495 Saddlebrook Ln. – #226034949

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495 Saddlebrook Ln., Naples, FL 34110

$1,275,000 For Sale

Beds
3
Baths
2½
Sq Ft
2,530
Built
2006

Open house · Sunday, November 15 · 1–3 p.m.

MLS# 226034949 16 days on market

Fees & taxes

Annual fees
$5,316
One-time fees
$1,950
Seller’s 2023 taxes
$8,365

Community

Horse Creek Estates

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Listing description

Beautifully Reimagined. Effortlessly Elegant. Completely Move-In Ready!
And recently back on the market for an unforeseen circumstance wholly unrelated to the property....

Imagine finding a home where everything has already been done for you! Beautifully renovated inside and out, this light-filled residence in North Naples’ desirable Horse Creek Estates offers the perfect blend of modern luxury, relaxed Florida living, and everyday comfort.

And the upgrades go far beyond appearances! A BRAND-NEW metal roof, NEW A/C system, impact-resistant windows and doors, motorized hurricane lanai screens, and remote-controlled shades, fans, and lighting provide comfort, convenience, and peace of mind. Additionally? This showplace boasts 12-foot ceilings, impressive 8-foot doorways,and an open, airy floor plan create an immediate sense of space and sophistication. Gorgeous wood flooring throughout, elegant crown molding, plantation shutters, custom closets, GE Profile appliances, and thoughtful designer touches make every room feel special.

Outside, mature tropical landscaping, heated pool & spa, large brick paver lanai perfect for parties, overlooking a tranquil canal, and a newly fenced backyard create a peaceful retreat perfect for relaxing, entertaining, or letting your four-legged friends play.

Nestled in the beautifully maintained community of Horse Creek Estates, you’re just minutes from fabulous dining, shopping, and Naples’ gorgeous white-sand beaches.

No projects. No to-do lists. Just move in, unpack, and start living the Florida lifestyle you’ve been dreaming about!

Property details

Building & ownership

Ownership
Single Family
Furnishings
Negotiable
Building style
Traditional, Single Family
Floor plan
Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Tile
Lot size
0.27 acres
Lot description
Regular

Interior

Features
Bar, Closet Cabinets, Foyer, French Doors, Laundry Tub, Pantry, Tray Ceiling(s), Volume Ceiling, Walk-In Closet(s), Window Coverings
Flooring
Tile, Wood
Cooling
Ceiling Fan(s), Central Electric
Additional rooms
Den - Study, Laundry in Residence, Screened Lanai/Porch

Kitchen & dining

Kitchen
Island, Pantry
Appliances
Dryer, Microwave, Range, Refrigerator/Icemaker, Self Cleaning Oven, Washer

Outdoor & view

View
Canal, Landscaped Area
Rear exposure
North
Exterior
Screened Lanai/Porch
Storm protection
Impact Resistant Doors, Impact Resistant Windows, Shutters Electric, Shutters - Screens/Fabric

Parking

Garage
Yes
Car port
No
Spots
2
Description
Attached

Pool & spa

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

Waterfront

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

Community amenities

Amenities
Internet Access, Sidewalk, Streetlight, Underground Utility
Elevator
None

What the fees cover

Maintenance
Cable, Internet/WiFi Access, Lawn/Land Maintenance, Legal/Accounting, Pest Control Exterior, Street Lights, Street Maintenance

Pets & leasing

Pets allowed
Yes
Leases per year
3
Minimum lease
30 days
Restrictions
Architectural, Deeded, No Commercial, No RV

Additional details

Parcel number
50940009386
Potential short sale
No

Listing last updated November 10, 2026

Listing courtesy of John R Wood Properties · 239-261-6622

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 $7,800 a year at the county’s value of this home and its 1.00% tax rate, including $262 in charges not based on value, no exemptions applied

On the county’s 2026 roll, the seller’s bill is about $7,300, lower because of a homestead exemption, which ends 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 495 Saddlebrook 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 495 Saddlebrook Ln. – #226034949, by driving distance
NameMilesETA
Galleria Shoppes at Vanderbilt 3.7 mi 11 min
Mercato 4.8 mi 13 min
Waterside Shops 7.1 mi 16 min
Venetian Village 8.8 mi 19 min
Coastland Center 9.5 mi 21 min
Fifth Avenue South 11.9 mi 24 min
Coconut Point 12.2 mi 23 min
Third Street South 12.6 mi 28 min
Miromar Outlets 15.5 mi 26 min
Gulf Coast Town Center 19.9 mi 30 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 C Collier

Called in the third wave, for stronger storms.

Called firstCalled last
FEMA flood zone

Zone X (shaded)

0.2% annual chance — moderate risk

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 Horse Creek Estates

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

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

Florida License SL3295589

“We loved working with Jeff.”
Larry & Karen Smith

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