed 1 |
| Treasure Bay I and II | MLS: median 1,248 (n 9), 1,246 to 1,383 | 1,316 median, 1,246 to 1,399 | 2 Bed 5, 3 Bed 4 |
| Unit 1 | MLS: 2,376 and 2,262 (n 2, active) | not applicable, condominium units only | 3+Den 2 |
| Unit 2 | MLS: 1,900 and 1,769 (n 2, active) | not applicable, condominium units only | 3 Bed 2 |
Story counts are not published
Story counts per Bay are not published on the POA's public pages or in the county fields we read, and this page does not infer them from a style name. The count matters because structural reserve and milestone rules key on habitable stories, which the Florida law section, headed "What does Florida law require when you buy in Bridgewater Bay, Naples?", sets out. Ask each Bay association for it in writing.
How old are Bridgewater Bay homes in Naples, and what should a buyer check on a 2001 to 2006 building?
Bridgewater Bay homes in Naples date from 2001 to 2006, so a buyer should ask for the roof permit date, the four-point and wind mitigation reports and the architectural review rules before the inspection deadline. This section lists those checks for houses and condominiums.
Year-built eras and the 2002 Florida Building Code
The roll's earliest residence rows run 2001 to 2002 for Turtle and Mango Bays, 2002 for Rum Bay, 2003 to 2005 for Coconut, Coral and Treasure Bays, 2001 to 2006 for Unit 1 and 2004 to 2005 for Unit 2. The first Florida Building Code took effect on March 1, 2002, as carried from insurance guides. Turtle, Mango and Rum Bays may hold permits from either side of that date, and the roll carries no permit dates.
Roof permits and roof dates
Neither the roll nor the POA's public pages say whether any Bridgewater Bay roof has been replaced, and the pages do not state a roof type. For a house, ask the seller for the roof permit date and the roofing invoice. For a condominium, ask the Bay association for its roof replacement schedule and permit record, because an insurer will ask how old the roof is.
Four-point and wind mitigation reports
A four-point inspection covers the roof, electrical, plumbing and air conditioning systems, and carriers set their own year-built triggers for requiring one. A wind mitigation report records features such as roof deck attachment, roof-to-wall connection, roof shape and opening protection on a state form a licensed inspector completes. In a condominium the association's master policy carries the building, so ask whether the association holds a current report.
Screen enclosures and pool equipment on houses
The county roll carries a screen enclosure row on 96 homes, a spa row on 37 and a pool row on 61, and the pool rows sit on houses only. A buyer of a house with a pool should ask for the enclosure permit, the pool equipment's service records and any approval the review committee gave.
Architectural review before exterior work
The POA's architectural review page says the management office receives the packet, the sub-association reviews it and the Bridgewater Bay review committee gives final approval, with no timeframe listed (checked November 1, 2026). The packet asks for the contractor's license and an insurance certificate naming the POA, and the page sets a roofing requirement for Caneel Bay and Boca Bay by name.
Second-floor flooring and the acoustic rule
The same packet requires second-floor flooring to meet an acoustic rating it names (checked November 1, 2026). A buyer planning new flooring in an upper-floor condominium should read the current rating first, and a buyer of a home with newer flooring should ask the seller for the approval on file.
Condominium milestone and reserve study pointer
Condominium buildings face the state's milestone inspection and structural reserve study rules, which depend on each building's habitable stories and certificate of occupancy date, and neither is published for these Bays. The Florida law section, headed "What does Florida law require when you buy in Bridgewater Bay, Naples?", gives the statutes. For the Bays built 2001 to 2002, ask the association for its inspection status in writing, or have our agents request it with the resale package.
What does the Bridgewater Bay clubhouse in Naples include?
Bridgewater Bay's clubhouse in Naples is a 36,000 sq. ft. building at 3070 Bridgewater Bay Boulevard with meeting rooms, a library, an event hall, two pools, a fitness facility and nearby courts, per the POA's pages checked November 1, 2026. Hours, guest rules and amenity fees are not published, so this section prints counts and leaves those gaps open.
The 36,000 sq. ft. clubhouse
The POA's home page describes a 36,000 sq. ft. clubhouse with meeting rooms, a library and an event hall, with management on site full time (checked November 1, 2026). The clubhouse parcel sits apart from the 524 homes on the roll. A Social Room Rental Agreement dated April 2026 is posted on the POA's new resident page; its fee was not read.
The leisure pool and hot tub
The POA's amenities page lists a leisure pool of 83,000 gallons with salt filtration and a 7 person hot tub (checked November 1, 2026). Pool hours, heating and winter water temperature are not published.
The lap pool
The lap pool is 25 yards long and holds 69,000 gallons, with a screen enclosure and a lap timer at one end, per the POA's amenities page (checked November 1, 2026). Lane rules and reservation practice are not published.
Fitness, locker rooms, saunas and steam rooms
The POA lists one large fitness facility with cardio machines that carry personal screens and, on its home page, free weights. Full locker rooms each have a dry sauna, a steam room and a shower, and the home page words the saunas differently, so this page prints saunas and steam rooms as the POA describes them. No machine count, hours or guest policy is posted.
Tennis, pickleball, bocce and basketball
The POA's amenities page lists 2 lighted Har-Tru clay tennis courts with round robin play on several days each week, 2 pickleball courts with round robin play on three days a week, 2 bocce courts with equipment checkout and leagues from January through March, and 1 half-court basketball court. One playground with a swing set is also listed, as an amenity. Whether courts can be reserved is not published.
Lakes, preserves and the putting green
Bridgewater Bay has 12 lakes and preserves across 131 acres, per the POA's home page, and no golf course. The home page's amenity line lists a putting green that the amenities page does not repeat, and its size is not published. The pages name no lakes and give no fishing or boating rules.
What is not published: hours, guests and fees
The POA's public pages publish no amenity hours, guest rules, clubhouse or court fees, social calendar or pool heating policy. Ask the management office for the current schedule and guest policy before an offer. Information not available at time of publishing (checked 2026-11-01).
Day-to-day life around the clubhouse
The POA publishes its amenity list, rules documents and approval steps, but no events calendar. For what day-to-day life around the clubhouse and lakes is like, McGreevy and Comisar's Bridgewater Bay neighborhood guide covers it. This page stays with the homes for sale and the records behind them.
What is near Bridgewater Bay in Naples, and which schools and services serve it?
Bridgewater Bay in Naples sits off Orange Blossom Drive between Livingston Road and Airport-Pulling Road, the association's description, with North Collier Regional Park, Mercato and two hospitals within about 5.3 free-flow route miles. Distances are route miles from the clubhouse, and school assignments are as carried from the district.
The route table
Each figure is about N free-flow route miles from Bridgewater Bay Boulevard near the clubhouse, per the Domain Realty Group route table, November 1, 2026. Free flow models no traffic or season.
| Destination | About N free-flow route miles |
|---|---|
| North Collier Regional Park | about 3.1 |
| Physicians Regional Pine Ridge | about 3.4 |
| Mercato | about 4.1 |
| NCH North Naples Hospital | about 5.3 |
| Waterside Shops | about 5.4 |
| Vanderbilt Beach | about 5.7 |
| Coastland Center | about 7.6 |
| NCH Baker Hospital | about 9.0 |
| Fifth Avenue South | about 9.7 |
| Naples Pier area at 12th Avenue South | about 10.6 |
| Southwest Florida International Airport | about 26.6 |
Shopping
Mercato is an open-air shopping, dining and entertainment district on Strada Place. Waterside Shops, at 5415 Tamiami Trail N, posts Monday to Saturday 10 AM to 6 PM and Sunday 11 AM to 5 PM as of November 1, 2026. Coastland Center, at 1900 Tamiami Trail North, lists Macy's and Dillard's. Retail centers also line Airport-Pulling Road and Pine Ridge Road.
