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Waterways of Naples Homes for Sale in Naples, FL

Waterways of Naples is a resale neighborhood of detached homes in Naples, FL 34120, set on the north side of Oil Well Road in eastern Collier County. This guide sits within our Naples homes and communities section and reads the community through recorded deeds, the property roll and one dated MLS export. Data updated: November 2026.

Aerial photo of Waterways of Naples detached homes along a community lake in Naples, FL 34120
Waterways of Naples, Naples, FL 34120, seen from above: detached homes in Units 2, 3 and 4 and the association lake parcels. Aerial image: USDA NAIP, February 14, 2023.

By Jesse McGreevy and Marc Comisar, Domain Realty Group. Data updated: November 2026. Call Domain Realty Group at 239-441-2816.

What should buyers know first about Waterways of Naples in Naples, FL?

Waterways of Naples is a finished resale community: every home on its seven plats was built between 1997 and 2003, and nothing new is being added. Prices below come from two records, recorded deeds and one dated listing export, each named with its own window. Read the two sets separately, then check each address before an offer.

Seven plats, one community

Waterways of Naples is a community of 423 detached homes on seven plats in the Orangetree area of unincorporated Collier County, Naples, FL 34120, with Oil Well Road along its south edge. The plats run from Unit 1 to Unit 7, and they were recorded in roughly the order the homes went up, so the Unit number on a deed says a good deal about when a home was finished before you open the file.

The county roll codes all 423 Waterways of Naples homes with use code 1 for a detached house, and all 26 rows in the October 29, 2026 MLS export describe detached homes. That makes this a single product to study. Every figure below concerns a standalone house on its own lot inside one homeowners' association.

Waterways of Naples county and MLS figures at a glance

Waterways of Naples figure Source and window Value
County homes, Unit 1 to Unit 7 2026 county roll 423
County common parcels 2026 county roll 28
County deeds, every Unit September 2025 through August 2026 20 at a median of $546,950
County deeds, Unit 5 September 2025 through August 2026 7 at a median of $540,000
County deeds, every Unit September 2021 through August 2026 (60 months) 100 at a median of $560,000
County homestead exemptions 2026 county roll 333 of 423
County lots by a lake parcel County parcel lines 341 of 423
MLS closings, every Unit October 29, 2026 export 22 at a median of $549,950
MLS active and pending October 29, 2026 export 4 active, 0 pending

Start with the first deed row. County deeds for all 423 Waterways of Naples homes, recorded September 2025 through August 2026, give a median of $546,950 on a range from $400,000 to $740,000. The Unit 5 row is the only Unit with enough deeds in that window to carry a median, and its county deeds from September 2025 through August 2026 show $540,000 on a range from $425,000 to $740,000.

The MLS line stands apart. It covers closings in the twelve months before the October 29, 2026 export. That window does not line up with the deed window, so we keep the two on separate rows for that reason and never add one to the other.

How we counted Waterways of Naples

We tracked 20 qualified county deeds for Waterways of Naples homes from September 2025 through August 2026, 18 in the prior twelve months and 100 across 60 months, and placed every deed on its Unit plat. A qualified deed is one the property appraiser treats as an open market sale of an improved home, so transfers between relatives, bank transfers and corrective deeds stay out.

We tracked 26 MLS rows filed under the development name Waterways of Naples in the October 29, 2026 export: 22 closed sales and 4 active listings. Each row was matched to a street inside the plat lines before it counted. Rows from look-alike names were not pulled in, and no row was counted twice.

A median prints only when a set holds five or more sales. Below that, we list the prices or the low and high ends instead. A middle value drawn from two or three deeds tells you about those houses and little about the rest.

What this page leaves out

The 2026 county roll lists 451 parcels on the seven Waterways of Naples plats, Unit 1 through Unit 7: 423 homes plus 28 common parcels such as the clubhouse parcel, the lake parcels and open tracts. Only the homes enter the sales and size figures.

We did not count the county records for Waterway Cove, Waterway Pointe or Lake Placid Waterway, which are separate places with similar names. We also leave out any figure that divides a price by a home's size, any alternative size field and any estimate of how long the current listings might take to sell. The association's assessment is not on its public pages, so no dues figure appears here either; the fees section later explains what is and is not published.

Which Waterways of Naples homes are for sale right now?

Listings change daily, so the live search below is the current picture, and the export figures in this section are a dated snapshot. Confirm every street name before you book a showing. Each result opens to its own listing page, so check the Unit and the street against the county roll.

Search the live listings

The live search below uses the MLS development name Waterways of Naples with a map box around the seven plats; check each result's street before a showing.

Every Waterways of Naples home for sale

Waterways of Naples listings new in the last 30 days

Waterways of Naples homes priced under $589,000

Waterways of Naples homes at $589,000 or more

The four views split the same search by listing date and by price. For homes across the wider area, open our property search.

Listings in the October 29, 2026 export

The same MLS export shows 4 active listings, asking $610,000 to $735,000, and none pending on October 29, 2026. Asking prices are what sellers hoped for on that date, not what buyers paid. A listing can be withdrawn, cut or put under contract the next morning, which is why we date every line that comes from the export.

The same export gives a median MLS living area of 2,290 square feet for the rows that carry the field. Living area is measured by the listing agent, often from older plans or a fresh tape, so treat it as a listing field rather than a survey.

How the MLS names the community

Agents file these homes under one development name in the export, and no Unit number appears in that field. The Unit has to come from the legal description or the plat, which the title file and the appraiser's parcel page both show.

The export writes the name in capital letters; this page writes it as Waterways of Naples. The rows we kept sit on 15 measured streets inside the plat lines. A listing labeled with a different development name but sitting on one of those streets would have counted, and none turned up.

Questions to ask before a showing

A short list saves a wasted trip. Ask the listing agent which Unit the home sits in, and pull the parcel page to confirm it. Ask whether the living area on the sheet matches the base area on the parcel page, and why if it does not.

Ask for the association's current documents and the most recent rules, since the Board reviews every sale. Ask the seller for roof, window and shutter records with dates. Check the flood zone for that exact address rather than for the community as a whole. If you would like an agent to run these questions for you, contact our team.

Where is Waterways of Naples in Naples, FL 34120?

Waterways of Naples lies in eastern Collier County, north of Oil Well Road, in the 34120 ZIP code. It sits outside any city, so county government provides its public services. Homes carry Naples addresses, though no city line appears on the tax bill, and the sections below set out the route table and the parcel edges.

Oil Well Road along the south edge

Measured from county parcel lines, Waterways of Naples has Oil Well Road along its south edge and 39th Avenue NE along its north edge, in the Orangetree area of eastern Collier County. Oil Well Road is County Road 858, the east to west road that links this part of the county with the routes toward I-75.

In the Domain Realty Group route table, the turn onto Oil Well Road is about 0.9 route miles from the centre of Waterways of Naples. The plats are wide, so a home near the south edge reaches that turn faster than one on the northern streets.

The Orangetree area of eastern Collier County

Orangetree is the name of the wider area and of the planned unit development that surrounds the community, not a different name for Waterways of Naples. Mail carries a Naples address and the 34120 ZIP, though the land is unincorporated Collier County.

That status matters in small ways. Building permits, code questions and road work go through Collier County offices. The property tax bill carries county, school and district lines with no city line on it, a point the tax section of this page walks through with millage figures.

Getting to I-75 and the coast

The I-75 interchange at Immokalee Road (exit 111) is about 10.0 route miles from the Oil Well Road exit and about 10.9 route miles from the centre of Waterways of Naples in the same route table. That interchange is the usual way west toward the coast and north toward Fort Myers.

For the Gulf, Vanderbilt Beach Park is about 17.5 route miles from the centre of Waterways of Naples, and Delnor-Wiggins Pass State Park is about 16.8 route miles from the centre. Southwest Florida International Airport (RSW) sits about 33.7 route miles from the centre. The full route table appears in the section on what is near the community.

The parcels on the 2026 roll

On the 2026 county roll, 333 of the 423 Waterways of Naples homes carry a homestead exemption. A homestead line means an owner has filed the home as a primary residence with the property appraiser, which caps how fast its assessed value can climb each year.

That cap does not travel with a sale. When a home changes hands, the assessed value resets toward market value on the next roll, so a buyer's first bill can run well above the seller's. The property tax disclosure summary covered later on this page exists for exactly that reason.

The common parcels belong to the association, not to any homeowner. They include the clubhouse parcel, the lake parcels and open tracts, and they carry no homes. Lot sizes and the count of lots measured against the lake parcels sit in the homes section below.

What have Waterways of Naples homes sold for in county records?

County deeds for all 423 Waterways of Naples homes, September 2025 through August 2026, show 20 sales at a median of $546,950, from $400,000 to $740,000. Unit 5 alone has enough deeds for its own median. The other Units show a handful of deeds each, listed below as prices or ranges.

