Mediterranean / spanish house featuring a tiled roof, stucco siding, a front yard, and a garage

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1275 Cobia Ct., Naples, FL 34102

$2,350,000 Sold

Beds
3
Baths
3
Sq Ft
2,651
Built
1989

MLS# 225073056 Listed at $2,550,000 Sold June 18, 2026

Fees & taxes

Seller’s 2024 taxes
$16,746

Community

Royal Harbor

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Listing description

One or more photo(s) has been virtually staged, AI generated or rendered. Exceptional waterfront opportunity in the highly sought-after Royal Harbor community, one of Naples' premier boating enclaves known for its direct gulf access and luxury new construction multi-million dollar homes. Perfectly positioned on a prime waterfront, cul-de-sac homesite, with an unbeatable location just minutes to downtown Naples.
The existing residence is well-maintained and fully livable with 2,651 sq.ft, offering immediate enjoyment or strong rental potential. However, the true value lies in the land - an ideal canvas to design and build a custom home of your own.
For boating enthusiasts, this property is especially compelling, featuring a newer (2023) boat lift with a 27,000 lb capacity - perfect for accommodating a substantial vessel with ease. Enjoy quick access to the Gulf with no fixed bridges.
Located just minutes from 5th Ave and 3rd St, you'll enjoy world-class dining, boutique shopping, white-sand beaches and the vibrant Naples lifestyle right at your doorstep.
Whether you choose to enjoy the home as-is, hold as an income producing asset, or build your dream residence, this is a rare opportunity to secure a premier Gulf-access lot in prestigious Royal Harbor.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Furnished
Building style
Two Story, Single Family
Floor plan
Split Bedrooms, 2 Story
Construction
Wood Frame, Stucco
Roof
Tile
Lot size
0.23 acres
Lot description
Regular

Interior

Features
Closet Cabinets, Foyer, Smoke Detectors, Vaulted Ceiling(s), Walk-In Closet(s)
Flooring
Tile
Cooling
Ceiling Fan(s), Central Electric
Additional rooms
Laundry in Residence, Screened Lanai/Porch

Kitchen & dining

Appliances
Dishwasher, Disposal, Dryer, Microwave, Refrigerator/Freezer, Self Cleaning Oven, Washer
Dining
Breakfast Bar, Dining - Family

Outdoor & view

View
Canal
Rear exposure
North
Exterior
Boat Dock Private, Boat Lift, Elec Avail at dock, Water Avail at Dock, Screened Lanai/Porch
Storm protection
None

Parking

Garage
Yes
Car port
No
Spots
2
Description
Attached

Pool & spa

Private pool
Yes
Private spa
No
Pool description
Below Ground, Concrete, Equipment Stays, Electric Heat

Waterfront

Waterfront
Yes
Description
Canal Front
Gulf access
Yes
Gulf access type
No Bridge(s)/Water Direct
Canal
Canal Width 31-80
Boat / dock
Boat Dock Private, Boat Lift, Elec Avail at dock, Water Avail at Dock

Community amenities

Amenities
None
Elevator
None
Security
Smoke Detector(s)

What the fees cover

Maintenance
None

Pets & leasing

Pets allowed
Yes
Restrictions
Deeded

Schools

Elementary
Lake Park Elementary
Middle
Gulf View Middle
High
Naples High

Additional details

Parcel number
18317400000
Potential short sale
No

Listing last updated June 19, 2026

Listing courtesy of Compass Florida LLC · 239-268-8976

Flood zones & evacuation

Two different things, measured by two different agencies. Evacuation zones are about storm surge and who leaves first. Flood zones are FEMA’s insurance rating, and they vary from home to home.

Hurricane evacuation zone

Zone A Collier

The first zone ordered to evacuate, and the one called in the weakest storms.

Called firstCalled last
FEMA flood zone

Zone AE

1% annual chance, with a set base flood elevation

The building is inside a Special Flood Hazard Area, where a federally backed mortgage requires flood insurance.

FEMA flood maps and Collier County Emergency Management. A revised Collier County flood map is in preparation and may change these zones.

A starting point, not a determination. Your lender will require its own flood zone determination before closing, and your insurer will normally require an elevation certificate — a surveyor’s measurement of how high the building actually sits — before quoting. Those documents govern; this does not replace either. Zones can also be amended individually through FEMA.

Flood zones, evacuation, and insurance are explained in the Risk, Resilience & Insurance chapter of the 2027 Naples Buyer’s Guide.

Flood zones across Royal Harbor

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

Call (239) 450-3763 Text (239) 450-3763

Florida License SL3295589

“…an absolutely terrific real estate agent.”
Jim & Carmen Kosloski

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