Beaches and parks
Vanderbilt Beach is the nearest Gulf beach in the route table, at about 5.7 free-flow route miles; the association's phrase is "just a 5-mile drive to the beach". Our Vanderbilt Beach guide covers homes for sale there. North Collier Regional Park, at about 3.1 free-flow route miles, is a county park; check the county's pages for hours, fees and facilities.
Culture and gardens
Naples Botanical Garden, at 4820 Bayshore Drive, posts that it is open daily 9 AM to 5 PM as of November 1, 2026. Artis Naples, at 5833 Pelican Bay Boulevard, is home to the Naples Philharmonic and The Baker Museum. Neither is in the route table, so no distance is printed, and their hours change by season.
Golf open to the public nearby
Bridgewater Bay has no golf course, and the POA lists none. Valencia Golf and Country Club, at 1725 Double Eagle Trail, is an 18 hole course open to the public according to a regional tourism listing read November 1, 2026. No distance is printed because the route table has no row for it. Other Naples neighborhoods are on the Naples communities index.
Schools
Assignment is carried from the Collier County Public Schools address lookup of October 21, 2026, run at sample addresses on Sundance Circle and Driftwood Way, against the 2026-2027 district boundaries page. Assignment is by address and can change each year; confirm with the district. Grades are the district's published school grades.
| School | Address | Grade, 2021-22 through 2025-26 |
|---|---|---|
| Osceola Elementary | 5770 Osceola Trail, Naples 34109 | A in each year |
| Pine Ridge Middle | 1515 Pine Ridge Road, Naples 34109 | A in each year |
| Barron Collier High | 5600 Cougar Drive, Naples 34109 | A in each year |
Hospitals and urgent care
Physicians Regional Pine Ridge and NCH North Naples Hospital are the nearest campuses by route miles, with NCH Baker Hospital farther south. In an emergency call 911. Our guide to Pine Ridge covers homes for sale along that corridor.
| Facility | Address | Route miles |
|---|---|---|
| Physicians Regional Pine Ridge | 6101 Pine Ridge Rd, Naples | about 3.4 free-flow route miles; emergency room per its page |
| NCH North Naples Hospital | 11190 Health Park Blvd, Naples | about 5.3 free-flow route miles |
| NCH Baker Hospital | 350 7th St N, Naples | about 9.0 free-flow route miles |
| NCH Medical Group Immediate Care (urgent care) | 801 Vanderbilt Beach Rd, Naples | not in the route table |
| Physicians Regional Urgent Care | 6376 Pine Ridge Rd, Naples | not in the route table; as carried, hours change |
Fire, sheriff, water, sewer and trash
The 2026 tax roll lists North Collier Fire Control at 1.0000 mill for Bridgewater Bay's millage area, so North Collier Fire Control and Rescue District is the fire district on the bill. The Collier County Sheriff's Office serves unincorporated Collier County, where Bridgewater Bay sits. The POA's FAQ names Collier County Utilities for water and sewer, billed separately from the association, and sets trash pickup for Wednesday and Saturday, with recycling and yard waste on Wednesday.
Who governs Bridgewater Bay in Naples: the POA and its sub-associations?
Bridgewater Bay in Naples has one master association, the Bridgewater Bay Property Owner's Association, Inc., and eight sub-associations that the POA names on its public pages. A manager runs the master office, while the sub-associations hold the Bay and plat documents. This section shows who covers which homes, checked November 1, 2026.
The master association
Bridgewater Bay's master association is the Bridgewater Bay Property Owner's Association, Inc. (the POA), which serves all 524 homes. Its website gives the address 3070 Bridgewater Bay Boulevard, Naples, FL 34109, describes 524 residences on 131 acres with 12 lakes, and posts the governing documents (association website, checked November 1, 2026). State records, as carried, show the master association filed March 3, 2000, with amended and restated articles filed May 2, 2025.
Castle Group manages
The association's website names Castle Group as the community's manager, with its office at the clubhouse, 3070 Bridgewater Bay Boulevard (checked November 1, 2026).
The POA's contact page shows the management office open Monday to Friday, 9 AM to 5 PM; its phone numbers are on the POA site. Estoppel and resale document orders run through the manager's website, covered under "What does a buyer pay once at purchase in Bridgewater Bay, Naples?"
The eight sub-associations as the POA lists them
The association's Sales and Leasing page names eight sub-associations, Boca Bay, Caneel Bay, Mango Bay, Coral Bay I, II and III, Carriage Homes and Garden Homes; its Carriage Homes document page lists Turtle Bay and Coconut Bay, state condominium records, as carried, place Rum Bay and Treasure Bay under Garden Homes, and the public pages do not say which homes Boca Bay and Caneel Bay cover.
Coral Bay has three condominium associations and Mango Bay one for both phases, as carried. The Coconut Bay I and II associations went inactive by merger in 2007, as carried; the POA files the Coconut Bay documents under Carriage Homes, and this page names no merger partner. The house plats are covered under "What are the single-family houses in Bridgewater Bay, Naples?"
Which Bays each association covers
This table pairs each Bridgewater Bay condominium Bay with its association and says how we know. Home counts come from the 2026 county roll.
| Association as the POA lists it | Bays and homes on the roll | Evidence |
|---|---|---|
| Bridgewater Bay Carriage Homes | Turtle Bay I to III (64 homes); Coconut Bay I and II (96 homes) | POA document page |
| Bridgewater Bay Garden Homes | Rum Bay I to III (72 homes); Treasure Bay I and II (72 homes) | state records, as carried |
| Coral Bay @ Bridgewater Bay | Coral Bay I, II and III (24 homes each, 72 in all) | POA document page |
| Mango Bay @ Bridgewater Bay | Mango Bay I (16 homes) and II (24 homes) | POA document page |
| Boca Bay @ Bridgewater Bay | not stated on the public pages | not published |
| Caneel Bay @ Bridgewater Bay | not stated on the public pages | not published |
Boca Bay and Caneel Bay: what is and is not published
The POA's pages confirm both names and post documents for each: Boca Bay an FAQ, by-laws, articles and a declaration; Caneel Bay an FAQ, declaration, articles, by-laws, plats and an amendment. We print no Caneel Bay document dates because the number strings in its titles read two ways.
The architectural review page sets one roofing requirement for "Caneel Bay and Boca Bay" together. Which homes those two associations cover is not published, so read their declarations before assuming a street, and ask our agents to request them.