County deeds by Unit and window

County deeds for all 423 Waterways of Naples homes show 20 sales at a median of $546,950 from September 2025 through August 2026, ranging from $400,000 to $740,000, and Unit 5 is the only Unit with enough sales for its own median, 7 sales at $540,000.

Segment (county roll, qualified improved deeds) Homes Year built T12 deeds T12 median T12 range Prior 12 deeds Prior 12 median 60 months deeds 60 months median
County, all Waterways of Naples homes 423 1997 to 2003 20 $546,950 $400,000 to $740,000 18 $561,250 100 $560,000
County, Unit 1 (plat 707200) 30 1997 to 2001 1 too few $400,000 to $400,000 1 too few 4 too few
County, Unit 2 (plat 707205) 51 1998 to 1999 2 too few $484,900 to $565,000 2 too few 10 $580,000
County, Unit 3 (plat 707210) 41 1999 to 2000 2 too few $440,000 to $455,000 2 too few 12 $501,500
County, Unit 4 (plat 707215) 51 1999 to 2000 1 too few $558,800 to $558,800 4 too few 11 $558,800
County, Unit 5 (plat 707220) 77 2000 to 2001 7 $540,000 $425,000 to $740,000 2 too few 25 $550,000
County, Unit 6 (plat 707225) 78 2001 to 2002 4 too few $549,900 to $590,000 0 none 16 $571,500
County, Unit 7 (plat 707230) 95 2002 to 2003 3 too few $510,000 to $559,000 7 $490,000 22 $584,550

Read the table across, one window at a time. The first block of columns is September 2025 through August 2026, the second is the twelve months before that, and the last pair covers 60 months, September 2021 through August 2026. "Too few" marks a cell where fewer than five deeds were recorded.

County deeds, September 2025 through August 2026

Recorded Price Unit Year built Base area on the county roll (sq ft)
County deed, September 2025 $425,000 Unit 5 2001 1,646
County deed, October 2025 $425,000 Unit 5 2000 1,703
County deed, November 2025 $440,000 Unit 3 1999 1,689
County deed, November 2025 $455,000 Unit 3 1999 1,578
County deed, December 2025 $549,900 Unit 6 2001 2,582
County deed, January 2026 $565,000 Unit 2 1999 1,991
County deed, January 2026 $566,000 Unit 6 2001 2,631
County deed, January 2026 $700,000 Unit 5 2001 2,925
County deed, March 2026 $510,000 Unit 7 2002 2,287
County deed, March 2026 $540,000 Unit 5 2000 2,292
County deed, March 2026 $560,000 Unit 5 2001 2,583
County deed, April 2026 $510,000 Unit 5 2001 2,122
County deed, May 2026 $544,000 Unit 7 2002 2,287
County deed, May 2026 $550,000 Unit 6 2001 2,582
County deed, May 2026 $558,800 Unit 4 2000 2,318
County deed, June 2026 $484,900 Unit 2 1999 1,755
County deed, July 2026 $590,000 Unit 6 2001 2,908
County deed, July 2026 $740,000 Unit 5 2001 2,896
County deed, August 2026 $400,000 Unit 1 1997 1,671
County deed, August 2026 $559,000 Unit 7 2002 2,034

Take one line as a worked example. In May 2026 a county deed recorded the sale of a Unit 4 home built in 2000 for $558,800, the only Unit 4 sale between September 2025 and August 2026. The deed list gives that house a base area of 2,318 square feet. With a single sale, there is no middle value to report for Unit 4, only that one price and that one size.

The list also shows how widely size moves price here. In county deeds from September 2025 through August 2026, the two highest prices, $700,000 and $740,000, were both Unit 5 homes with base areas near the top of the list. The lowest county deed in that window, $400,000, was a Unit 1 home from 1997.

The prior twelve months on the county record

In the prior twelve months, September 2024 through August 2025, county deeds for all Waterways of Naples homes show 18 sales at a median of $561,250, from $410,000 to $750,000.

Unit 7 is the one Unit with five or more deeds in that earlier window, and the table carries its median. Unit 6 recorded no qualified deed at all in those twelve months, which says more about who chose to sell that year than about the homes themselves. Comparing the two windows Unit by Unit is not reliable: most cells hold only one to four sales.

Reading small Unit counts

Outside Unit 5, each Unit had between one and four county deeds from September 2025 through August 2026. Unit 6 county deeds in that window ran from $549,900 to $590,000 across four sales. Unit 7 county deeds over the same months ran from $510,000 to $559,000 across three sales.

Unit 2 recorded two county deeds in that window, at $484,900 and $565,000, and Unit 3 recorded two, at $440,000 and $455,000. Unit 1 recorded one county deed in the window, at $400,000. Any of these Units could swing sharply the moment one larger or smaller home sells, so treat each as a list of houses, not a market level.

How do five years of Waterways of Naples county deeds read?

Over 60 months, September 2021 through August 2026, county deeds for all 423 Waterways of Naples homes show 100 sales at a median of $560,000, ranging from $400,000 to $831,000. Calendar years and size bands split that record further, and both views below keep the county source and the window on every row.

Sixty months of county deeds

Over 60 months, September 2021 through August 2026, county deeds for all Waterways of Naples homes show 100 sales at a median of $560,000, from $400,000 to $831,000.

The longer window gives the Units enough deeds to read. Unit 5 holds the most county deeds across the 60 months, 25, and Unit 1 holds the fewest, 4, too few for a median. A five year span also mixes very different market years, so a 60 months median is a description of the record, not a forecast.

County deeds by calendar year

Calendar year (county deeds, all homes) Deeds Median Low High
County 2021 35 $439,900 $325,000 $775,000
County 2022 25 $600,000 $466,700 $831,000
County 2023 15 $650,000 $470,000 $729,000
County 2024 16 $505,000 $450,000 $662,000
County 2025 19 $549,900 $410,000 $750,000
County 2026 Jan to Aug 15 $558,800 $400,000 $740,000

County deeds for all Waterways of Naples homes in calendar 2022 numbered 25, at a median of $600,000, from $466,700 to $831,000. In calendar 2023, county deeds for all Waterways of Naples homes numbered 15 at a median of $650,000, from $470,000 to $729,000, the highest annual median in the table.

County deeds for all Waterways of Naples homes in calendar 2024 numbered 16 at a median of $505,000, from $450,000 to $662,000. The 2026 row covers January to August only, so it is a partial year and should not be set beside full years without that caveat. Note too that the first calendar row begins before the 60 months window does, so the yearly rows do not add up to the 60 months count.

County deeds by base area band

Base area band (county roll) Homes County deeds, September 2025 through August 2026 County deeds, prior twelve months County deeds, 60 months
County base area under 2,000 sq ft 171 7 sales, median $440,000, $400,000 to $565,000 6 sales, median $490,000, $435,000 to $595,000 37 sales, median $490,000, $400,000 to $650,000
County base area 2,000 to 2,399 sq ft 127 6 sales, median $542,000, $510,000 to $559,000 5 sales, median $550,000, $410,000 to $562,500 31 sales, median $558,800, $410,000 to $775,000
County base area 2,400 to 2,799 sq ft 81 4 sale(s), too few for a median: $549,900, $550,000, $560,000, $566,000 6 sales, median $605,000, $575,000 to $678,000 20 sales, median $617,500, $487,000 to $775,100
County base area 2,800 and over sq ft 44 3 sale(s), too few for a median: $590,000, $700,000, $740,000 1 sale(s), too few for a median: $750,000 12 sales, median $725,000, $590,000 to $831,000

Size sorts price more cleanly than Unit does. The table gives each band its own county deed count, window and median, so read a listing against the band that matches its base area.

The two larger bands had too few deeds in that window for a median, so the table lists each price.

Matching a deed to its Unit

Each deed names a lot and a plat in its legal description. We read that line, matched the plat to one of the seven Waterways of Naples plats, numbered 707200 through 707230 in the appraiser's records, and assigned the sale to that Unit.

The Units run roughly in build order. Unit 1 homes date from 1997 to 2001, Unit 2 from 1998 to 1999, Unit 3 and Unit 4 from 1999 to 2000, Unit 5 from 2000 to 2001, Unit 6 from 2001 to 2002 and Unit 7 from 2002 to 2003. Buyers can repeat the match for any listing by opening its parcel page and reading the plat name.

What does the MLS show for Waterways of Naples?

The October 29, 2026 MLS export is a separate record from the deeds above, with its own dates and fields, so its figures are read on their own. It counts only rows filed under the development name, and a deed and a closing for the same sale can carry different dates.

MLS closings by Unit

The October 29, 2026 MLS export shows 22 Waterways of Naples closings in its twelve-month window at a median of $549,950.

