🏡 Questions Every Buyer Should Ask Before Purchasing in Naples, Florida

Your Naples Buyer’s Guide: What to Know Before You Buy

By Jenny Manship, Realtor® | Coldwell Banker Realty | Global Luxury Specialist

Buying a home in Naples, Florida means more than just finding a property — it’s discovering a lifestyle. From miles of white-sand beaches and world-class dining to gated golf communities and coastal cottages, Naples offers something for everyone.

Whether you’re a first-time buyer, a seasonal resident, or looking for your next investment property, the key to success is asking the right questions — and working with a Realtor® who understands this market inside and out.

Naples Market Snapshot — October 2025

The Naples real estate market remains one of Florida’s most desirable.

• Median price: approximately $745,000, with luxury homes trending over $1M.
• Inventory: higher than last season, giving buyers more leverage and choice.
• Interest rates: have stabilized, bringing seasonal and out-of-state buyers back into play.
• Despite moderation, Naples continues to outperform most coastal markets thanks to its enduring lifestyle appeal and value retention.

Questions to Ask Your Realtor®

Market Conditions & Value

• How competitive is the Naples market right now — are we in a buyer’s or seller’s market?
• What’s the average price per square foot in this neighborhood?
• How long are homes staying on the market?
• Are sellers still making price adjustments or offering concessions?
• How does this home compare to others that recently sold nearby?

Neighborhood & Community

• Is this a gated or deed-restricted community? What amenities are included?
• What are the HOA or condo fees — and what do they cover?
• Are rentals allowed, and what are the restrictions?
• How are the association’s reserves and finances? Any upcoming assessments?
• Is the neighborhood more seasonal or year-round?

Costs, Fees & Ownership

• What are the property taxes and how does Florida’s Homestead Exemption work?
• Are there CDD (Community Development District) or special assessments?
• What are average insurance costs — especially for flood and wind coverage?
• What’s included in the HOA or condo fees (roof, cable, water, exterior maintenance)?
• How does this home’s maintenance and utility cost compare to others?

Condition, Inspection & Resale

• How old are the roof, HVAC, and water heater?
• Has the home had hurricane or flood damage? Are the windows impact-rated?
• Are permits in place for any renovations or additions?
• What’s the resale potential of this property?
• What improvements could increase its value or rental demand?

Contracts & Negotiations

• Should I use the NABOR “As-Is” or Standard Contract — what’s the difference?
• What are typical deposit amounts and inspection periods?
• Are sellers open to financing or appraisal contingencies?
• What are common deal breakers in Naples?
• How can my offer stand out in a competitive situation?

Lifestyle & Long-Term Vision

• How far is the property from the beach, downtown, or major amenities?
• What’s traffic like during high season?
• Does this area flood or lose power frequently during storms?
• If I rent it seasonally, what are average rental rates and occupancy trends?
• What’s the long-term outlook for value growth in this community?

Ready to Start Your Naples Home Search?

Whether you’re buying your first home or your dream retreat, local guidance matters. Naples is a diverse market — from waterfront estates in Aqualane Shores to golf course villas in Lely Resort — and each neighborhood tells a different story.

Let’s find the one that fits yours.

Jenny Manship, Realtor®
Coldwell Banker Realty | Global Luxury Specialist
Licensed in Florida & Connecticut
📞 (203) 996-3978 📧 jenny.manship@cbrealty.com
🌐 www.JennyManship.com
Trusted guidance from Naples to the Connecticut Shoreline.