Governing documents and their dates
The table lists documents by title and any date in the title, as the POA's pages showed them on November 1, 2026. We read titles only.
| Association | Documents by title | Date in the title |
|---|---|---|
| Master POA | Rules and Regulations "Dec2025 As Amended"; 2025 recorded amended declaration, articles and bylaws; Working Fund amendment; fob and barcode policy; operational spending authorization | December 2025; 2025; 2023; none; approved June 30, 2026 |
| Carriage Homes | Rules and Regulations; FAQ; amendments; Turtle Bay and Coconut Bay declarations (50 documents) | adopted December 3, 2024 |
| Garden Homes | Rules and Regulations; abridged rules for renters and guests; FAQ; amendments (20 documents) | adopted January 15, 2026 |
| Mango Bay I and II | Rules and Regulations; FAQ; certificate of amendment; declarations (27 documents) | adopted January 16, 2026 |
| Coral Bay I, II and III | FAQ, declaration, bylaws, articles and plats for each; Coral Bay III condominium rules and payment and collection policy (40 documents) | not printed |
| Boca Bay | FAQ, by-laws, articles, declaration | none |
| Caneel Bay | FAQ, declaration, articles, by-laws, plats, amendment | not printed |
What rules apply when you buy or lease in Bridgewater Bay, Naples?
Bridgewater Bay in Naples requires two approvals for a sale and one for a lease, according to the POA's Sales and Leasing page. Pets, vehicles, exterior work and rentals each carry a separate rule, set at different levels. This section names the publisher of each rule and what the public pages leave to the documents.
Sale approval: two boards
The association's Sales and Leasing page says every sale needs approval from both the master association and the sub-association, every lease needs the sub-association's approval, and applications are due at least 20 days before the intended move-in date (checked November 1, 2026).
A Bridgewater Bay sale application asks for identification for each person who will occupy the home, with identification numbers, the executed purchase agreement, vehicle registration, two references and pet registration if applicable. Screening runs through a third-party vendor.
Lease approval and the 20-day lead time
A Bridgewater Bay lease needs the sub-association's approval only, and the application is due at least 20 days before move-in. It lists identification for each occupant, the executed lease or renewal, vehicle registration and two references.
The minimum lease term and the number of leases a year are not published on the public pages; they sit in each sub-association's rules. The lead time rules out a short-notice rental, so confirm the Bay's rule before planning any lease.
Pets
The only pet statement on the POA's public pages sits in the lease application list: "Pets are not allowed." A sale application has a pet registration step if applicable, but the owner limit is not published.
Owner limits sit in each sub-association's rules. The titles to request are the Carriage Homes rules adopted December 3, 2024, the Garden Homes rules adopted January 15, 2026, the Mango Bay rules adopted January 16, 2026, the Coral Bay III condominium rules and the master Rules and Regulations "Dec2025 As Amended."
Vehicles, fobs and the callbox
The Bridgewater Bay Property Owner's Association describes Bridgewater Bay as a gated community and posts a callbox guide and a community app flyer for visitor entry (association website, checked November 1, 2026).
Vehicle registration is part of every sale and lease application, and the master documents include a fob and barcode policy by title. Entrance count and location, parking limits and guest procedures are absent from the public pages, and the gatehouse is not described, so ask the manager how deliveries and contractors enter.
Architectural review
Exterior and interior changes in Bridgewater Bay go through review. The management office receives the packet, the sub-association reviews it, and the Bridgewater Bay review committee gives final approval; no time frame is printed. The packet holds the application, a site or floor plan, contractor plans, permit proof, the contractor's license and an insurance certificate naming the POA.
The flooring rule is explained under "How old are Bridgewater Bay homes in Naples, and what should a buyer check on a 2001 to 2006 building?"
Short-term rentals and Collier registration
Collier County Ordinance 2021-45, effective January 3, 2022, registers short-term vacation rentals in unincorporated Collier County, which includes Bridgewater Bay (county registration page, as carried). The county rule is an outer limit, not a permission.
Each sub-association's lease rule decides first, and the 20-day application lead time applies on top.
Who sets which rule
Four layers write the rules a Bridgewater Bay owner follows, and they stack: a county registration does not replace an association approval, and an association rule does not replace a Florida statute.
| Layer | What it sets | Where to read it |
|---|---|---|
| Master POA | Community rules, architectural review, fobs and callbox, the master approval | POA website pages and master documents |
| Sub-association (Bay or plat) | Its own approval, lease terms, pets, local rules | The Bay's declaration and rules |
| Collier County | Short-term vacation rental registration, taxes, zoning | County registration page and the property appraiser's roll |
| State of Florida | Disclosures, estoppel caps, cancel rights, reserves | Florida Statutes, under the law heading below |
What does a buyer pay each year in Bridgewater Bay, Naples?
A buyer in Bridgewater Bay, Naples pays a master association assessment and a Bay or plat assessment, but no association publishes a dollar amount on its public pages, so no association figure prints here. The association says its fees cover management, common areas and cable. The MLS fee fields appear in one labelled table below.
What the association says the fees cover
Neither the master association nor any sub-association publishes a dollar assessment on its public pages (checked November 1, 2026); the association's FAQ says the fees cover property management, common area maintenance and cable.
The FAQ adds that the association holds a bulk internet contract and that owners may use another internet, phone or cable provider. The scope for exteriors, roofs, lawns and reserves is not stated for any Bay, so read the Bay's declaration and estoppel.
Why no association dollar figure prints
A fee prints on this page only when an association or a recorded document publishes it, and no readable page carries an amount for the master association, Carriage Homes, Garden Homes, Coral Bay, Mango Bay, Boca Bay or Caneel Bay.
Listing sites and directories quote ranges that conflict on frequency, so we leave them out. The current amount for a home comes from the manager's resale package or an estoppel; an offer should wait for that number.
The MLS fee fields in one table
We tracked every fee field the October 29, 2026 export carries for the 41 Bridgewater Bay rows: the master HOA field, the condominium fee field, the HOA fee field, Total Annual Recurring Fees and the Mandatory Club Fee. These are entries listing agents typed, not the associations' published rates; do not add them together.
| Field (Southwest Florida MLS, as entered by listing agents, export of October 29, 2026) | Rows filled | Annualized median | Range |
|---|---|---|---|
| Master HOA fee, annualized | 39 | $5,204 | $4,680 to $5,320 |
| Condominium fee, annualized | 24 | $4,920 | $4,752 to $5,600 |
| HOA fee, annualized | 18 | $4,920 | $1,752 to $5,736 |
| Total Annual Recurring Fees | 41 | $10,152 | $4,680 to $10,920 |
| Mandatory Club Fee | $0.00 entered on all 41 rows | none | none |
| Raw master HOA entries | $1,330 Quarterly on 19 rows; $1,188 Quarterly on 12 rows |
By Bay or plat, the same export's entries read as follows, with the filled count first in each cell.
| Row | Rows | Condominium fee | HOA fee | Master HOA |
|---|---|---|---|---|
| Unit 1 (Sundance Circle) | 2 | 0, none | 2, $3,216 | 1, $4,680 |
| Unit 2 (Sandpiper Way) | 2 | 0, none | 2, $1,760 | 2, $5,196 |
| Coconut Bay I and II | 9 | 7, $4,832 | 2, $4,834 | 9, $4,752 |
| Turtle Bay I to III | 8 | 3, $4,936 | 5, $4,932 | 8, $4,844 |
| Coral Bay I to III | 5 | 1, $5,600 | 5, $5,096 | 4, $4,760 |
| Mango Bay I and II | 1 | 1, $4,752 | 0, none | 1, $5,088 |
| Rum Bay I to III | 5 | 5, $4,920 | 0, none | 5, $5,320 |
| Treasure Bay I and II | 9 | 7, $4,920 | 2, $4,920 | 9, $5,320 |
Reading a master plus Bay assessment
A condominium in Bridgewater Bay sits under the master association and its Bay association, so a buyer meets at least two assessments. The export's master HOA field, condominium fee field and HOA fee field are different entries, filled differently from row to row.