MLS segment Closings Median Export
MLS, Unit 1 1 too few October 29, 2026
MLS, Unit 2 2 too few October 29, 2026
MLS, Unit 3 2 too few October 29, 2026
MLS, Unit 4 1 too few October 29, 2026
MLS, Unit 5 7 $555,000 October 29, 2026
MLS, Unit 6 6 $558,000 October 29, 2026
MLS, Unit 7 3 too few October 29, 2026
MLS, every Unit 22 $549,950 October 29, 2026

In the October 29, 2026 export, Unit 5 and Unit 6 are the two Units with five or more MLS closings, and so the only Units with their own MLS medians. The others hold one to three closings each and print as too few.

Active and pending listings

On October 29, 2026, the export carried four active Waterways of Naples listings and no pending contracts. A short active list is a small sample, so read each asking price as one seller's figure rather than as a level for the whole community.

Before relying on any asking price, compare it with recorded sales in the same Unit and size band.

Prices that sit in both records

Many sales appear twice, once as a deed and once as an MLS closing. The county deed set for all 423 Waterways of Naples homes, September 2025 through August 2026, has a median of $546,950 on a range from $400,000 to $740,000. The MLS set for all Waterways of Naples homes in the October 29, 2026 export has a twelve-month median of $549,950.

Those two figures sit close together but are not the same measure. For Unit 5, the county deed median from September 2025 through August 2026 is $540,000, on a range from $425,000 to $740,000. The MLS table above carries its own Unit 5 line, dated to the export, which should be read beside its own window only.

Why county and MLS figures differ

The two records count different things on different calendars. A deed is dated the day the clerk records it, usually a few days after closing. The export dates each sale by the closing an agent reports and covers the twelve months before October 29, 2026.

Some deeds never pass through the listing service, such as sales between neighbors or sales arranged without an agent. Some listings close as transfers the appraiser later disqualifies. The size fields differ too: the parcel page reports base area, while a listing reports living area as the agent measured it. Read each record on its own terms, and for a pricing view on a specific home, request a home valuation.

What kinds of homes are in Waterways of Naples?

Every home in Waterways of Naples is a detached house on its own lot, spread across seven recorded plats named Unit 1 through Unit 7. The 2026 county roll carries 423 of these homes and no attached product of any kind. Association lake parcels run between the streets, and each Unit has its own street pattern.

Detached homes on seven plats

The seven plats hold 30 homes in Unit 1, 51 in Unit 2, 41 in Unit 3, 51 in Unit 4, 77 in Unit 5, 78 in Unit 6 and 95 in Unit 7.

Those plats were recorded one after another as the community grew, from Unit 1 through the larger later sections. Each home sits on a parcel of its own, so a buyer owns the house and the ground under it, and the shared land belongs to the association. The roll keeps the homes apart from the clubhouse parcel, the lake parcels and the open tracts, which is why this page counts homes and common parcels as two separate sets.

Unit 7 is the largest plat and Unit 1 is the smallest. With sales spread thinly across seven plats, it helps to know which Unit a listing sits in before reading any figure on this page. The address alone does not always say so, since Grand Rapids Boulevard runs through several Units.

You can browse what is on the market today through our property search, then come back to this section to place a listing on its plat.

Homes by Unit on the county roll

Unit (2026 county roll) Homes Year built Median base area (sq ft) Median lot (sq ft) Pool rows Homestead Lots by a lake parcel
Unit 1 30 1997 to 2001 1,846 12,196 18 22 16
Unit 2 51 1998 to 1999 1,897 12,196 33 44 25
Unit 3 41 1999 to 2000 2,014 11,325 27 33 31
Unit 4 51 1999 to 2000 1,868 10,890 29 35 51
Unit 5 77 2000 to 2001 2,277 11,325 53 61 66
Unit 6 78 2001 to 2002 2,287 11,107 56 64 57
Unit 7 95 2002 to 2003 2,287 11,325 64 74 95

Read the table one row at a time. For Unit 1, county records list 30 homes with year built from 1997 to 2001. The middle value for base area there is 1,846 sq ft, the middle lot reads 12,196 sq ft, 18 of the homes carry a pool row, and the lot lines of 16 of its 30 homes touch or sit within 15 meters of a lake parcel.

Unit 7 reads differently. For that plat, county records list 95 homes dated 2002 to 2003, a middle base area of 2,287 sq ft and a middle lot of 11,325 sq ft. Of those 95 homes, 64 carry a pool row, and all 95 lots touch or sit within 15 meters of a lake parcel.

Put side by side, the two rows show the pattern across the plats: the earliest Unit has the smaller base areas and the larger middle lot, while the latest Units carry the larger base areas. Units 2 and 4 sit close to Unit 1 on size, and Units 5, 6 and 7 cluster together near the top of the range.

The Homestead column counts homes with a homestead exemption on the 2026 roll in each Unit. It says nothing about who owns them. The lake column is a measured lot-line count, explained further down this page.

Floor plan names

The association's site names the floor plans Aruba, Bimini, Cayman 3, Cayman 4, Dover and Grand Floridian, without published sizes.

Plan names can help when you compare listings, since agents sometimes put the model name in the remarks. They are not a size guide. The association does not publish square footage for any plan, and the county roll records each home by its own measured base area, so the better path is to read the base area for the address and the MLS living area on the listing.

Two homes sold under the same plan name can also differ after years of owner changes, such as an added screen enclosure or a reworked lanai. Ask the listing agent which plan a home began as and what has been added since.

Extra-feature rows on the roll

County records carry a pool row for 280 of the 423 homes.

Beyond the main house, the county roll lists extra features for many parcels. The most common is a screen enclosure row, followed by rows for sculptured concrete and brick decking, pool rows and spa rows. A spa row appears on 83 homes. Some lots also show tile or concrete decking, an aluminum porch or a carport row.

These rows carry their own year, and many were added well after the house itself. That is why the roll can show later dates on a parcel even though every main residence row in Waterways of Naples falls between 1997 and 2003. When a listing claims a newer pool or enclosure, the extra-feature rows are a quick way to see whether the county has recorded it.

Extra-feature rows are a record of what the appraiser has measured. They do not grade condition, and a missing row does not prove a feature is absent. Check permits and a home inspection for anything that matters to your offer.

When were Waterways of Naples homes built, and how large are they?

Main residence rows on the county roll date every Waterways of Naples home to the years 1997 through 2003, with most finished between 1999 and 2002. Base area runs from 1,532 to 3,053 on the roll. The listing service keeps a separate living area field of its own. Lot sizes vary less than house sizes across the seven plats.

Year built on the county roll

On the county roll, Waterways of Naples homes were built from 1997 to 2003, with a median year of 2001, and the association describes the community as built out from 1997 to 2002.

Year built (county roll) Homes Unit 1 Unit 2 Unit 3 Unit 4 Unit 5 Unit 6 Unit 7
County 1997 8 8 0 0 0 0 0 0
County 1998 35 21 14 0 0 0 0 0
County 1999 77 0 37 29 11 0 0 0
County 2000 80 0 0 12 40 28 0 0
County 2001 112 1 0 0 0 49 62 0
County 2002 99 0 0 0 0 0 16 83
County 2003 12 0 0 0 0 0 0 12

The 12 homes the roll dates to 2003 sit in Unit 7 and were part of the original build-out, first sold new in 2003.

The table reads like a timeline. Construction moved plat by plat, with each Unit's homes dated within a span of a year or two, apart from a single Unit 1 home on the roll in 2001. The busiest year was 2001, when Unit 5 and Unit 6 were both under way.

The year built tells you more than when the home went up. It points to the building code in force when the permit was pulled, and it is often the first thing an insurer asks. The year on the roll is the main residence row, not the date of a later pool or enclosure.

Base area on the county roll

County records list a base area with a median of 2,234 square feet, from 1,532 to 3,053, on median lots of 11,325 square feet.

Base area is the county's measure of the main living space under roof. It leaves out the garage and covered outdoor space, so it runs smaller than any figure that adds those areas. Each Unit has its own spread. In Unit 2 the base area runs from 1,532 to 2,600, while Unit 5 runs from 1,646 to 3,053.

That spread is wide enough that a Unit's middle value says little about one house. Two homes on the same street can sit far apart on base area, so pull the figure for the address you are weighing.

MLS living area

The MLS keeps its own size field. In the October 29, 2026 MLS export, the rows that carry a living area show a median of 2,290 square feet across sold and active Waterways of Naples listings.

The MLS figure comes from the listing agent rather than from the appraiser's own measurement. When the two disagree for a single home, ask the listing agent where the number came from, whether a floor plan sheet, an appraisal or an older listing. Treat any size claim in remarks as the seller's statement until you confirm it.

Lot sizes on the plats

Lot size comes from the land rows, one per home, measured in sq ft. The smallest lot reads 9,147 sq ft in Unit 1, and the largest reads 22,215 sq ft in Unit 4.

