645 Broad Ave. S – #226031335

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645 Broad Ave. S, Naples, FL 34102

$4,475,000 For Sale

Beds
3
Baths
3½
Sq Ft
3,619
Built
2008

Price cut $124,000 9 days ago

MLS# 226031335 72 days on market

Fees & taxes

Seller’s 2025 taxes
$10,315

Community

Olde Naples

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Ask about this home or arrange a tour.

Listing description

Between the Gulf of Mexico and Naples Bay, this coastal contemporary home captures the charm of Old Florida living. Just six blocks to the beach and Naples Pier, and moments from 3rd Street South and 5th Avenue, it’s perfectly situated for the Olde Naples lifestyle. Filled with natural light, the home features 3 bedrooms plus a den, 3.5 baths, a gourmet kitchen, dining area, morning nook, and custom elevator. French doors open to rich wood floors and custom ceilings. Outdoor spaces include a front porch, second floor balcony, covered lanai, heated pool and spa, and lush tropical landscaping for privacy. Built to modern standards with impact windows, a whole-house generator, new A/C, and elevated construction that’s remained high and dry—this residence offers timeless coastal style and enduring quality in an exceptional location.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Negotiable
Building style
Two Story, Single Family
Floor plan
Split Bedrooms, 2 Story
Construction
Concrete Block, Wood Frame, Stucco
Roof
Metal
Lot size
0.17 acres
Lot description
Regular

Interior

Features
Bar, Built-In Cabinets, Cathedral Ceiling(s), Custom Mirrors, Fire Sprinkler, Fireplace, Foyer, French Doors, Laundry Tub, Pantry, Smoke Detectors, Wired for Sound, Tray Ceiling(s), Volume Ceiling, Walk-In Closet(s), Window Coverings
Flooring
Carpet, Tile, Wood
Cooling
Central Electric
Additional rooms
Balcony, Den - Study, Family Room, Guest Bath, Guest Room, Laundry in Residence

Kitchen & dining

Kitchen
Gas Available, Island, Walk-In Pantry
Appliances
Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator/Freezer, Washer

Outdoor & view

View
City
Rear exposure
North
Exterior
Balcony, Courtyard
Storm protection
Impact Resistant Doors, Impact Resistant Windows

Parking

Garage
Yes
Car port
No
Spots
2
Description
Attached

Pool & spa

Private pool
Yes
Private spa
Yes
Pool description
Below Ground, Concrete, Custom Upgrades, Equipment Stays
Spa description
Below Ground, Concrete, Equipment Stays, Heated Electric, Jetted Tub

Waterfront

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

Community amenities

Amenities
None
Elevator
Private

What the fees cover

Maintenance
Cable, Insurance, Internet/WiFi Access, Irrigation Water, Lawn/Land Maintenance, Sewer, Trash Removal, Water

Pets & leasing

Pets allowed
Yes
Restrictions
None/Other

Schools

Elementary
Lake Park Elementary
Middle
Gulfview Middle School
High
Naples High School

Additional details

Parcel number
14037120004
Potential short sale
No

Listing last updated November 11, 2026

Listing courtesy of Compass Florida LLC · 239-268-8976

Property taxes for a new owner

Estimated property taxes about $16,700 a year at the county’s value of this home and its 0.90% tax rate, no exemptions applied

On the county’s 2026 roll, the seller’s bill is about $10,500, 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. The county sets a new value each January 1, so a new owner’s first full bill can differ.

Destinations & driving times from 645 Broad Ave. S

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 645 Broad Ave. S – #226031335, by driving distance
NameMilesETA
Third Street South 0.5 mi
Fifth Avenue South 0.9 mi
Coastland Center 3.2 mi 8 min
Venetian Village 5.1 mi 11 min
Waterside Shops 5.8 mi 13 min
Mercato 8.6 mi 17 min
Galleria Shoppes at Vanderbilt 9.3 mi 19 min
Coconut Point 19.1 mi 32 min
Miromar Outlets 26 mi 38 min
Gulf Coast Town Center 30.4 mi 42 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 Olde Naples

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

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

Florida License SL3295589

“…everything you could want in a real estate agent.”
Matt & Becky Bogyo

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