Ask the manager for each association's current budget, whether any special assessment is pending and what the assessment covers for the exact home.
Utilities billed separately
Water and sewer come from Collier County Utilities, per the POA's FAQ, and are billed separately from association assessments. The same FAQ lists trash pickup on Wednesday and Saturday, with recycling and yard waste on Wednesday.
The bulk internet contract is part of what the fees cover.
Insurance inside a condominium assessment
A condominium assessment in Bridgewater Bay may include the Bay association's building insurance. Which Bay buys which coverage, the carrier and any wind deductible are not stated on the public pages; the POA's site does carry a Certificate of Insurance Request page.
Ask the Bay association for its insurance summary. The walls-in split is explained under "Is Bridgewater Bay in Naples in a flood zone, and how do storms and insurance work?"
What does a buyer pay once at purchase in Bridgewater Bay, Naples?
A buyer in Bridgewater Bay, Naples can face an estoppel certificate, a possible transfer fee, a working fund contribution and ordinary closing costs. Florida caps the estoppel and caps a condominium transfer fee at $150 per applicant; the working fund and each Bay's fees stay in the documents, and most one-time amounts are not published.
Estoppel certificates
Under s. 718.116 and s. 720.30851 an estoppel certificate costs no more than $250 when nothing is owed, plus $100 for delivery within 3 business days, plus as much as $150 more when the account is delinquent.
Those are statutory maximums, not the Bridgewater Bay price. The manager's website takes estoppel orders, and the POA pages carry no price, so ask for the amount when you order.
Transfer and application fees
Under s. 718.112(2)(k), a condominium association may charge a transfer fee only if it must approve the transfer and its documents provide for one, and a preset fee may not exceed $150 per applicant, adjusted every 5 years.
Whether any Bridgewater Bay Bay association charges one is not published. The Sales and Leasing page lists no dollar amount for an application.
Working fund contribution: not published
The master POA lists a 2023 Working Fund amendment among its documents, but no public page states an amount, and the amendment's text sits behind a document link we could not read.
Ask the manager in writing whether a working fund or capital contribution is due at closing, and how much, for the exact home. Information not available at time of publishing (checked 2026-11-01).
Resale documents through the manager
Castle Group's website takes estoppel requests and resale document orders, as the POA's Sales and Leasing page states. The resale package is where a buyer finds the Bay's budget, rules and any pending assessment.
Order it before the cancel window in the law section runs, and ask which documents the manager supplies and which the Bay association supplies.
Closing costs in words
Closing costs in Bridgewater Bay look like closing costs elsewhere in Collier County: lender charges, title and settlement charges, recording charges and prorations of taxes and association assessments. We print no dollar figure because none is published for this community.
What are property taxes on a home in Bridgewater Bay, Naples?
Property taxes in Bridgewater Bay, Naples come from one millage area, with no municipal levy and no CDD, plus one non-ad valorem charge on every home. The county roll sets each bill from the home's taxable value. This section shows the ten authority lines, median bills by Bay and plat, and homestead.
The millage rate and its ten lines
Every Bridgewater Bay home sits in Collier County millage area 47, unincorporated, at 9.3696 mills for 2026, with no municipal levy and no CDD on the 2026 roll, and each home's 2026 bill carries $269.77 in non-ad valorem charges.
| Taxing authority (2026 county roll) | Mills |
|---|---|
| General Fund | 3.0107 |
| Water Management (South Florida) | 0.0948 |
| Big Cypress Basin | 0.0978 |
| School Board, state law | 1.8990 |
| School Board, local | 2.2480 |
| Collier Mosquito Control | 0.1331 |
| North Collier Fire Control | 1.0000 |
| Unincorporated General MSTD | 0.6844 |
| Water Pollution Control | 0.0246 |
| Conservation Collier | 0.1772 |
| County group | 3.8969 |
| School group | 4.1470 |
| Other group | 1.3257 |
| Total, millage area 47 | 9.3696 |
Median 2026 bills by Bay and plat
On the 2026 certified county roll (bundle of October 27, 2026), all 524 Bridgewater Bay homes sit at a $3,284.66 median total tax, the 108 houses at a $4,433.55 median and the 416 condominiums at a $3,017.89 median. By row:
| Row | Homes | Median 2026 total tax |
|---|---|---|
| Unit 1 (Sundance Circle) | 66 | $4,180.07 |
| Unit 2 (Sandpiper Way) | 42 | $4,916.73 |
| Coconut Bay I and II | 96 | $3,508.00 |
| Turtle Bay I to III | 64 | $3,284.66 |
| Coral Bay I to III | 72 | $4,535.24 |
| Mango Bay I and II | 40 | $3,802.45 |
| Rum Bay I to III | 72 | $2,725.66 |
| Treasure Bay I and II | 72 | $2,725.66 |
Homestead and the additional exemption
Under s. 196.031, a permanent residence qualifies for an exemption of up to $25,000 of assessed value, and the Florida Department of Revenue's 2026 additional exemption has a maximum of $26,411 on non-school levies. On a Bridgewater Bay bill the $25,000 on all levies saves $234.24, and the additional exemption saves $137.93, or $372.17 together.
The 2026 roll shows a homestead exemption on 231 of Bridgewater Bay's 524 homes, 71 houses and 160 condominiums. That is a tax count only.
Save Our Homes after a purchase
The 2026 Save Our Homes cap of 2.7 percent (Florida Department of Revenue) limits how fast a homesteaded assessed value can grow. A sale resets assessed value to just value the next January 1 (s. 193.155), so a buyer's first bill can differ from the seller's.
That reset is why the worked examples below use the price as taxable value.
Non-ad valorem charges and no CDD
The county roll carries $269.77 in non-ad valorem charges on all 524 Bridgewater Bay homes, houses and condominiums alike. The roll carries the total only; the tax bill names the lines.
Bridgewater Bay has no CDD on the 2026 roll, so no community development district assessment appears among its taxing authorities.
Reading the bill
A Bridgewater Bay tax bill multiplies taxable value by the mills for each authority, then adds the non-ad valorem charges. Taxable value is assessed value less exemptions, so two homes at one price can carry different bills.
Compare the roll's ten lines with the bill, ask the seller for the latest one, and read it beside the details on current listings.
What do worked cost examples show for a Bridgewater Bay home in Naples?
Worked examples for a Bridgewater Bay home in Naples take a price, apply the county's mills and the non-ad valorem charge, and show the result with and without homestead. They are an illustration, not a bill. The prices come from the county and MLS medians printed earlier on this page.
