20 Seagate Dr. 103 – #225080743

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20 Seagate Dr. 103, Naples, FL 34103

$1,995,000 For Sale

Beds
2
Baths
2½
Sq Ft
2,453
Built
1990

MLS# 225080743 187 days on market

Fees & taxes

Annual fees
$41,400
One-time fees
$150
Seller’s 2024 taxes
$20,671

Community

Naples Cay
Building Beach House at Naples Cay

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Listing description

Gulf breezes await at the prestigious Beach House at Naples Cay, an exclusive enclave of only 33 residences with just three per floor, perfectly situated steps from the pristine white sand beaches. This exceptional residence offers two bedrooms plus a den, two and a half baths, and 2,453 square feet of refined living space. An open floorplan filled with abundant natural light includes a spacious kitchen with an island that flows seamlessly into the dining and living areas, creating an inviting setting for entertaining family and friends. The expansive primary suite serves as a serene retreat with Gulf views, a comfortable seating area, dual sinks, a walk-in closet, and a walk-in shower, while the private guest suite features its own generous closet and an en suite bath. Tile floors throughout, tasteful finishes, high-end stainless-steel appliances, a den with built-in cabinetry, and dual balconies that extend the living space and capture gentle coastal breezes elevate the overall lifestyle, and the residence is offered turnkey for immediate enjoyment. Additional conveniences include electric hurricane shutters, an enclosed garage space, and an additional covered parking space. Residents of Beach House at Naples Cay enjoy luxury amenities at The Club at Naples Cay, including a resort-style pool, state-of-the-art fitness center, community room, on-site management, tennis courts, sauna, and 24-hour gated security, as well as two-pet approval in this pet friendly building. Private beach access and a prime location near Waterside Shops, Venetian Village, Artis Naples, Mercato, and the cultural offerings of 5th Avenue South complete this exceptional coastal lifestyle.

Property details

Building & ownership

Ownership
Condo
Furnishings
Turnkey
Building style
High Rise (8+)
Floor plan
Great Room, Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Built-Up, Metal
Lot size
0 acres

Interior

Features
Built-In Cabinets, Closet Cabinets, Custom Mirrors, Fire Sprinkler, Foyer, Laundry Tub, Pantry, Smoke Detectors, Walk-In Closet(s), Window Coverings
Flooring
Tile
Cooling
Central Electric
Additional rooms
Balcony, Den - Study, Great Room, Guest Bath, Guest Room, Laundry in Residence, Open Porch/Lanai, Screened Lanai/Porch

Kitchen & dining

Kitchen
Built-In Desk, Island, Pantry
Appliances
Electric Cooktop, Dishwasher, Dryer, Microwave, Refrigerator/Freezer, Refrigerator/Icemaker, Wall Oven, Washer

Outdoor & view

View
Gulf, Landscaped Area
Rear exposure
West
Exterior
Balcony, Open Porch/Lanai, Screened Lanai/Porch
Storm protection
Other, Shutters Electric

Parking

Garage
Yes
Car port
Yes
Spots
2
Description
2 Assigned, Covered, Deeded, Driveway Paved, Guest, Paved, Attached, Attached Carport

Pool & spa

Private pool
No
Private spa
No
Community pool
Yes
Pool description
Community

Waterfront

Waterfront
Yes
Description
Bay, Fresh Water
Gulf access
No
Boat / dock
None

Community amenities

Amenities
Beach Access, Bike And Jog Path, Bike Storage, Clubhouse, Pool, Community Room, Fitness Center, Storage, Internet Access, Library, Play Area, Private Beach Pavilion, Sauna, Streetlight, Tennis Court(s), Trash Chute, Underground Utility, Car Wash Area
Elevator
Common

What the fees cover

Maintenance
Cable, Insurance, Internet/WiFi Access, Irrigation Water, Lawn/Land Maintenance, Legal/Accounting, Manager, Pest Control Exterior, Reserve, Security, Sewer, Street Lights, Street Maintenance, Trash Removal, Water

Pets & leasing

Pets allowed
Limits
Number allowed
2
Breed limits
dog or cat
Leases per year
3
Minimum lease
90 days
Restrictions
Architectural, Deeded, No Commercial, No RV

Schools

Elementary
Seagate Elementary School
Middle
Gulfview Middle School
High
Naples High School

Additional details

Parcel number
02955000069
Potential short sale
No

Listing last updated November 2, 2026

Listing courtesy of William Raveis Real Estate · 239-529-5451

Property taxes for a new owner

Estimated property taxes about $18,800 a year at the county’s value of this home and its 0.90% tax rate, including $357 in charges not based on value, no exemptions applied

That is about the same as the seller’s bill on the county’s 2026 roll.

If you make this home your primary residence, a homestead exemption would lower this figure. If you have also had a Florida homestead in any of the last three years, you may be able to carry up to $500,000 of its capped-value savings to this home, which Florida calls “portability.” Both are applied for with the Property Appraiser by March 1.

How a new owner’s property taxes are set is explained in the Costs & Taxes chapter of the 2027 Naples Buyer’s Guide.

Estimated from the Collier County Property Appraiser’s 2026 value of this home and its tax rate, plus its 2025 charges not based on value from the Collier County Tax Collector’s roll. The county sets a new value each January 1, so a new owner’s first full bill can differ.

Destinations & driving times from 20 Seagate Dr. 103

Every destination named here is described in the Destinations chapter of the 2027 Naples Buyer’s Guide.

Driving times are estimated from this home’s location, using OpenStreetMap road data.

Dining & Shopping near 20 Seagate Dr. 103 – #225080743, by driving distance
NameMilesETA
Waterside Shops 1.3 mi 5 min
Venetian Village 2 mi 7 min
Coastland Center 4.3 mi 11 min
Mercato 4.3 mi 10 min
Galleria Shoppes at Vanderbilt 5.3 mi 13 min
Fifth Avenue South 6.1 mi 14 min
Third Street South 7.3 mi 17 min
Coconut Point 14.8 mi 26 min
Miromar Outlets 21.8 mi 33 min
Gulf Coast Town Center 26.2 mi 37 min

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 Naples Cay

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

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

Florida License SL3295589

“You won't go wrong with Jeff at your side!”
Bill & Joyce Robertson

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