The middle lot value differs by plat. Unit 1 and Unit 2 each have a middle lot of 12,196 sq ft, Unit 3, Unit 5 and Unit 7 each sit at 11,325 sq ft, Unit 6 reads 11,107 sq ft, and Unit 4 reads 10,890 sq ft.

A larger lot does not always mean a larger yard you can use. Drainage easements, maintenance strips beside the lake parcels and the setbacks in the governing documents shape what can be built on any lot, so read the plat and the survey before you plan a pool or an addition.

What does the record say about how Waterways of Naples was built?

Waterways of Naples went up over roughly six years, with homes dated 1997 through 2003. The association publishes plan names and a build-out window but no developer, and we could not confirm one. Water and sewer now come from a county district rather than the original Orange Tree utility.

A build-out of about six years

The association's own history says the community's homes went up from 1997 to 2002 and that the work finished two years sooner than first planned. The roll stretches one year further: the last 12 homes in Unit 7 carry a 2003 date.

Read together, the two sources describe a single build-out that moved steadily from Unit 1 to Unit 7. The Unit table above shows that pattern: each plat's homes fall within a narrow band of years, and no plat was left half finished for a decade. There is no later phase on the roll and no lot still waiting for a first house.

For a buyer, a single build-out means most homes share an era of construction. Roofs, windows, air handlers and pool equipment from that period may already have been replaced on some homes and not on others, so the listing's update history matters more than the year built alone.

The Orangetree planned unit development

Waterways of Naples sits inside the Orangetree planned unit development, and the association cites Ordinance 2012-09 as its current ordinance.

A planned unit development is a county zoning tool that sets land uses, densities and roads for a large tract as one plan, not lot by lot. Orangetree is not the same place as these seven plats: it covers far more ground, and its master covenants for Orange Tree also bind owners here. The association's documents page lists those covenants with amendments from 2012 and 2016, along with an amended and restated declaration for Waterways of Naples from 2018.

Zoning questions for a particular lot, such as a fence, a pool cage or an addition, go first to the association's architectural rules and then to Collier County permitting.

What we could not confirm

We found no record we could verify that names the developer or the builder of Waterways of Naples.

The association's public pages name neither, and the news archives we searched did not either. A name that appears only in a listing excerpt is not enough to print, so this page leaves the builder line blank rather than guess. If a seller has original purchase papers, those are the best place to look.

Some outside sites also print home counts for Waterways of Naples that differ from the county roll. We use the roll's 423 homes, which matches the association's own count.

Water, sewer and the county utility

Water and sewer come from the Collier County Water-Sewer District, which took over the Orange Tree service area on March 1, 2017.

That change means bills for water and sewer come from the county, and service questions go to the county utility. The North Collier Fire Control and Rescue District covers Waterways of Naples, and law enforcement is the Collier County Sheriff's Office.

Electric service comes from a separate provider, while bulk cable and internet come through the association, as the fees section explains. Ask the seller for recent utility bills so you can see what a year of service has cost at that address.

What shared spaces does Waterways of Naples have?

The association's own list of shared facilities and the county roll's record of the clubhouse parcel appear below, and the association lake parcels run through every Unit. Read the two together: the association decides how each space is used and booked, while the roll records what stands on the parcel and when it was built.

Shared facilities the association lists

The association's About page lists a clubhouse, a swimming pool, a fitness center, tennis and pickleball courts, a basketball court, a volleyball court, a fishing pier, a chickee hut, a tot lot and a vehicle storage lot.

The association sets the hours, guest rules and booking terms for these facilities, and its documents govern who may reserve the clubhouse for an event. Ask the manager for the current rules and any reservation form before you plan around a facility. The association's list is the source for the fitness center, the basketball court and the volleyball court; the county roll does not carry separate rows for those three.

The clubhouse parcel on the county roll

The county roll lists a 2,972-square-foot building on the clubhouse parcel at 925 Grand Rapids Boulevard, with pool, tennis, dock and chickee rows.

That parcel covers 3.30 acres in Unit 3 and is owned on the roll by the association. Its building row dates to 2000. The roll also carries court, dock, chickee, pool, paving and fence rows on that parcel.

Lake parcels and lot lines

Measured from county parcel lines, 341 of the 423 home lots touch or sit within 15 meters of an association lake parcel, including every lot in Unit 4 and Unit 7.

Unit Homes Lot line touching or within 15 m of a lake parcel (county polygons)
Unit 1 30 16
Unit 2 51 25
Unit 3 41 31
Unit 4 51 51
Unit 5 77 66
Unit 6 78 57
Unit 7 95 95
Waterways of Naples, every Unit 423 341

The association describes 150 acres of lakes, and the lake parcels on the county roll total 167.89 acres.

The gap between the two acreage figures likely comes from what each source counts, since a county lake parcel can include its banks. Either way, the lake parcels are association land, and the rules for using them come from the association.

A lot line near a lake parcel is a measurement, not a description of what you see from the back of a house. Landscaping, the bank and the shape of the lot all change that. Walk the yard and read the survey before you rely on any outlook in a listing.

Lots that border public land

Measured from county parcel lines, 35 home lots border county-owned land or school district land, 23 in Unit 6, 11 in Unit 5 and 1 in Unit 3.

Those public parcels lie to the east and south-east of the community. Ownership by a public body means future use is set by public decisions, so a buyer looking at one of these lots should check the county's plans for the neighboring parcel. No home lot in Waterways of Naples borders another subdivision's lot on the county map.

The vehicle storage lot

The association rents spaces in its vehicle storage lot by the year, the spaces are limited, and it does not publish the fee.

The association's rules keep boats, trailers and similar vehicles out of driveways overnight, so the storage lot matters if you own one. Ask the manager about the waiting list, the yearly rent and what the space allows before you write an offer. The county roll does not name which common parcel holds the lot, so the association is the source for its location.

What is near Waterways of Naples, and how far is it?

From the Oil Well Road exit, a grocery store, the county fairgrounds and three public schools all lie within about 1.6 route miles. The I-75 interchange at Immokalee Road is about 10.0 route miles out, and the hospitals, the larger shopping centers, the beaches and both airports sit farther west and north.

The route table

Miles on this page come from the Domain Realty Group route table, measured by road from the Oil Well Road exit unless a row says it starts at the centre of Waterways of Naples.

Destination (by road) Route miles from the centre Route miles from the Oil Well Road exit
The turn onto Oil Well Road (community exit) 0.9 0.0
Collier County Fairgrounds 1.6 1.4
Corkscrew Elementary (confirm the assignment with the district) 1.7 0.9
Publix, 13550 Immokalee Road 2.0 1.2
Big Corkscrew Island Regional Park 2.1 1.9
Corkscrew Middle (confirm the assignment with the district) 2.3 1.4
Palmetto Ridge High (confirm the assignment with the district) 2.5 1.6
I-75 at Immokalee Road (exit 111) 10.9 10.0
North Collier Regional Park 13.0 n/a
NCH North Naples Hospital 13.8 n/a
Ave Maria town center 14.2 n/a
Physicians Regional, Pine Ridge 14.9 n/a
Mercato 16.6 n/a
Delnor-Wiggins Pass State Park 16.8 n/a
Vanderbilt Beach Park 17.5 n/a
Naples Airport (APF) 21.5 n/a
Coastland Center 22.0 n/a
Fifth Avenue South 23.8 n/a
Southwest Florida International Airport (RSW) 33.7 n/a

Here is one worked line. Starting at the Oil Well Road exit, the route to the interstate runs west to the I-75 interchange at Immokalee Road, exit 111, the headline row of the table. Starting from the centre of Waterways of Naples adds the drive along the community's own streets to the exit.

Rows marked n/a were measured only from the centre. They are longer trips where the short leg inside the community makes little difference.

Groceries and shops by road

The Publix at 13550 Immokalee Road is about 1.2 route miles from the Oil Well Road exit, the shortest grocery trip in the table. Ave Maria town center, with its shops and restaurants, is about 14.2 route miles from the centre of Waterways of Naples.

For a larger shopping trip, Mercato is about 16.6 route miles from the centre of Waterways of Naples, Coastland Center about 22.0 and Fifth Avenue South about 23.8 from the same starting point. The Collier County Fairgrounds sit about 1.4 route miles from the Oil Well Road exit. Big Corkscrew Island Regional Park is about 1.9 route miles from the Oil Well Road exit, and North Collier Regional Park is about 13.0 route miles from the centre.

Hospitals and care

NCH North Naples Hospital is about 13.8 route miles from the centre of Waterways of Naples, and Physicians Regional, Pine Ridge is about 14.9 from the same point.

Those are the two hospital rows in our route table. Clinics, urgent care and pharmacies open and close more often than hospitals, so check current locations and hours with your insurer's directory. In an emergency, call emergency services rather than driving yourself.

