342 Germain Ave., Naples, FL 34108
$3,999,999 For Sale
- Beds
- 5
- Baths
- 5½
- Sq Ft
- 4,360
- Built
- 1989
MLS# 226030192 39 days on market
Fees & taxes
- Seller’s 2023 taxes
- $41,940
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Listing description
One or more photo(s) has been virtually staged, AI generated or rendered. Set along the water in the Conners area of Vanderbilt Beach, 342 Germain Avenue presents a rare Gulf-access waterfront setting on an approximately 0.37-acre tip lot at the end of a cul-de-sac. With approximately 175 feet of waterfront and western exposure, the property is oriented toward expansive water views and sunsets, while its Gulf access creates a direct connection to the boating lifestyle associated with coastal Naples. The two-story residence features five bedrooms, five full baths and one-half bath, with two bedrooms and two full baths on the first floor, plus a pool bath. Iron entry doors open to high ceilings and dual curved marble staircases that frame views toward the water. Throughout the main living areas, the kitchen, dining room and living spaces are positioned to engage with the waterfront setting, creating a foundation for renovation and personalization. Upstairs, the primary suite includes a private study and two terraces, with one overlooking the water and another oriented toward easterly views. Two additional guest bedrooms are en suite, each offering generous closet space and a waterfront balcony. The outdoor spaces extend the residence's connection to the water. An outdoor kitchen and covered dining area are positioned alongside a saltwater pool and spa, gazebo, waterfront deck, boat lift and personal watercraft lift. The extensive waterfront frontage and tip-lot configuration provide multiple vantage points for enjoying the property's coastal setting and accessing the water. The location places Vanderbilt Beach, The Ritz-Carlton, Naples, and the shops and restaurants of Mercato nearby. For buyers seeking a Gulf-access waterfront home in Naples with substantial water frontage, boating infrastructure, and renovation or redevelopment potential, 342 Germain Avenue offers an established property with an opportunity to create a residence tailored to individual preferences. Buyers interested in renovation or redevelopment should independently verify applicable building, zoning and permitting requirements.
Property details
Building & ownership
- Ownership
- Single Family
- Furnishings
- Partially
- Building style
- Two Story, Single Family
- Floor plan
- 2 Story
- Construction
- Concrete Block, Stucco
- Roof
- Tile
- Lot size
- 0.37 acres
- Lot description
- Cul-De-Sac
Interior
- Features
- Cathedral Ceiling(s), Coffered Ceiling(s), Custom Mirrors, Foyer, French Doors, Laundry Tub, Pantry, Smoke Detectors, Tray Ceiling(s), Walk-In Closet(s), Window Coverings
- Flooring
- Carpet, Marble, Tile
- Cooling
- Ceiling Fan(s), Central Electric
- Additional rooms
- Balcony, Den - Study, Great Room, Guest Bath, Guest Room, Laundry in Residence, Open Porch/Lanai
Kitchen & dining
- Kitchen
- Walk-In Pantry
- Appliances
- Dryer, Refrigerator, Washer
Outdoor & view
- View
- Bay, Canal, Partial Gulf, Water
- Rear exposure
- West
- Exterior
- Boat Dock Private, Boat Lift, Boat Slip, Dock Included, Elec Avail at dock, Jet Ski Lift, Water Avail at Dock, Wooden Dock, Balcony, Open Porch/Lanai, Outdoor Kitchen, Outdoor Shower
- Storm protection
- Impact Resistant Doors, Impact Resistant Windows
Parking
- Garage
- Yes
- Car port
- No
- Spots
- 2
- Description
- Driveway Paved, Guest, Attached
Pool & spa
- Private pool
- Yes
- Private spa
- Yes
- Pool description
- Below Ground, Concrete, Custom Upgrades, Equipment Stays, Gas Heat, Pool Bath, Salt Water
- Spa description
- Below Ground, Concrete, Equipment Stays, Heated Gas
Waterfront
- Waterfront
- Yes
- Description
- Bay, Canal Front, Seawall
- Gulf access
- Yes
- Gulf access type
- Bridge(s)/Water Indirect
- Canal
- Canal Width 121-150
- Boat / dock
- Boat Dock Private, Boat Lift, Boat Slip, Dock Included, Elec Avail at dock, Jet Ski Lift, Water Avail at Dock, Wooden Dock
Community amenities
- Amenities
- None
- Elevator
- None
What the fees cover
- Maintenance
- None
Pets & leasing
- Pets allowed
- Yes
- Restrictions
- None/Other
Additional details
- Parcel number
- 27588200004
- Potential short sale
- No
Listing last updated October 20, 2026
Listing courtesy of Premier Sotheby's Int'l Realty · 239-434-2424
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
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 342 Germain Ave
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.
