3205 Kumamoto Ln. – #226039645

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3205 Kumamoto Ln., Naples, FL 34114

$2,695,000 For Sale

Beds
3
Baths
3½
Sq Ft
3,426
Built
2023

MLS# 226039645 10 days on market

Fees & taxes

Annual fees
$7,964
One-time fees
$5,150
Seller’s 2025 taxes
$21,718

Community

Fiddler’s Creek
Subdivision Oyster Harbor

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Listing description

Excellent opportunity to secure this RARELY available and first time on the market Iris model in Oyster Harbor, completed in 2023 by Gulf Bay Homes & MHK Architecture. From the minute you enter you feel the warmth of this CUSTOM ,TAILORED ,ELEVATED and CHIC home. The IRIS popular layout allows for those that desire privacy and elegance.This 3 bedroom ensuite, plus powder room, a den/ home office or utilize as a 4th smaller bedroom, floorpan boosts 3426 square ft under air and a total of 4518 sq ft livable luxury. From its inviting interiors and beautifully appointed living spaces to its seamless indoor-outdoor lifestyle, every detail reflects the best selection of material to make this home one of a kind. Expansive upgrades and details are noticed immediately throughout the entire residence. Light wood flooring, coffered ceilings, custom trim work, Sonos speaker living room, a butlers pantry, quartz countertops, custom designer wall coverings, an oversized walk-in primary closet, sitting area/office in primary , a 43" linear 2 way gas fire place, oversized storage closets, designer choice lighting fixtures, alarm system, and custom stonework. Open concept living allows complete integration to your private pool/spa oasis, a fully appointed outdoor kitchen with stainless steel appliances, a gas grill, outdoor under cover dining and entertaining area, private courtyard with boxwood decor privacy wall, a heated salt water pool/spa with autofill, tankless water heater, impact resistant windows and doors, electric hurricane shutters lanai, motorized retractable screens, peace of mind knowing this home is private, quiet, and secure. Residents can expect to enjoy a resort lifestyle with miles of tree lined scenic walkways, pickleball, tennis, bocce courts, 2 restaurants ,resort style pools, a 54,000 square foot Club & Spa. Optional golf, beach, and boating memberships are offered to enhance your desires. 3205 Kumamoto is nestled within the prestigious Fiddlers Creek Community in Naples, FL. This exceptional home offers a lifestyle designed by resort amenities, natural beauty, and effortless elegance. Best of all just a short drive to Southwest Florida's finest white sandy beaches, restaurants galore, boutique shopping and so much more.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Unfurnished
Building style
Ranch, Contemporary, Single Family
Floor plan
Courtyard, Great Room, Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Metal, Tile
Lot size
0.21 acres
Lot description
Corner Lot, Cul-De-Sac, Regular

Interior

Features
Closet Cabinets, Coffered Ceiling(s), Custom Mirrors, Fireplace, Foyer, French Doors, Laundry Tub, Pantry, Pull Down Stairs, Smoke Detectors, Wired for Sound, Vaulted Ceiling(s), Volume Ceiling, Walk-In Closet(s), Window Coverings, Zero/Corner Door Sliders
Flooring
Tile, Wood
Cooling
Central Electric
Additional rooms
Den - Study, Family Room, Florida Room, Great Room, Guest Bath, Guest Room, Home Office, Laundry in Residence, Media Room, Open Porch/Lanai, Screened Lanai/Porch

Kitchen & dining

Kitchen
Island, Pantry, Walk-In Pantry
Appliances
Gas Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Refrigerator/Freezer, Refrigerator/Icemaker, Self Cleaning Oven, Tankless Water Heater, Washer, Wine Cooler

Outdoor & view

View
Lagoon, Landscaped Area, Pond, Preserve, Privacy Wall
Rear exposure
Northwest
Exterior
Open Porch/Lanai, Screened Lanai/Porch, Built In Grill, Built-In Gas Fire Pit, Courtyard, Outdoor Kitchen, Outdoor Shower
Storm protection
Impact Resistant Doors, Impact Resistant Windows, Shutters Electric, Shutters - Screens/Fabric

Parking

Garage
Yes
Car port
No
Spots
2
Description
2 Assigned, Driveway Paved, Guest, Paved, Attached

Pool & spa

Private pool
Yes
Private spa
Yes
Community pool
Yes
Pool description
Community, Pool/Spa Combo, Below Ground, Concrete, Gas Heat, Pool Bath, Salt Water, Screen Enclosure, Self Cleaning
Spa description
Community, Below Ground, Concrete, Heated Gas, Pool Bath, Pool Integrated, Self Cleaning, Jetted Tub

Waterfront

Waterfront
No
Description
None
Gulf access
No
Canal
None
Boat / dock
None

Community amenities

Amenities
Beach Club Available, Bike And Jog Path, Bocce Court, Business Center, Clubhouse, Pool, Community Room, Concierge, Fitness Center, Full Service Spa, Golf Course, Internet Access, Marina, Pickleball, Play Area, Private Membership, Putting Green, Restaurant, Sauna, Shopping, Sidewalk, Streetlight, Tennis Court(s), Underground Utility
Golf
Golf Equity, Golf Non Equity
Elevator
None

What the fees cover

Maintenance
Cable, Internet/WiFi Access, Irrigation Water, Lawn/Land Maintenance, Legal/Accounting, Manager, Rec Facilities, Security, Street Lights

Pets & leasing

Pets allowed
With Approval
Number allowed
2
Weight limit
25 lbs
Restrictions
Architectural, Deeded, No RV

Additional details

Parcel number
64752012065
Potential short sale
No

Listing last updated November 9, 2026

Listing courtesy of Waterfront Realty Group Inc · 239-263-1000

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 $20,700 a year at the county’s value of this home and its 1.04% tax rate, including $4,737 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 3205 Kumamoto Ln

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 3205 Kumamoto Ln. – #226039645, by driving distance
NameMilesETA
Fifth Avenue South 12.7 mi 23 min
Third Street South 13.8 mi 27 min
Coastland Center 14.8 mi 28 min
Venetian Village 16.9 mi 32 min
Waterside Shops 17.9 mi 33 min
Galleria Shoppes at Vanderbilt 18.8 mi 34 min
Mercato 20.7 mi 37 min
Miromar Outlets 33.7 mi 47 min
Coconut Point 34.5 mi 50 min
Gulf Coast Town Center 38.1 mi 51 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 lot 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 Fiddler’s Creek

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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