Beaches and the airports

Vanderbilt Beach Park is about 17.5 route miles from the centre of Waterways of Naples, the second worked line from the route table. Delnor-Wiggins Pass State Park is about 16.8 route miles from the same starting point.

For flights, Naples Airport (APF) is about 21.5 route miles from the centre of Waterways of Naples, and Southwest Florida International Airport (RSW) is about 33.7 route miles. Beach parking at the county and state parks carries its own rules and fees, so check them before a visit.

New stores on Oil Well Road

Gulfshore Business reported on November 14, 2025 that a Publix at 1715 Oil Well Road and an Aldi at The Randall at Orangetree would open on November 20, 2025.

The newer Publix sits along Oil Well Road itself, while the Aldi is not on Oil Well Road but at The Randall at Orangetree on Immokalee Road. Our route table does not carry a row for either store, so use a map for the address you are weighing. Shopping along this corridor keeps changing, so check store hours before a trip.

Which schools serve Waterways of Naples addresses?

Collier County Public Schools zones list one elementary, one middle and one high school for Waterways of Naples addresses, and all three sit close to the Oil Well Road exit. Florida's published grades rate the elementary and middle schools an A and the high school a B. Confirm every assignment with the district for the exact address.

Schools in the carried district zones

Collier County Public Schools zones carried for the 2026-27 school year list Corkscrew Elementary, Corkscrew Middle and Palmetto Ridge High for Waterways of Naples addresses; confirm the assignment with Collier County Public Schools for the address.

By road, and subject to the district's assignment for the address, Corkscrew Elementary is about 0.9 route miles from the Oil Well Road exit, Corkscrew Middle about 1.4 route miles, and Palmetto Ridge High about 1.6 route miles from the same exit. The district also runs school choice and magnet programs, which follow their own application calendar.

Published state grades

In Florida's published 2025-26 school grades, Corkscrew Elementary and Corkscrew Middle each earned an A and Palmetto Ridge High earned a B.

State grades are one measure built from test results and other components, and they can change from year to year. Read the full school report from the Florida Department of Education, and visit the schools, before you weigh a grade in a home decision.

Walking paths in the route table

Along the route table's walking paths from the Oil Well Road exit, Corkscrew Elementary is about 0.53 walking route miles away, Corkscrew Middle about 0.95 walking route miles and Palmetto Ridge High about 1.33 walking route miles; confirm the school assignment with the district for the address.

Those figures measure a path, not its conditions. Crossings, lighting and the time of day all matter, so walk the route yourself at the hours you would use it. The district sets its own rules on bus service by distance and hazards, so ask the transportation office how it treats the address.

Confirming by address

School assignments are drawn by address, and the district redraws them as enrollment shifts. Before you rely on any school for a purchase, enter the exact address in the Collier County Public Schools zone lookup and save the result with your other purchase papers.

If you would like help checking schools, flood maps or association papers for a particular home, contact our team or meet one of our Naples agents. You can also compare other neighborhoods on our Naples communities page, and owners already in Waterways of Naples can start with a home valuation.

Does Waterways of Naples have an HOA, and what does it cost?

Yes. Every home in Waterways of Naples belongs to one homeowners' association, and owners also answer to the Orange Tree master association. Neither body posts its assessment on a public page, so the only dollar amounts a buyer sees before asking are MLS fee fields, which come from listing agents rather than from the association itself.

The Waterways of Naples Homeowners' Association

Waterways of Naples Homeowners' Association, Inc. governs the community under Chapter 720 of Florida law, and Alliant Property Management, LLC manages it. In practice that means the association, not a developer, holds the common parcels, adopts the budget, sets the rules and approves leases and sales. A volunteer Board elected by owners makes the decisions, and the management company handles the paperwork, the collections and the requests that come in from title companies and buyers. Chapter 720 is the part of Florida law written for homeowners' associations, so it is the statute to read when a question comes up about owner meetings, records, budgets or how a rule can be changed. The association keeps its governing documents on its own site, and a buyer should read them in full before the inspection period ends. For a guided read of those documents alongside the listing you are considering, talk with our team.

What the association publishes about dues

The association does not publish its assessment on its public pages, and the declaration shares it equally, one 423rd per home. That equal split matters more than it first appears. The largest home on the roll carries the same share of the common budget as the smallest, in any Unit, since the declaration ties the share to the home, not to its size or its price. The budget itself, the reserve schedule and the current assessment all have to come from the manager. Ask for the adopted budget for the current year, the most recent reserve study, any special assessment the Board has voted or is discussing, and the payment schedule. A seller can usually request these early, and having them in hand before an offer is written keeps the inspection period for the inspection rather than for chasing paper.

MLS fee fields

In the October 29, 2026 MLS export, the HOA fee field most often reads $710 a quarter and the Total Annual Recurring Fees field has a median of $2,920 across 25 rows, figures the MLS carries and the association does not publish. These fields are typed in by listing agents, so they can lag a budget change, combine two charges in one box, or leave one charge out. Treat them as a starting point for a question, not as the answer. When a listing you like shows a fee, ask the listing agent where the figure came from and when it was last checked, then ask the manager for the assessment in writing. The written number from the association is the one a lender, an insurer and a closing agent will rely on.

The Orange Tree master association

Owners also pay an assessment to the Orange Tree master association, and that amount is not published either. The master association sits above the Waterways of Naples association and covers matters that reach past the seven plats, which is why a home here carries two association relationships rather than one. When you request documents, ask the Waterways of Naples manager whether the master assessment is collected separately or passed through, how often it is billed, and whether the master association issues its own estoppel certificate at closing. Some closings need two certificates when two associations levy charges, and knowing that early keeps a closing date from slipping while the title company waits on paperwork. The master association's own governing documents are worth a read as well, since its rules sit beside the neighborhood rules.

Cable and internet

Bulk cable and internet service comes through the association, per its documents. A bulk agreement means the association contracts for service on behalf of every home and recovers the cost through the assessment, so an owner does not open a separate basic account for the bulk service. What the agreement covers, which provider holds the contract, how long it runs and whether owners can add faster tiers on their own are all questions for the manager. Ask too whether the cost appears as its own line on the assessment notice or sits inside the general budget. If you work from home, confirm the speeds the bulk service provides and whether an upgrade is billed by the provider directly. Read the agreement's term before you assume the arrangement will look the same in a few years.

What rules apply to owners in Waterways of Naples?

The association's rules cover leasing, Board approval of every lease and sale, where boats and trailers may stay, lake use and truck entry. Each rule below comes from the association's own documents. Rules change by Board or owner vote, so confirm every one in the current governing documents.

Leasing rules

The association's rules set a 6-month minimum lease, allow at most 2 leases in any 12 months and bar subleasing and room rentals; confirm these rules in the governing documents. For an owner planning to rent the home, those limits shape the plan from the start. Short seasonal stays below the minimum term do not fit, and a tenant cannot pass the home on to someone else or rent out a bedroom. An owner who plans to lease the home should map the lease calendar against the twelve month limit, budget for the time the approval step adds, and ask the manager for the current lease application packet and any lease addendum the association requires. If you are buying with a tenant already in place, ask whether the existing lease was approved and when it ends.

Board approval of leases and sales

The Board decides on every lease and every sale within 30 days, and it may ask for an application with credit and background checks and an interview. A buyer should build that window into the contract timeline rather than discover it after the inspection. Ask the manager for the application form, the processing fee, the documents the Board expects, and how the interview is scheduled. Submitting a complete application early is the simplest way to keep a closing date on track. For a lease, the owner and the tenant both have parts to complete, and the tenant should not plan a move until the Board's answer arrives in writing. Our agents can walk through the sequence with you, and you can meet the team here.

Vehicles, boats and trailers

Boats, RVs, trailers and commercial vehicles may stay overnight only inside a garage, per the association's rules. That makes the garage and the association's vehicle storage lot the two places to plan around. Before you buy, measure the garage against anything you intend to keep in it, and ask the manager whether a space in the storage lot is open, how the waiting list works and what the yearly rental costs, since the association does not publish that fee. Ask too how the rule treats a work truck parked at a home overnight, how guest vehicles are handled, and what notice the association gives before it acts on a violation. Owners who tow a boat or camper should settle these points in writing before the contract becomes firm.

Rules for the lakes

The association's lake rules allow no docks, ramps or boathouses, no swimming and no gasoline motors, and they limit watercraft to registered boats 17 feet or shorter with electric motors up to 5 mph. Those limits apply across the association's lake parcels, whatever the lot line looks like on a plat. A buyer who pictures a dock behind the home should know the rules do not allow one. Small electric boats and paddle craft fit the rules when they meet the length, registration and motor limits. Ask the manager how owners launch a boat without a ramp, whether shoreline plantings or fences near a lake parcel need approval, and who maintains the bank along a lot line. The lake parcels themselves belong to the association, not to the homes beside them.