How the examples are built
Each row multiplies the price by the millage for the ad valorem figure, adds $269.77 in non-ad valorem charges, and then subtracts $372.17 for homestead. An illustration, not a bill: assumes taxable value equals the price; the Collier County Property Appraiser sets the real value. Per $100,000 of taxable value, the 9.3696 mills come to $936.96.
| Price used and its set | Ad valorem | With the non-ad valorem charge | Same, with homestead |
|---|---|---|---|
| $427,500 (county 12-month median, 31 condominium deeds) | $4,005.50 | $4,275.27 | $3,903.10 |
| $310,000 (Treasure Bay county 12-month median, 9 deeds) | $2,904.58 | $3,174.35 | $2,802.18 |
| $450,000 (Coconut Bay county 12-month median, 8 deeds) | $4,216.32 | $4,486.09 | $4,113.92 |
| $462,500 (Turtle Bay county 12-month median, 6 deeds) | $4,333.44 | $4,603.21 | $4,231.04 |
| $730,000 (county 60-month house median, 21 deeds) | $6,839.81 | $7,109.58 | $6,737.41 |
| $418,750 (MLS sold condominium median, export of October 29, 2026) | $3,923.52 | $4,193.29 | $3,821.12 |
Association line in every row: master and Bay assessments are not published by the associations; the October 29, 2026 export's master HOA field median is in the MLS fee table earlier on this page. We add no association figure to any row.
A $427,500 condominium
The county recorded 31 qualified condominium deeds in the 12 months to August 31, 2026, so a $427,500 price stands in for a typical Bridgewater Bay condominium deed. The ad valorem figure is $4,005.50, and the bill with the non-ad valorem charge is $4,275.27, or $3,903.10 with homestead.
A $310,000 Treasure Bay condominium
At a $310,000 median, the county's Treasure Bay deeds (9 in the 12 months to August 31, 2026) give an ad valorem figure of $2,904.58 and a $3,174.35 bill with the non-ad valorem charge, or $2,802.18 with homestead. Treasure Bay I and II are two of the six Bridgewater Bay condominium Bays, so this row says nothing about the other four.
A $450,000 Coconut Bay or $462,500 Turtle Bay condominium
Coconut Bay's county deeds (8 in the same 12 months) sit at a $450,000 median, which gives $4,216.32 ad valorem and $4,486.09 with the charge, or $4,113.92 with homestead.
Turtle Bay's county deeds (6) sit at a $462,500 median, giving $4,333.44 ad valorem and $4,603.21 with the charge, or $4,231.04 with homestead. Both are county sets, not MLS sets.
A $730,000 house
Over the 60 months to August 31, 2026, the county recorded 21 Bridgewater Bay house deeds at a $730,000 median. At that price the ad valorem figure is $6,839.81 and the bill with the non-ad valorem charge is $7,109.58, or $6,737.41 with homestead. No house recorded a qualified sale in the 12 months to August 31, 2026, so this row uses the 60-month window.
What the examples leave out
The examples leave out association assessments, flood and wind insurance quotes, utilities, one-time costs, any exemption other than homestead and any change in assessed value or millage after 2026.
The real bill follows the roll's taxable value for the exact home. The same method works for any other Naples home with a price and a millage area.
Is Bridgewater Bay in Naples in a flood zone, and how do storms and insurance work?
Bridgewater Bay in Naples was checked at four sample addresses only, and the lender's flood determination on the exact address governs for any single home. This section covers the sample, map dates, flood quotes, storms at area scale and the condominium master policy. None of it is a quote or a claim.
The sample and what Zone X means
At four sample addresses on Sundance Circle, Sandpiper Way, Driftwood Way and Horizon Lane checked against the FEMA flood map on October 21, 2026, Bridgewater Bay sat in Zone X, area of minimal flood hazard, and evacuation Zone C, as carried; zones can differ from one address to the next.
Those are four addresses, not every home in the community, and the lender's flood determination on the exact address governs. Evacuation zones describe storm surge, not flood insurance, so the two letters answer different questions.
Map dates
The effective map for Bridgewater Bay is the 2012 countywide flood map, effective May 16, 2012, as carried. The county released a preliminary flood map on March 20, 2025 and reports a target effective date in summer 2027 (county news release, August 2026).
Whether any Bridgewater Bay address changes on the preliminary map is not published here. Information not available at time of publishing (checked 2026-11-01).
Flood determinations and elevation certificates
A lender orders a flood determination for the exact address, and that determination, not a community-wide sample, decides whether a mortgage requires flood coverage. Ask for it early.
An elevation certificate is optional under Risk Rating 2.0, and a condominium unit usually relies on the building's certificate. Ask the seller for any certificate on file.
Storm history at area scale
Hurricane Irma in September 2017 and Hurricane Ian in September 2022 both affected North Naples, and the National Weather Service Irma summary and the National Hurricane Center Ian report describe the area, not this community.
No source we checked names Bridgewater Bay, and no community-specific damage report was found in the sources checked.
NFIP and private flood quotes
Flood coverage in Zone X is optional under federal rules and is priced on the building's own features under Risk Rating 2.0. Get a written NFIP quote and a private quote for the exact address before the contract deadline.
Wind and flood are separate policies, and a waiting period usually applies before a new flood policy takes effect, so the lender's flood determination on the exact address governs how early to ask.
The condominium master policy and HO-6
For a Bridgewater Bay condominium, the association insures the building as originally installed, and the owner's HO-6 policy covers interior finishes, fixtures and contents, the walls-in split. Which Bay association buys which coverage is not stated on the public pages.
Compare the Bay association's insurance summary with an HO-6 quote, and contact us if you want help lining up the documents.
Citizens and the 2026 market, as reported
Press coverage reports that Citizens filed decreases for 2026 and that private carriers also filed decreases (Florida news outlets, listed in the sources). We print no premium, percent or policy count for Bridgewater Bay because none is published for it.
A quote depends on the building's features, location and claims history. Citizens publishes its own flood requirements, so ask an agent which apply.
What does Florida law require when you buy in Bridgewater Bay, Naples?
Florida law gives a buyer in Bridgewater Bay, Naples a cancel window, disclosures and, for condominium buildings of three habitable stories or higher, reserve and milestone rules. Story counts per Bay are not published. This is not legal advice; ask a Florida real estate attorney how each rule applies to your contract.
| Rule | What it says | Applies to |
|---|---|---|
| s. 718.503(2) | Cancel by written notice within 7 days, excluding Saturdays, Sundays and legal holidays, after signing and receiving the documents | The 416 condominium resales |
| s. 720.401 | Disclosure summary; a cancel right if it was not given before signing | The 108 houses |
| s. 718.112(2)(g) | Structural integrity reserve study | Qualifying condominium buildings |
| s. 553.899 | Milestone inspection | Qualifying condominium buildings |
| s. 718.116 | New owner jointly liable for unpaid assessments up to transfer | Condominium homes |
| s. 689.302 | Seller flood disclosure | Sales of residential property |
The 7-day condominium resale window
Under s. 718.503(2), a Bridgewater Bay condominium contract must carry either an acknowledgment that the buyer received the association documents more than 7 such days before signing, or a clause letting the buyer cancel by written notice within 7 days, excluding Saturdays, Sundays and legal holidays, after signing and receipt.
All 416 condominium homes are resales today. The longer clause in s. 718.503(1)(a) is the developer-sale legend and does not govern them. Ask your attorney how dates count.
s. 720.401 for the houses
The 108 Bridgewater Bay houses sit outside Chapter 718. Under s. 720.401, a buyer who did not receive the disclosure summary before signing may cancel within 3 days after receiving it (as carried).
The public pages do not say which association governs each house, so ask for the summary and the declaration at the start.
