10684 Gulf Shore DR, Naples, FL, 34108 | $1,195,000

Step into this residence and enjoy views of both the Gulf and the bay the moment you walk through the door. This updated three bedroom two bath condo checks every box. Located on the top floor with high ceilings and an optional boat slip, the unit offers an ideal blend of luxury, lifestyle, and convenience.
Begin your mornings watching dolphins in the back bay, and end your days with picture perfect sunsets over the Gulf of Mexico. Beach access is directly across the street, making it effortless to enjoy the sand and surf.
Monte Carlo is a gated, low density, and beautifully maintained community on Gulf Shore with low HOA fees. The entire residence has been completely remodeled and upgraded with care, creating a space that feels modern, comfortable, and move in ready. Community amenities include a pool, tennis, pickleball, and a covered parking space.
You will not find a better value at this price point. Walking distance to La Playa, the Ritz Carlton, and the Turtle Club. This is a rare opportunity and this condo will not last.

Features

  • Building Design: Low Rise (1-3)
  • Parking: 1 Assigned,Covered
  • Heating: Central Electric
  • Cooling: Ceiling Fans
  • Levels: 3
  • Amenities: Beach Access,Community Pool,Pickleball,Tennis Court
  • Bedrooms: 3
  • Baths: 2 full
  • Complex: MONTE CARLO CLUB
  • Development: VANDERBILT BEACH
  • Year Built: 1988
  • Approx Sq. Feet: 1,440
  • Est. Taxes: $5,899
  • Master HOA Fee: $3,329
  • Lot Desc: Zero Lot Line
  • View: Bay,Gulf
  • Community Type: Boating,Gated
  • Water Front: Yes
  • Boat Access: Boat Lift,Dock Deeded
  • Elem. School: NAPLES PARK ELEMENTARY SCHOOL
  • Middle School: PINE RIDGE MIDDLE SCHOOL
  • High School: BARRON COLLIER HIGH SCHOOL
  • Pet Policy: Not Allowed
  • MLS#: 225006190
  • Website: https://www.raveis.com
    /prop/225006190/10684gulfshoredr_naples_fl?source=qrflyer
Copyright © 2026  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
Courtesy of Naples Homes

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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10684 Gulf Shore DR, Naples, FL, 34108

$1,195,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $956,000 $956,000 $956,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.750% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.117% 5.870% 5.806%
Monthly Tax Payment $492 $492 $492
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,353 $5,579 $7,875
Total Monthly Payment $5,970 $6,196 $8,492

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.