Entry and truck routing

The association's Gate System page describes the community as gated, with resident remote openers and a call box at the entry gates. The association's rules of December 13, 2022 send trucks to the Oil Well Road gate because of a weight limit on the bridge at the Immokalee Road entrance. For a buyer, the practical points are how remote openers are issued and replaced, how visitors and service providers reach a home, and which road a moving van must use on closing day. Pass the truck routing rule to your mover before the booking, since a large van sent the wrong way costs time and money. Ask the manager what an owner pays for a replacement opener and how contractor access is arranged for repairs.

What Florida laws apply when you buy in Waterways of Naples?

Florida law adds paperwork to every resale here. The seller owes the buyer a homeowners' association disclosure summary before the contract is signed, the association issues an estoppel certificate at closing, and the sale carries a property tax disclosure and a flood disclosure. The owner insures the home. Read each item as part of the offer, not after it.

The association disclosure summary

Before a contract is signed, Florida law at s. 720.401 calls for the seller to give the buyer the homeowners' association disclosure summary. The summary tells a buyer that every owner belongs to the association, that the association can levy assessments and place a lien for unpaid ones, and that restrictive covenants govern how the property is used. It also points the buyer to the governing documents. Read it before you sign rather than treating it as a form to initial. If the summary arrives late or is missing, the statute gives the buyer rights, so raise it with your agent and your closing attorney at once. A summary that names the assessment amount is useful; one that leaves it blank sends you back to the manager.

Estoppel certificates

Florida caps the estoppel certificate fees a homeowners' association may charge under s. 720.30851, and the state's adjusted figures read October 30, 2026 are up to $299, plus $119 for expedited delivery, with up to $179 more if the account is delinquent; buyers can ask the manager for the current fee. The certificate states what the seller owes the association on the day it is issued, including assessments, fines and any other charges, and the closing agent relies on it to clear the account. The transfer fee is a separate item. The association's documents allow a transfer fee within the limit Florida law sets, so ask the manager for the current amount. Ask which party pays each charge, since the contract decides that, not the association.

Tax and flood disclosures

Florida law also calls for a property tax disclosure summary under s. 689.261 and a flood disclosure under s. 689.302 when a home is sold. The tax disclosure warns a buyer not to rely on the seller's current tax bill, since the assessment resets after a change of ownership and the seller's exemptions do not transfer. The flood disclosure asks whether the seller has filed a flood insurance claim or received federal assistance for flood damage at the home. Neither form replaces your own checks. Pair the tax disclosure with the worked rows later on this page, and pair the flood disclosure with the zone for the specific address, the elevation certificate if one exists, and a written insurance quote.

Insuring the home

Owners insure their own homes at full replacement cost, per the association's documents. That places the full structure, from roof to slab, on the owner's policy, since the association insures its common property rather than individual homes. A buyer should ask the insurance agent to price replacement cost on the home's current construction, not on the purchase price, and to quote flood coverage as its own policy. Lenders set their own requirements on top of the association's, so share both with the agent early. Bind coverage before the closing date, and keep a copy of the declarations page ready in case the manager asks for proof of coverage under the documents.

What are property taxes in Waterways of Naples, with worked examples?

Every Waterways of Naples home sits in one Collier County millage area, 289, at 12.1196 mills for 2026, plus a flat non-ad valorem charge on each bill. The worked rows below estimate a tax bill from recent county deed medians so a buyer can test a budget before the first real bill arrives.

One millage area

Waterways of Naples sits in 2026 millage area 289 at 12.1196 mills, which includes the North Collier Fire Control and Rescue District at 3.7500 mills, and the roll shows no CDD line. One area for all seven plats keeps the arithmetic simple: a home in Unit 1 and a home in Unit 7 pay the same rate on each dollar of taxable value, so the difference between two bills comes from taxable value and exemptions, not from location inside the community. A mill is one dollar of tax for every thousand dollars of taxable value. The absence of a CDD line means there is no community development district debt on the bill, which keeps the comparison with other communities cleaner than in newer areas where a CDD adds its own charge.

Millage lines for area 289

Millage line (2026, area 289) Authority Mills
North Collier Fire Control and Rescue District Bcf/North Collier Fire Control 3.7500
Collier County general fund Collier County 3.0107
School board, local School Board 2.2480
School board, state law School Board 1.8990
Unincorporated area MSTD Collier County 0.6844
Conservation Collier Collier County 0.1772
Collier Mosquito Control Collier Mosquito Control 0.1331
Big Cypress Basin South Florida Water Management 0.0978
South Florida Water Management District South Florida Water Management 0.0948
Collier County water pollution control Collier County 0.0246

The fire district line is the largest single piece of the rate, followed by the county's general fund and the two school lines. With the community outside any city, the unincorporated area line appears in place of a city tax. Each authority sets its own rate each year, so the total for area 289 can move from one tax year to the next even when a home's value does not.

Worked tax rows

The worked rows below are our estimates on taxable value at 12.1196 mills, before and after a homestead exemption, with the $269.77 charge listed on its own.

Example Taxable value (estimate) Mills (area 289, 2026) Ad valorem, no exemption (estimate) Ad valorem with homestead (estimate) Non-ad valorem
County T12 median, every Unit $546,950 12.1196 $6,628.82 $6,115.26 $269.77
Unit 5 county T12 median $540,000 12.1196 $6,544.58 $6,031.03 $269.77
County 60 months median, every Unit $560,000 12.1196 $6,786.98 $6,273.42 $269.77

Take the middle row as a walk through. County deeds for Unit 5 from September 2025 through August 2026 give a median of $540,000, and if a home's taxable value matched that price, the area 289 rate for 2026 would produce an ad valorem estimate of $6,544.58 before any exemption. With a homestead exemption the same estimate drops to $6,031.03. The flat charge then sits on top as its own line. Real taxable values often land below a sale price, so treat these rows as a ceiling for planning rather than a forecast of your bill.

Median tax bills and homestead

The median 2026 tax on the county roll is $3,807.70 across all 423 Waterways of Naples homes. That figure sits well below the worked rows since many current owners hold assessments that have grown slowly under Florida's homestead cap since they bought, while a buyer starts again at the market value set after the sale. Homestead status is common here: the 2026 county roll carries the exemption on 333 of the 423 homes. A buyer who will live in the home full time should file for homestead with the Collier County Property Appraiser by the state deadline in the year after closing. A seller's bill is a poor guide to a buyer's first bill, which is exactly what the property tax disclosure warns.

The flat non-ad valorem charge

A flat $269.77 non-ad valorem charge appears on every home's 2026 bill, and we found no CDD levy. Non-ad valorem charges are billed per parcel rather than by value, so this line is the same whether a home is the smallest on the roll or the largest. It is a county billing line, not an association assessment, and it does not replace the Waterways of Naples dues or the master association's charge. When you build a yearly housing budget, list the ad valorem estimate, this flat line, the association assessment, the master association assessment, insurance and flood coverage separately, so that each can be checked against its own source before you commit.

Is Waterways of Naples in a flood zone, and how do storms affect it?

Flood zones in Waterways of Naples differ from lot to lot. On one FEMA panel, most sampled home lots read as Zone X, some as Zone AH and a few as Zone AE. Check the exact address before an offer.

Flood zones by lot

On FEMA panel 12021C0240H, effective May 16, 2012, a vault flood file checked November 1, 2026 read 331 of 419 home lots as Zone X, 16 as shaded X, 70 as Zone AH and 2 as Zone AE, so zones differ by lot and each address needs its own check. A zone attaches to a lot, not to a community name, and two homes on the same street can sit in different zones. The file sampled 419 home lots rather than all 423 homes, which is one more reason to read the map for the specific address. Ask the seller whether an elevation certificate exists for the home, since an insurer uses it alongside the zone.

Reading the zone shares

The shares tell you what to expect across the community, not what any one home will carry. Most of the sampled lots read as Zone X, but a buyer looking at a home in one of the AH or AE lots will face a lender's flood insurance requirement if the loan is federally backed, and a different premium even where the requirement does not apply. Look up the address on the FEMA map service, compare the result with the seller's flood disclosure, and request a flood quote early. Zone X does not mean a home cannot take water; it means the mapped risk is lower. Many owners in lower risk zones still carry flood coverage, and the cost of a policy is worth knowing before the offer.

Evacuation planning

Collier County's evacuation map, checked November 1, 2026, places Waterways of Naples in Zone F; confirm the zone for the address on the county map. Evacuation zones are about storm surge, and they are set apart from flood insurance zones, so a home can read one way on the FEMA map and another way on the county's evacuation map. The county announces evacuation orders by zone during a storm, which makes knowing the letter for your address part of moving in. Keep a written plan for where you would go, and keep copies of insurance policies and the association's contact list somewhere you can reach them away from home.

