Buying a home in Naples & Southwest Florida

Find it.Afford it.Keep it.

Search in plain English, see the all-in monthly cost before you tour, and get an honest take on every house.

What's coming

New stores, hospitals and roads on the way

Pick an area to see what's being built nearby and how far it is from town.

Pick an area to see distances.

Warehouse store with a gas station at Collier Blvd and Rattlesnake Hammock Rd. No opening date announced yet.
Approximate location
Source: Naples Daily News, as of 2026-10-14
Draft, waiting on Ale
New store on US 41 at Wiggins Pass Rd. The old building is down; construction waits on permits.
Expected: Mid-2027
Approximate location
Source: Gulfshore Business, as of 2026-06-19
Draft, waiting on Ale
About 200,000 sq ft cardiac and stroke center on the NCH Baker Hospital campus downtown.
Expected: Late 2027
Source: Gulfshore Business, as of 2026-05-29
Draft, waiting on Ale
82-acre plan at Davis Blvd and Santa Barbara Blvd with a Whole Foods. Still in county review.
Approximate location
Source: Gulfshore Business, as of 2026-09-04
Draft, waiting on Ale
68-acre center on Bonita Beach Rd east of I-75, with T.J. Maxx, Ulta and Starbucks signed.
Expected: Stores begin opening late 2026
Approximate location
Source: Business Observer, as of 2026-08-31
Draft, waiting on Ale
About 45 acres of homes, shops, restaurants and offices at US 41 and Coconut Rd.
Expected: First homes Q3 2027
Approximate location
Source: CoStar, as of 2026-08-28
Draft, waiting on Ale
Four lanes from Bella Terra Blvd to just east of Alico Rd, plus a new traffic signal.
Expected: End of 2026 (county estimate)
One point along the route
Source: Lee County DOT Roadwatch, as of 2025-10-30
Draft, waiting on Ale
53-acre hospital campus on Challenger Blvd that replaces Lee Memorial.
Expected: Late 2027 to early 2028 (sources differ)
Approximate location
Source: Business Observer, as of 2026-03-18
Draft, waiting on Ale
Replaces the Cypress Lake Dr store. On Colonial Blvd between Metro Pkwy and Plantation Rd. No opening date announced.
Approximate location
Source: Gulfshore Business, as of 2026-08-20
Draft, waiting on Ale
650,000+ sq ft building on State Road 82, toward Lehigh Acres.
Expected: 2027
Approximate location
Source: The News-Press, as of 2026-05-12
Draft, waiting on Ale
53,000 sq ft office near the airport, with about 300 jobs.
Expected: 2027
Approximate location
Source: Business Observer, as of 2026-04-10
Draft, waiting on Ale
About 165,000 sq ft with gas, at Chiquita Blvd S near Pine Island Rd. Timing depends on Costco.
Approximate location
Source: WGCU, as of 2026-10-27
Draft, waiting on Ale
131 acres on Pine Island Rd with apartments, a hotel, shops and entertainment. Site work set to start January 2027.
Source: City of Cape Coral, as of 2026-11-08
Draft, waiting on Ale
5.6-mile paved path along the Able Canal, linking Lehigh Acres parks to Harns Marsh.
Expected: Fall 2027
One point along the route
Source: WINK News, as of 2025-08-25
Draft, waiting on Ale

Plans change. Details come from the linked public source as of the date shown and are not a promise. Locations are approximate and distances are straight-line from the town center.

The buying plan

Five steps. No surprises.

01
Know your number
Pre-approval from a lender, then the all-in monthly cost: mortgage, taxes, insurance, flood, HOA and assessments.
02
Search smart
Describe the home in plain English. Get a text when a new match hits.
03
Tour with the facts
Flood zone, roof age, seawall, HOA or club dues and assessments checked before you fall for a house.
04
Offer + inspect
A price backed by comps. Inspections, a 4-point and wind mitigation report, and real insurance quotes during the inspection period.
05
Close
Title, insurance in place, final walk-through, keys. Then a check-in after you move.

Before we tour, we sign a short written buyer agreement that spells out what I do for you and how I'm paid.

Southwest Florida costs buyers miss

The list price is where the math starts, not where it ends.

Insurance

Homeowners and wind coverage is the cost Southwest Florida buyers underestimate most.

What insurance really costs

Flood

Lenders require flood insurance for homes in high-risk zones. Check the zone and the elevation certificate.

Flood insurance basics

Assessments and dues

Condo special assessments, HOA and club dues, and in parts of Cape Coral a utility (UEP) assessment can pass to the buyer. Check them before you offer.

Cape Coral UEP, explained

Roof age

Older roofs can mean higher premiums or an inspection before an insurer will write the policy.

Roof rules in Florida

Your tax bill

The seller’s tax bill can be lower than yours will be. Estimate taxes on your purchase price.

Add it to your monthly cost

Buyers I work with

Luxury buyers

Naples estates, Gulf-front condos and golf and club communities. Private showings, off-market options when they exist, and the dues, reserves and insurance behind the price.

Relocating

Video tours, area guides and a short list built around your commute, water and budget before you fly in.

Second homes

A winter place or a vacation home: rental rules, HOA approval, insurance and who watches the house while you are away.

Investors

Rent, cap rate and cash flow side by side, plus seasonal rental rules by community.

How I help

Business owners

A home and a business move at the same time: residential, commercial space and land with one advisor.

How I help

First-time buyers

Budget first, then the search. I walk you through every form and every cost.

Buyer questions

How much should I budget for homeowners insurance?

Lee County homeowners policies averaged $3,576 a year with wind coverage as of March 31, 2026, per the Florida Office of Insurance Regulation. Your quote depends on the roof, construction, wind protection and flood zone. Get a quote on the actual address during your inspection period.

Do I need flood insurance?

Lenders require it for federally backed loans on homes in high-risk zones (A, AE, V, VE). Many owners outside those zones buy it anyway. Cape Coral’s CRS Class 5 rating takes 25% off NFIP flood premiums in A, AE and V zones.

Can I buy without seeing the home in person?

Yes. I do live video tours and send inspection findings in detail. Many out-of-state buyers close without flying in.

Start with your number.

Book a buyer call Run the monthly cost calculator