Structural integrity reserve studies
Under s. 718.112(2)(g), as read on November 1, 2026, an owner-controlled condominium association that existed on July 1, 2022 must have a structural integrity reserve study for each building of three habitable stories or higher, with an outer completion date of December 31, 2026.
Story counts per Bay are not published, so ask each Bay association whether its buildings are in scope and for the study or the conspicuous statement that it is not complete.
Milestone inspections
Under s. 553.899, a condominium building of three habitable stories or higher needs a milestone inspection by December 31 of the year it reaches 30 years from its certificate of occupancy, then every 10 years; the local agency may require 25 years near salt water.
The certificate of occupancy date controls, not the roll's year built, so we print no inspection year for any Bay.
Unpaid assessments and estoppel
Under s. 718.116, a new condominium owner is jointly liable with the previous owner for unpaid assessments up to transfer. The estoppel certificate shows what is owed, which is why its price and timing matter.
The caps are under "What does a buyer pay once at purchase in Bridgewater Bay, Naples?" Order it early.
Seller disclosures
Under s. 689.302 a seller makes a flood disclosure, and the seller's tax-bill disclosure under s. 689.261 starts February 1, 2027, as carried.
Read both forms with the lender's determination. Law changes; confirm each rule with a Florida real estate attorney, because this page is not legal advice.
How do Bridgewater Bay home prices in Naples compare with nearby communities without golf?
Bridgewater Bay in Naples can be set beside six nearby communities without golf using the same county roll and the same 12 months of recorded deeds. The tables list homes, county deeds and millage side by side and draw no ranking, no verdict and no distance.
The peer table
Every cell counts qualified improved deeds for homes with a residence row, from the county's October 27, 2026 bundle; nothing here comes from the MLS. The last column shows the 12 months to August 31, 2025, for reference.
| Community | Homes | County deeds, 12 months to August 31, 2026 | Condominium use code | Single-family use code | 12 months to August 31, 2025 |
|---|---|---|---|---|---|
| Bridgewater Bay (this page) | 524 | 31 county deeds at a $427,500 median | 31 at a $427,500 median | none | 26 at a $447,000 median |
| Wilshire Lakes | 550 | 26 at a $412,000 median | 14 at a $306,750 median | 12 at a $1,195,000 median | 16 at a $772,500 median |
| Island Walk | 1,856 | 111 at a $520,000 median | none | 111 at a $520,000 median | 71 at a $600,000 median |
| Saturnia Lakes | 580 | 27 at an $815,000 median | none | 27 at an $815,000 median | 33 at a $785,000 median |
| Carlton Lakes | 760 | 32 at a $452,500 median | 23 at a $395,000 median | 9 at a $785,000 median | 36 at a $451,250 median |
| Huntington Lakes | 648 | 36 at a $322,950 median | 36 at a $322,950 median | none | 23 at a $345,000 median |
| Falling Waters | 200 | 6 at a $325,000 median | 6 at a $325,000 median | none | 7 deeds |
Condominium with condominium
In the condominium use code, Huntington Lakes recorded 36 county deeds at a $322,950 median and Falling Waters 6 at a $325,000 median, while Bridgewater Bay recorded 31, all condominiums, at a $427,500 median. Falling Waters is a small set, not a typical price.
Houses with houses
Island Walk at a $520,000 median and Saturnia Lakes at an $815,000 median are all houses. Bridgewater Bay recorded no house deed in this window; "What are the single-family houses in Bridgewater Bay, Naples?" holds its house deeds.
Millage across the peers
| Community | Millage rate for 2026 | Homes at that rate |
|---|---|---|
| Bridgewater Bay, Wilshire Lakes, Carlton Lakes, Huntington Lakes | 9.3696 mills | all homes |
| Island Walk, Saturnia Lakes | 10.3696 mills | all homes |
| Falling Waters | 10.3696 mills on 110 homes; 9.3696 mills on 90 homes | split |
Blended medians move with the mix of homes. For more places, see Naples communities.
Which names get confused with Bridgewater Bay in Naples?
Bridgewater Bay in Naples shares its name with places elsewhere in Florida and its Bay names with listings in other Naples communities, so a search on the name alone can return the wrong place. The table sorts each look-alike from the homes counted on this page.
| Name | What it is | Telling it apart |
|---|---|---|
| The Bridgewater | A 47-unit condominium in Bonita Springs | Not Naples; never counted |
| Bridgewater, Jupiter | A community on Florida's east coast | Not Naples; never counted |
| Falling Waters | A separate Naples community | Peer table only |
| Pelican Marsh | A separate Naples community | No figures here |
| Coconut Bay, Mango Bay, Rum Bay, Turtle Bay | Bay names that recur in other Naples listings | Read the full name with Bridgewater Bay |
| Oak Grove | The planned unit development Bridgewater Bay sits inside | A zoning name, not a neighborhood |
A similarly named condominium in Bonita Springs
That 47-unit condominium is in Bonita Springs, a different city with its own record. None of its deeds, taxes or association rules belong to Bridgewater Bay in Naples, and none are counted here.
A Bridgewater on the east coast
A community also called Bridgewater sits in Jupiter on Florida's east coast. It is a different place with a different record, so a Naples search that returns it is a miss.
Falling Waters and other nearby names
Falling Waters and Pelican Marsh are separate Naples communities with their own associations and records.
Bay names that recur in Naples listings
Coconut Bay, Mango Bay, Rum Bay and Turtle Bay can appear in Naples listings outside this community, so read the full name and the MLS development field. Oak Grove is the Collier County planned unit development Bridgewater Bay sits inside, as carried, not a neighborhood.
How do you buy a home in Bridgewater Bay, Naples, step by step?
Buying in Bridgewater Bay in Naples starts with the Bay or plat, because 416 condominiums and 108 houses carry different associations, rules and tax lines. Each step below points to the section holding the figures, and the table lists the papers to request before you offer.
| Document | Who provides it | Why it matters here |
|---|---|---|
| The POA's and the Bay's declaration | The association | Use limits and approvals |
| Rules with their dates | The POA and each sub-association | Leases, pets, vehicles |
| The budget | The association | Dollar amounts are not public |
| The Bay's reserve study or its conspicuous statement | The condominium association | Condominiums only |
| Milestone inspection summary, if any | The condominium association | Building condition |
| Estoppel certificate | The manager's website order | Amounts owed |
| Seller flood disclosure (s. 689.302) | The seller | Flood damage and claims |
| Wind mitigation and four-point reports | An inspector | Credits and insurer needs |
| Roof permit date | County permit record | Date of the last reroof |
| Flood determination | The lender | Zone for the exact address |
| Insurance quotes | Your insurance agent | Cost before you commit |
| Tax bill with the non-ad valorem line | Collier County | The lines the bill names |
Pick the Bay or plat first
Two streets hold two Bays each, so a street address alone does not tell you the Bay. "What are the condominiums in Bridgewater Bay, Naples, Bay by Bay?" sets out each Bay.
Ask for the resale package and estoppel
Order both through the manager's website early. The estoppel states what is owed; the association's own charge for it is not published.
Two approvals and a 20-day lead time
A sale needs the master association and the sub-association; start both applications before the contract deadline.
Inspections and insurance quotes before the deadline
Book the roof, wind mitigation and four-point inspections inside the cancellation window, and get flood and condominium owner's quotes in writing.