Storm records for the area

The National Hurricane Center's report on Hurricane Irma in 2017 records heavy rain across Collier County, and none of the storm records we found names Waterways of Naples. Area level reports describe what a storm did to the county, not to a particular street, so they cannot tell you how a given home fared. For that, ask the seller directly, read the flood disclosure, ask the insurer for the home's claims history where the seller consents, and have the inspector look for signs of past water intrusion. The association's meeting records can also show whether it repaired common property after a storm and how it paid for the work.

How do building codes and insurance work for a Waterways of Naples home?

Most Waterways of Naples homes were built before Florida's first statewide building code took effect, so the permit history and later upgrades decide how a home is rated. Roofs, windows and doors are the records an insurer weighs most. Owners insure the full home at replacement cost under the association's documents, so gather these records before you request quotes.

Code era by year built

Homes the roll dates to 2001 or earlier, 312 of 423, predate the first statewide Florida Building Code of March 1, 2002, though the permit date decides which code applied to a given home. The year on the roll is when the county first assessed the home, which can trail the permit by months, so a home dated 2001 may have been permitted well before then and a home dated 2002 may have been permitted under the earlier local rules. The rest of the homes, the ones the roll dates to 2002 and 2003, fall closer to the new code, and the permit decides which side of the line each sits on. Ask the seller or Collier County's permit records for the original permit date.

Roof and opening records

A roof replaced since the original build, and windows or shutters added later, can count for more with an insurer than the year the home was built. Ask the seller for the permit for each roof replacement, the product approval for windows, doors and garage doors, and any shutter or impact glass receipts. A wind mitigation inspection documents roof shape, roof deck attachment, roof to wall connections and opening protection, and insurers use those findings when they rate a policy. The association's architectural review rules apply to a new roof or new windows too, so ask the manager which colors and materials are approved before you plan any replacement after closing.

What the owner insures

Per the association's documents, the owner's policy carries the full home; confirm in the declaration exactly what that covers, from the structure and roof to interior finishes, personal property and liability. The association carries coverage on its own common parcels and buildings, such as the clubhouse parcel, which the county roll lists among the common parcels. Flood coverage is a separate policy in every case. Read the insurance section of the declaration to see whether the association requires proof of coverage, sets a minimum, or names itself on owner policies, and pass that section to your agent. A home in a higher risk flood lot, or one with an older roof, will usually need more work to insure.

Insurance questions to ask

Ask your insurance agent to quote replacement cost on the home's actual construction and size, and to say which documents would change the price: a wind mitigation report, a roof permit, an elevation certificate or proof of impact openings. Ask how the policy handles the hurricane deductible and whether the quote assumes a roof of a given year. Ask the flood agent whether the address reads as Zone X, shaded X, AH or AE and what each choice of coverage would cost. Ask the manager whether the association has any insurance requirement beyond full replacement cost. When you have the answers, bring them to the offer, and if you want a second view of a home's numbers before you commit, request a home value review or browse current properties and other Naples communities.

How is Waterways of Naples different from look-alike names?

Several Florida properties carry a waterway name, and a quick search can blend them. Waterways of Naples is one community of detached homes in ZIP 34120, recorded on seven plats that all begin with its full name. Matching the full name, the ZIP and the street keeps a buyer on the right property.

Waterway names elsewhere in Florida

Waterways of Naples in 34120 is not the City of Naples canal and waterway pages, not Waterway Cove or Waterway Pointe, and not Waterways of Ocean Ridge on Florida's east coast. A listing that drops the words "of Naples" deserves a second look before any figure from it is trusted.

Orangetree and the neighbors

Orangetree is the surrounding area and planned unit development, and the Valencia communities and Golden Gate Estates are neighbors, not other names for Waterways of Naples. Each has its own plats and sales, and none of them is a stand-in for this one, so this page keeps them apart.

One community, seven plats

The county subdivision table holds seven entries for this community, Waterways of Naples Unit 1 through Waterways of Naples Unit 7, with no replat or spelling variant. The Units are recording phases, and one Board and one set of governing documents cover all of them.

Searching by name and ZIP

Pair the MLS development name with ZIP 34120, then check the street. Grand Rapids Boulevard carries the most homes, with courts such as Potomac Court and Chesapeake Bay Court, plus Mystic River Drive and Port Orange Way.

How do Waterways of Naples prices compare with nearby Naples communities?

The table sets Waterways of Naples beside seven detached-home communities on the 2026 county roll, all read over the same deed window, September 2025 through August 2026. Treat it as context: year built, community size and distance all differ, so a gap between two rows is a question to ask, not an answer.

County peer table

Peer figures in the table are county deed counts and medians with straight-line miles, not route miles, and they do not rank any community.

Community (county roll) Straight-line miles Homes on the roll Built (median year) County T12 deeds
Valencia Golf and Country Club 1.11 450 2007 13 at $512,000
Valencia Lakes 1.2 456 2005 17 at $515,000
Orange Blossom Ranch 1.21 1,010 2021 66 at $477,500
Pebblebrooke Lakes 6.86 298 2001 14 at $632,000
Indigo Lakes 7.34 354 2002 13 at $770,000
Berkshire Lakes 12.95 662 1992 26 at $595,000
Queens Park 15.66 283 1992 10 at $475,000

How the peers were chosen

Peers came from the county roll by a fixed rule. Each needed detached homes coded like ours, 50 or more homes, at least five qualified county deeds in the window, and a county median between 0.6 and 1.6 times ours for that window. Qualifiers were listed by straight-line distance, up to seven, and two other candidates did not meet it.

Reading the peer figures

Read any row left to right. The second column is the straight-line distance from the centre of Waterways of Naples to the middle of that community's homes, measured on a map. The third counts the detached homes the 2026 county roll lists there, and the fourth gives their middle year built, a useful check when comparing build years. The last column counts qualified county deeds from September 2025 through August 2026 and gives their median; a small count can swing, so read the two together.

Pages for nearby communities

Each is a separate community with its own plats and association: Valencia Golf and Country Club homes for sale, Valencia Lakes homes for sale, Orange Blossom Ranch homes for sale and Pebblebrooke Lakes homes for sale. Indigo Lakes, Berkshire Lakes and Queens Park appear in the table for context only.

How do you buy a home in Waterways of Naples, step by step?

A purchase here runs through five checkpoints: a search tied to the right name and street, a read of the association's documents, the Board's approval, a flood and insurance check for the exact address, and an estoppel certificate before closing. Each step below says what to request and who answers it.

Start with the live search on this page, then confirm the street on each result. Ask for the Unit early, note the year built on the county roll, and check whether county parcel lines place the lot by a lake parcel.

Read the association documents

Request the declaration, the bylaws and the rules adopted on December 13, 2022, plus any later amendments. Florida law at s. 720.401 gives the buyer the association's disclosure summary before signing. Read the leasing, vehicle and lake rules closely, and confirm each one in the governing documents.

Apply for Board approval

The association reviews every sale, so build its application into the contract timeline. The Board has 30 days to decide and may request credit and background checks and an interview. If you may lease the home later, read the minimum term and the yearly lease limit now.

Check flood and insurance by address

Flood zones here change from lot to lot, so read the FEMA panel for the exact address and ask the seller for any elevation certificate. Check the county evacuation map too. Owners insure at full replacement cost under the association's documents, and the permit date tells an insurer which building code applied.

Close with the estoppel certificate

Before closing, the title company orders an estoppel certificate from the manager, stating what the seller owes. Florida caps that fee under s. 720.30851 for each homeowners' association, and the manager quotes the current amount. Ask then about the transfer fee and the Orange Tree master association assessment.

Frequently Asked Questions about Waterways of Naples homes in Naples

These answers draw on the county roll, the association's published pages and documents and Florida law, and each figure names its own source. Each is short; the sections above carry the tables and the sources. When an answer turns on the address, such as a flood zone or a school, confirm it for that address.

How many homes are in Waterways of Naples?

The 2026 county roll lists 423 detached homes across the seven Waterways of Naples plats, Unit 1 through Unit 7. The roll also carries common parcels on those plats, such as the clubhouse parcel and the lake parcels, which are not homes and sit outside that total.

Where is Waterways of Naples in Naples, FL?

Waterways of Naples is in unincorporated eastern Collier County. County parcel lines put Oil Well Road along its south edge and 39th Avenue NE along its north edge. Homes carry Naples addresses in ZIP 34120, and our route table exits by Oil Well Road.

What ZIP code is Waterways of Naples in?

Every Waterways of Naples home has a Naples address in ZIP 34120. That ZIP spans a wide part of eastern Collier County, so pair it with the development name and check the street, such as Grand Rapids Boulevard or one of its courts, before reading a result.

Is Waterways of Naples in a city or in unincorporated Collier County?

