23 Center St. – #226038329

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23 Center St., Naples, FL 34108

$3,495,000 For Sale

Beds
3
Baths
2
Sq Ft
2,308
Built
1968

MLS# 226038329 22 days on market

Fees & taxes

Seller’s 2025 taxes
$8,883

Community

Pine Ridge

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Listing description

Flood Zone X, high and dry! Create something extraordinary on this 1.34-acre homesite in Naples’ highly sought-after Pine Ridge Estates. A peaceful pond backdrop and expansive grounds create a secluded retreat just minutes from the Gulf’s white-sand beaches. Build your dream estate or explore the possibilities for a luxury spec home in this coveted location. Enjoy convenient access to Clam Pass Beach, Mercato’s shopping and dining, Waterside Shops, and Artis—Naples, with downtown Fifth Avenue South a short drive away. The existing main residence and separate guest cottage offer flexibility with living or rental options while you plan your vision to create your dream estate. Space, serenity, and an exceptional Naples address—the perfect foundation for your next chapter.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Unfurnished
Building style
Ranch, Single Family
Floor plan
Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Shingle
Lot size
1.34 acres
Lot description
Irregular Lot

Interior

Features
Other
Cooling
Central Electric, Heat Pump
Additional rooms
Other

Kitchen & dining

Kitchen
Pantry
Appliances
Dishwasher, Range, Refrigerator

Outdoor & view

View
Pond
Rear exposure
North
Exterior
Screened Porch
Storm protection
None

Parking

Garage
Yes
Car port
No
Spots
2
Description
Driveway Paved, RV-Boat, Attached

Pool & spa

Private pool
Yes
Private spa
Yes
Pool description
Below Ground, Concrete
Spa description
Below Ground, Concrete, Heated Electric

Waterfront

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

Community amenities

Golf
No Golf Available
Elevator
None

What the fees cover

Maintenance
None

Pets & leasing

Pets allowed
Yes
Restrictions
None/Other

Schools

Elementary
Sea Gate
Middle
Pine Ridge
High
Barron Collier

Additional details

Parcel number
67230440004
Potential short sale
No

Listing last updated October 23, 2026

Listing courtesy of Downing Frye Realty Inc. · 239-261-2244

Broker Reciprocity Program

The source of this real property information is the copyrighted and proprietary database compilation of the M.L.S. of Naples, Inc. Copyright 2026 M.L.S. of Naples, Inc. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.

Displayed under License No. SL3295589.

Property taxes for a new owner

Estimated property taxes about $15,500 a year at the county’s value of this home and its 0.94% tax rate, including $524 in charges not based on value, no exemptions applied

On the county’s 2026 roll, the seller’s bill is about $9,000, lower because of a homestead exemption and a capped assessment, which end when the home sells.

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 23 Center St

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 23 Center St. – #226038329, by driving distance
NameMilesETA
Waterside Shops 0.7 mi
Mercato 2.5 mi 5 min
Venetian Village 2.5 mi 6 min
Coastland Center 3.9 mi 9 min
Galleria Shoppes at Vanderbilt 4.3 mi 8 min
Fifth Avenue South 5.6 mi 11 min
Third Street South 6.8 mi 15 min
Coconut Point 13.1 mi 21 min
Miromar Outlets 19.6 mi 29 min
Gulf Coast Town Center 24 mi 33 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 B Collier

Called in the second wave, for stronger storms.

Called firstCalled last
FEMA flood zone

Zone X (minimal)

Minimal mapped flood hazard

The building is outside the Special Flood Hazard Area.

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 Pine Ridge

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

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

Florida License SL3295589

“We couldn't have imagined a better experience.”
Matt & Lisa Benati

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