Flood determination for the exact address
Ask the lender to run the flood determination for the exact address and read the seller's flood disclosure; sample zones do not transfer between addresses.
Closing and the homestead filing
Homestead is filed with the Collier County Property Appraiser after closing, if the home qualifies. "What are property taxes on a home in Bridgewater Bay, Naples?" lists the exemption amounts.
Frequently Asked Questions about homes for sale in Bridgewater Bay, Naples
These 32 answers cover Bridgewater Bay in Naples in short form, from location and home counts to approvals, taxes, flood and Florida law. Each answer names its record set, the county's deeds or the October 29, 2026 MLS export, and points to the fuller section for the figures.
Where is Bridgewater Bay in Naples, FL?
Bridgewater Bay is a community of 524 homes on 131 acres with 12 lakes in unincorporated Collier County, Naples, ZIP 34109. The association places it off Orange Blossom Drive between Livingston Road and Airport-Pulling Road; its clubhouse is at 3070 Bridgewater Bay Boulevard.
Is Bridgewater Bay inside the City of Naples?
No, Bridgewater Bay is not inside the City of Naples. The 2026 county roll puts every home in millage area 47 with no municipal levy, so a tax bill has no City of Naples line; the postal name does not set city limits.
How many homes are in Bridgewater Bay?
The 2026 county roll lists 524 homes in Bridgewater Bay, Naples, matching the 524 residences the association publishes: 416 condominiums in six Bays and 108 single-family houses in two plats. The other 17 parcels hold the clubhouse, lakes, roads and common land.
What types of homes are in Bridgewater Bay?
Bridgewater Bay in Naples holds 416 condominiums in six recorded Bays and 108 single-family houses in two plats. The association also names carriage, garden and coach homes as styles, and the carriage and garden mapping is as carried from state records.
What are the Bays in Bridgewater Bay?
Bridgewater Bay in Naples has six condominium Bays: Coconut Bay with 96 homes, Turtle Bay 64, Coral Bay 72, Mango Bay 40, Rum Bay 72 and Treasure Bay 72. Driftwood Way and Horizon Lane each carry two Bays, so read the Bay name, not the street.
What have Bridgewater Bay condos sold for recently?
The county recorded 31 condominium deeds in Bridgewater Bay, Naples, in the 12 months to August 31, 2026, at a $427,500 median. By Bay: Coconut Bay 8 at a $450,000 median, Turtle Bay 6 at a $462,500 median, Treasure Bay 9 at a $310,000 median. Separately, the October 29, 2026 MLS export shows 28 sold at a $418,750 median.
What have Bridgewater Bay houses sold for?
No Bridgewater Bay house in Naples recorded a qualified sale in the 12 months to August 31, 2026. Over the 60 months to August 31, 2026 the county recorded 21 house sales at a $730,000 median. Separately, the October 29, 2026 MLS export held 4 active houses, listed at $699,900 to $755,000.
How many Bridgewater Bay homes are for sale right now?
The October 29, 2026 MLS export held 8 active Bridgewater Bay listings in Naples, 4 houses and 4 condominiums, plus 5 pending condominiums, contingencies included. A live search can differ from that dated export, so use the buying section below.
When were Bridgewater Bay homes built?
On the 2026 county roll, homes in Bridgewater Bay, Naples carry earliest residence years from 2001 to 2006, median 2003: condominiums 2001 to 2005, houses 2001 to 2006. Condominium Bays recorded from October 2001 to March 2005, as carried from state records.
Who built Bridgewater Bay?
No builder or developer is named in any published record we found for Bridgewater Bay in Naples: the association's website, the county roll and the state condominium records are silent. The roll gives each home's year built; state records give recording dates, as carried.
How big are Bridgewater Bay condos and houses?
In the October 29, 2026 MLS export, sold Bridgewater Bay condominiums in Naples show a median living area of 1,528 sq. ft. across 28 listings, and the four active houses run from 1,769 to 2,376 sq. ft. These are sizes agents entered, not county measurements.
Do Bridgewater Bay homes have pools?
On the 2026 county roll, 61 of Bridgewater Bay's 524 residences in Naples carry a pool row, all houses: 35 of 66 in Unit 1 and 26 of 42 in Unit 2. No condominium does; the leisure and lap pools sit on the clubhouse parcel.
What is the Bridgewater Bay HOA fee?
Bridgewater Bay's master association and sub-associations publish no dollar assessment on their public pages (checked November 1, 2026), so none prints here. The October 29, 2026 export's master HOA field holds amounts agents typed. For a Naples purchase, ask the manager for the Bay's figure.
What do Bridgewater Bay association fees cover?
The association's FAQ says fees at Bridgewater Bay in Naples cover property management, common area maintenance and cable. Internet runs through a bulk contract the association holds, and Collier County Utilities bills water and sewer separately, per the same FAQ.
Who manages Bridgewater Bay?
Castle Group manages Bridgewater Bay in Naples, per the association's website (checked November 1, 2026), with its office at the clubhouse, 3070 Bridgewater Bay Boulevard. The contact page lists Monday to Friday, 9 AM to 5 PM, and estoppel and resale papers are ordered through its website.
What approvals does a Bridgewater Bay purchase need?
A Bridgewater Bay sale in Naples needs approval from both the master association and the sub-association, and a lease needs the sub-association's approval. Applications are due at least 20 days before the intended move-in date, per the association's Sales and Leasing page (checked November 1, 2026).
Can you rent out a home in Bridgewater Bay?
In Bridgewater Bay, Naples, each Bay's lease rule decides first, and every lease needs the sub-association's approval with the 20-day lead time. Collier County Ordinance 2021-45, effective January 3, 2022, also registers short-term vacation rentals in unincorporated Collier County, as the county's registration page states.
Are pets allowed in Bridgewater Bay?
The association's lease application list for Bridgewater Bay in Naples carries the words "Pets are not allowed." Owner pet limits sit in each sub-association's rules, which the public pages do not publish. Ask for the Bay's rules and the pet registration form before you offer.
What amenities does the Bridgewater Bay clubhouse have?
The 36,000 sq. ft. Bridgewater Bay clubhouse in Naples has meeting rooms, a library, an event hall, a leisure pool with a 7 person hot tub, a 25 yard lap pool, fitness equipment, saunas and steam rooms as the POA describes them, 2 tennis courts, 2 pickleball courts, 2 bocce courts and a half-court basketball court.
How do visitors enter Bridgewater Bay?
Bridgewater Bay in Naples posts a callbox guide and a community app flyer for visitor entry on the association's website (checked November 1, 2026). The gatehouse is not described and guest rules are not published, so ask the manager how a visitor is announced.
Does Bridgewater Bay have a golf course?
No, Bridgewater Bay in Naples has no golf course. Its amenities are the clubhouse, pools, courts and 12 lakes and preserves on 131 acres. Golf open to the public nearby includes Valencia Golf and Country Club, an 18-hole public course per a tourism listing.
Does Bridgewater Bay have a CDD?
No, Bridgewater Bay in Naples has no CDD on the 2026 roll: the county's 2026 tax roll lists no community development district for any of its homes. Each bill instead carries non-ad valorem charges that the tax bill names line by line.
What are property taxes in Bridgewater Bay?
Every Bridgewater Bay home in Naples sits in millage area 47 at 9.3696 mills for 2026, with $269.77 in non-ad valorem charges on each bill. County bills run at a $3,017.89 median for condominiums and a $4,433.55 median for houses.