Waterways of Naples lies in unincorporated Collier County, outside any city limits. County government handles zoning, permits and roads, and the Collier County Sheriff's Office provides law enforcement. A Naples address on the deed does not place the community inside any city's limits.

What kind of homes are in Waterways of Naples?

Waterways of Naples is made up of detached homes. The county roll gives all 423 homes the use code for a detached house. Separately, all 26 rows in the October 29, 2026 MLS export describe detached homes. Every sale here is a resale.

How many Units does Waterways of Naples have?

There are seven Units, each recorded as its own plat. The 2026 county roll shows 30 homes in Unit 1, 51 in Unit 2, 41 in Unit 3, 51 in Unit 4, 77 in Unit 5, 78 in Unit 6 and 95 in Unit 7, all under one association.

When were Waterways of Naples homes built?

The county roll dates Waterways of Naples homes from 1997 to 2003, with 2001 as the median year built. The association gives its build-out as 1997 to 2002. The homes the roll dates to 2003 sit in Unit 7 and were sold new.

How large are Waterways of Naples homes?

County records give each home a base area, and across all 423 homes its median is 2,234 square feet, from 1,532 to 3,053. Separately, the October 29, 2026 MLS export gives a median living area of 2,290 square feet where the field is filled.

What have Waterways of Naples homes sold for in county records?

From September 2025 through August 2026, county deeds for all Waterways of Naples homes show 20 sales at a median of $546,950, from $400,000 to $740,000. Unit 5 is the only Unit with enough sales for its own median, and the market section above carries the prior twelve months, the 60 months and the calendar years.

What did Unit 5 homes sell for in the last twelve months?

From September 2025 through August 2026, county deeds for Unit 5 show 7 sales at a median of $540,000, from $425,000 to $740,000. Unit 5 is the only Unit with five or more county deeds in that window, so the other Units show counts and ranges instead.

Are there Waterways of Naples homes for sale right now?

Listings change daily, so use the live search on this page for the current set, and confirm that each result sits on one of the seven plats. The dated MLS snapshot of active listings appears in the market section above.

What are the HOA dues in Waterways of Naples?

The association does not post its assessment on its public pages, and the declaration divides it equally among the 423 homes. The MLS carries its own fee fields, covered in the HOA section above. Ask Alliant Property Management for the current assessment and billing schedule before signing.

Is there a master association fee in Waterways of Naples?

Yes. Both the Waterways of Naples association and the Orange Tree master association levy assessments, and neither amount is published on public pages, so request both from the manager. Ask whether the master charge is billed on its own schedule or passed through the neighborhood assessment, and whether closing needs two estoppel certificates.

Who manages the Waterways of Naples association?

Alliant Property Management, LLC manages the association for its Board, according to the association's pages and the manager's own listing. The manager handles sale and lease applications, estoppel requests and owner accounts, so it is the first contact for document and fee questions during a purchase.

Does Waterways of Naples have a CDD?

No. The 2026 county roll lists no community development district line for millage area 289, which covers every Waterways of Naples home. Each bill does carry a flat non-ad valorem charge, the same for every home. Association and master assessments are billed separately from taxes.

Can you rent out a Waterways of Naples home?

Yes, within the association's rules of December 13, 2022, which set a minimum lease term, limit how many leases an owner may sign in a year and bar subleasing and room rentals. The Board reviews each lease. Confirm these terms in the governing documents.

Does the Board approve sales in Waterways of Naples?

Yes. Under the association's documents, the Board reviews every sale and every lease and has 30 days to decide. It may ask the buyer for an application with credit and background checks and for an interview, so start the application as soon as a contract is signed.

Where can owners keep a boat or RV in Waterways of Naples?

Under the association's rules, boats, RVs, trailers and commercial vehicles may stay overnight only inside a garage. The association also rents spaces in its vehicle storage lot by the year. Spaces are limited and the fee is not published, so ask the manager before closing.

Can you use a boat on the Waterways of Naples lakes?

Only within the association's lake rules, which bar gasoline motors and limit watercraft by length, registration and motor. Small electric boats and paddle craft can fit when they meet those limits. The rules allow no docks, ramps or boathouses and no swimming. Confirm the current rules with the association.

What amenities does the Waterways of Naples association list?

The association's About page lists a clubhouse, a swimming pool, a fitness center, sports courts, a fishing pier, a chickee hut and a vehicle storage lot, and the amenities section above gives the full list. The county roll places the clubhouse building on its own parcel on Grand Rapids Boulevard.

How many Waterways of Naples lots sit by a lake parcel?

Measured from county parcel lines, 341 of the 423 home lots touch an association lake parcel or sit within 15 meters of one, including every lot in Unit 4 and Unit 7. The association describes 150 acres of lakes, and the county roll's lake parcels total 167.89 acres.

What do FEMA maps show for Waterways of Naples addresses?

FEMA panel 12021C0240H, effective May 16, 2012, covers the community. Our lot file read most home lots as Zone X, with smaller shares in shaded X, Zone AH and Zone AE. Zones differ by lot, so check the panel for the exact address.

What evacuation zone is Waterways of Naples in?

The evacuation section above gives the zone from Collier County's map as checked November 1, 2026. Zones can be redrawn and the county map is the authority, so look up the specific address before storm season and again before closing on a home.

What are property taxes in Waterways of Naples?

Waterways of Naples is in one 2026 millage area, area 289, at 12.1196 mills. The median 2026 tax across all 423 homes on the county roll is $3,807.70, and each bill adds a flat non-ad valorem charge. A buyer's taxable value resets after purchase.

Which schools serve Waterways of Naples?

The 2026-27 zones we carried list Corkscrew Elementary, Corkscrew Middle and Palmetto Ridge High for Waterways of Naples addresses. In the 2025-26 state grades, both Corkscrew schools earned an A and Palmetto Ridge High a B. Confirm the assignment with Collier County Public Schools.

How far is Waterways of Naples from I-75?

The I-75 interchange at exit 111 is about 10.0 route miles from the Oil Well Road exit of Waterways of Naples, or about 10.9 route miles from the centre of the community. Check current roadwork on the corridor before planning a regular commute.

How far is Waterways of Naples from the beach?

In our route table, Vanderbilt Beach Park is about 17.5 route miles from the centre of Waterways of Naples, and Delnor-Wiggins Pass State Park sits a little closer. Both are on the Gulf of Mexico in North Naples, and the full table is in the section on what is near the community.

Which fire district serves Waterways of Naples?

The North Collier Fire Control and Rescue District covers Waterways of Naples, and its levy is one line of the 2026 millage for area 289. Law enforcement comes from the Collier County Sheriff's Office, since the community lies outside any city.

Who provides water and sewer in Waterways of Naples?

The Collier County Water-Sewer District provides water and sewer to Waterways of Naples. It took over the Orange Tree service area on March 1, 2017, so older papers may name the earlier utility. Accounts move through Collier County utility billing at a sale.

Is Waterways of Naples the same as Waterway Cove or Waterway Pointe?

No. Waterway Cove and Waterway Pointe are separate properties with their own records and are not part of Waterways of Naples. Waterways of Naples is a community of detached homes on seven plats in eastern Collier County, so check that a listing names it in full.

Ready to buy or sell in Waterways of Naples?

Our Naples team works with buyers and sellers across all seven Waterways of Naples Units. We read the county deeds and the association's documents for the specific Unit and street. We also handle the Board application, the estoppel request and the flood check, so each step is planned before a contract is signed.

Thinking of buying in Waterways of Naples?

Browse all Waterways of Naples listings on the market or see the newest Waterways of Naples listings, then check each street against the seven plats. When a home looks right, contact our Naples team for its Unit, its sale history and the application steps before you write an offer.

Thinking of selling in Waterways of Naples?

A pricing plan here starts with the Unit, the year built, the base area and the lot, read against recent county deeds in the same Unit. Request a home value estimate or contact our Naples team to plan the listing and the approval timeline. For another view of the community, read McGreevy and Comisar's guide to Waterways of Naples.

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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 more than $2.5 billion in team production and more than 4,000 transactions. Our Naples team works with buyers and sellers across Waterways of Naples, in all seven Units off Oil Well Road in the Orangetree area.

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 North Naples to East Naples and the Golden Gate area.

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Naples office: 9180 Galleria Ct #200, Naples, FL 34109
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Brokered by Domain Realty, a licensed Florida real estate brokerage. Florida Real Estate Commission (FREC) licensed. All agents are licensed Florida real estate professionals.

Where to go next: Naples homes for sale and communities, all Naples communities, current listings and about the team.

Data updated: November 2026.

Sources

Figures and rules on this page come from the association's pages and documents, Florida statutes and agencies, Collier County offices, federal weather agencies, school and hospital publishers and established local outlets. Each line names the publisher and the fact it backs.