| Name | Miles | ETA |
|---|---|---|
| Mercato | 2.4 mi | 7 min |
| Galleria Shoppes at Vanderbilt | 4.1 mi | 10 min |
| Waterside Shops | 4.6 mi | 10 min |
| Venetian Village | 6.4 mi | 13 min |
| Coastland Center | 7.8 mi | 16 min |
| Fifth Avenue South | 9.5 mi | 18 min |
| Third Street South | 10.7 mi | 22 min |
| Coconut Point | 11 mi | 19 min |
| Miromar Outlets | 17.5 mi | 27 min |
| Gulf Coast Town Center | 21.9 mi | 31 min |
| Name | Miles | ETA |
|---|---|---|
| Nearest beach access: Vanderbilt Beach at Bluebill Ave. | 1.1 mi | 3 min |
| Delnor-Wiggins Pass State Park | 1.1 mi | 3 min |
| Clam Pass Park | 5.4 mi | 12 min |
| Barefoot Beach Preserve | 6.1 mi | 15 min |
| Bonita Beach | 6.3 mi | 15 min |
| Via Miramar Beach | 7.9 mi | 16 min |
| Lowdermilk Park | 8.5 mi | 17 min |
| Naples Municipal Beach and Pier | 10.8 mi | 22 min |
| Lovers Key State Park | 11.1 mi | 25 min |
| Fort Myers Beach | 17.8 mi | 42 min |
| Name | Miles | ETA |
|---|---|---|
| Artis—Naples | 4.5 mi | 9 min |
| Sugden Community Theatre | 9.6 mi | 19 min |
| Gulfshore Playhouse | 9.7 mi | 18 min |
| Barbara B. Mann Performing Arts Hall | 23.2 mi | 39 min |
| Music & Arts Community Center | 26.8 mi | 37 min |
| Name | Miles | ETA |
|---|---|---|
| North Collier Regional Park | 6.2 mi | 15 min |
| Fred W. Coyle Freedom Park | 8.4 mi | 17 min |
| Gordon River Greenway Park | 8.5 mi | 16 min |
| Naples Zoo | 8.5 mi | 18 min |
| Baker Park | 9.7 mi | 19 min |
| Cambier Park | 9.8 mi | 20 min |
| Sugden Regional Park | 12.8 mi | 25 min |
| Naples Botanical Garden | 13.2 mi | 26 min |
| Big Corkscrew Island Regional Park | 16.8 mi | 31 min |
| Paradise Coast Sports Complex | 17.2 mi | 28 min |
| Corkscrew Swamp Sanctuary | 22.4 mi | 39 min |
| Name | Miles | ETA |
|---|---|---|
| NCH North Naples Hospital | 2.9 mi | 8 min |
| NCH Baker Downtown | 9.1 mi | 18 min |
| Physicians Regional Pine Ridge Rd. | 10.2 mi | 19 min |
| Physicians Regional Collier Blvd. | 19.2 mi | 30 min |
| Name | Miles | ETA |
|---|---|---|
| Naples Airport (APF) | 10.6 mi | 21 min |
| Marco Island Executive Airport (MKY) | 24.2 mi | 46 min |
| Southwest Florida International Airport (RSW) | 28.1 mi | 40 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.
Zone A Collier
The first zone ordered to evacuate, and the one called in the weakest storms.
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.
Flood zones, evacuation, and insurance are explained in the Risk, Resilience & Insurance chapter of the 2027 Naples Buyer’s Guide.
Jeffrey Waldman
REALTOR® and Owner, Naples Abodes
Call (239) 450-3763 Text (239) 450-3763
Florida License SL3295589
“I hit the jackpot with Jeff Waldman.”
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