Is Bridgewater Bay in a flood zone?
At four sample addresses checked against the FEMA flood map on October 21, 2026, as carried, Bridgewater Bay in Naples showed Zone X, area of minimal flood hazard, and evacuation Zone C. Zones can differ by address: the lender's flood determination on the exact address governs.
Which fire district serves Bridgewater Bay?
North Collier Fire Control and Rescue District is the fire district on a Bridgewater Bay tax bill in Naples. The 2026 county roll lists its 1.0000 mill line for the community's millage area, and the Collier County Sheriff's Office serves unincorporated Collier County.
Which schools serve Bridgewater Bay?
For Bridgewater Bay in Naples, the district lookup of October 21, 2026, at sample addresses on Sundance Circle and Driftwood Way, assigned Osceola Elementary, Pine Ridge Middle and Barron Collier High, each graded A in 2021-22 through 2025-26. School assignment follows the street address and can change from year to year, so confirm it with the district.
Which hospitals are near Bridgewater Bay?
From Bridgewater Bay Boulevard near the clubhouse in Naples, Physicians Regional Pine Ridge is about 3.4 free-flow route miles, NCH North Naples Hospital about 5.3 and NCH Baker Hospital about 9.0, per the Domain Realty Group route table, November 1, 2026.
How far is Bridgewater Bay from the beach?
Vanderbilt Beach is about 5.7 free-flow route miles from Bridgewater Bay Boulevard near the clubhouse in Naples, per the Domain Realty Group route table, November 1, 2026; the Naples Pier area is about 10.6. The association's own phrase is "just a 5-mile drive to the beach."
Do Bridgewater Bay condominiums need a milestone inspection and reserve study?
Bridgewater Bay condominiums in Naples fall under Florida's reserve study rule where a building has three habitable stories or higher, and under milestone inspection timing set by each building's certificate of occupancy. Story counts per Bay are not published, so ask each Bay association.
How long do you have to cancel a Bridgewater Bay condominium resale contract?
A buyer of a Bridgewater Bay condominium in Naples can cancel within 7 days, excluding Saturdays, Sundays and legal holidays, after signing and receiving the association documents, under s. 718.503, unless they arrived earlier. This is not legal advice; ask a Florida real estate attorney.
What does an estoppel certificate cost in Bridgewater Bay?
Florida law caps an estoppel certificate for a Bridgewater Bay home in Naples at $250 when nothing is owed, plus $100 for delivery within 3 business days and as much as $150 more when the account is delinquent. The association's own charge is not published.
How do Bridgewater Bay prices compare with Wilshire Lakes and Carlton Lakes?
County condominium deeds in the 12 months to August 31, 2026 show Bridgewater Bay, Naples, at 31 with a $427,500 median, against 14 at a $306,750 median and 23 at a $395,000 median for the two named communities, in that order. This is no ranking.
Ready to buy or sell in Bridgewater Bay, Naples?
Buying or selling in Bridgewater Bay in Naples comes down to the papers on the exact home: the Bay's declaration and rules, the resale package and estoppel, the roof and wind records and the lender's flood paperwork. Our team follows the Southwest Florida MLS daily and will gather each one with you.
Thinking of buying in Bridgewater Bay?
Send us a price range and whether you want a condominium or a house, and we will watch for new listings; contact us or meet our agents.
Thinking of selling in Bridgewater Bay?
For a seller, the county recorded 31 sales of Bridgewater Bay homes at a $427,500 median in the 12 months to August 31, 2026, and that all-condominium figure moves with the Bay. Separately, the October 29, 2026 export held 8 active and 5 pending. To price a home you own, request a valuation or contact us.
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About Domain Realty Group
Domain Realty Group works from three offices (Naples, Bonita Springs and Fort Myers) across Lee, Collier and Charlotte counties. Domain Realty Group has been the #1 team in Southwest Florida since 2012, with $2.5 billion in team production and more than 4,000 transactions. Our Naples team works with buyers and sellers across Bridgewater Bay's 524 homes, from the condominium Bays on Driftwood Way and Horizon Lane to the houses on Sundance Circle and Sandpiper Way, off Orange Blossom Drive in North Naples.
Jesse McGreevy and Marc Comisar lead the team, with over 45 years of combined direct experience. Our agent-partners are on our agents page, and about Domain Realty Group tells the rest. Domain Realty Group has been the number one team in Southwest Florida since 2012, and our Naples office on Galleria Court serves buyers and sellers across Naples, from East Naples to the city, North Naples and Vanderbilt Beach.
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Naples office: 9180 Galleria Ct #200, Naples, FL 34109
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Where to go next: Naples homes for sale and communities, all Naples communities, current listings and about the team.
Sources
Entries without a web address are text citations.
Records cited as text
- Collier County Property Appraiser 2026 certified roll and qualified deed file, October 27, 2026 bundle
- Collier County official records of plats and declarations
- Southwest Florida MLS export of October 29, 2026, members only
- Florida DBPR condominium extract, October 2026
- Collier County Public Schools address tool, run October 21, 2026
- Collier County evacuation zone layer, checked October 21, 2026
- FEMA Flood Map Service Center, address lookup, October 21, 2026
- Collier County PUD layer
- Domain Realty Group route table, free-flow route miles, November 1, 2026
The association website
- Association site, home
- Association site, clubhouse page
- Association site, page 1
- Association site, page 3
- Association site, amenities page
- Association site, page 5
- Association site, page 6
- Association site, page 7
- Association site, page 8
- Association site, page 9
- Association site, page 10
- Association site, page 11
- Association site, page 12
- Association site, page 13
- Association site, page 14
The manager
- Manager site, association documents request
- Manager site, resident center
- Manager site, online forms
Florida law
- s. 718.503
- s. 718.112
- s. 718.116
- s. 553.899
- s. 720.401
- s. 720.30851
- s. 196.031
- s. 193.155
- s. 689.302
- s. 689.261
- Rule 12D-8.008
State and county
- Revenue Department homestead guide
- Revenue Department Save Our Homes guide
- DBPR condominium inspections
- County PUD master list
- County short-term rental registration
- County 311 article
- County utility planning
- County proposed flood map notice
- Ian landfall coverage, September 2022
Schools and health
- District home
- District attendance boundaries
- District school list
- District grades, 2025-26
- NCH Naples locations
- NCH emergency services
- Physicians Regional home
- Physicians Regional Pine Ridge
- Physicians Regional Collier Boulevard
Places
Flood, storms and insurance
- FEMA Risk Rating 2.0 FAQ
- Elevation certificate article
- Citizens flood coverage requirement
- NHC Hurricane Ian report
- NWS Hurricane Irma summary
- NCEI storm event
- WGCU Ian coverage
- Citizens rate coverage
- Insurer rate filings for 2026
- Business Observer, Citizens
- WGCU insurance outlook, March
- WGCU insurance outlook, May
- WGCU Citizens, January
Condominium law coverage
- Law firm condominium summary
- Engineering guide, milestone
- Engineering guide, reserve studies
- Management summary, milestone
- Engineering guide, Florida milestone
- Business Observer, January 2025
- Business Observer, June 2025
- Florida condo inspection law summary
- Property insurance market survey, September 2026
- Florida insurance market coverage, January 2025
Regional business coverage