651 21st AVE S, Naples, FL, 34102 | $8,495,000

Tucked away in one of Naples’ most prestigious waterfront neighborhoods, this masterfully designed residence is a sanctuary of elegance, comfort, and mindful living. Set on a prized T-lot with expansive canal views, the home offers exceptional privacy, easy boating access, and the rare ability to accommodate a large vessel with ease.
Inside, a refined blend of traditional design and modern luxury creates a warm, welcoming atmosphere. With six spacious bedrooms—each with its own private ensuite—the home effortlessly balances everyday functionality with elevated style. A separate guest suite with its own entrance, kitchenette, and laundry facilities offers exceptional flexibility for visitors or extended family.
Soaring ceilings and thoughtfully curated architectural details define the interior, from the grand arched passages to the custom millwork and serene color palette. A dedicated meditation space and the home's northern rear orientation invite harmony and wellbeing, creating a peaceful retreat inspired by principles of balanced design.
The home also includes two half-baths, a pool bath, and an elevator for convenience. A handsome study with panoramic water views provides a perfect work-from-home setting, while a temperature-controlled wine room offers the ideal environment to store and showcase a curated collection.
Engineered for healthy living, the property is equipped with a state-of-the-art three-tank whole-house reverse osmosis system that delivers high-quality, purified water throughout. Lush landscaping, private terraces, and an outdoor setting reminiscent of a Mediterranean villa make this home feel like a world away—yet it’s just moments from the beach, upscale shopping, and top-tier dining.
Whether you're searching for a luxurious year-round home or a remarkable seasonal getaway, this exceptional property offers the perfect combination of location, lifestyle, and long-term value in the heart of coastal Naples.

Features

  • Amenities: Beach Access,Internet Access,Other,Play Area,Streetlight,Underground Utility
  • Bedrooms: 6
  • Baths: 6 full / 3 half
  • Style: 2 Story
  • Development: AQUALANE SHORES
  • Year Built: 2002
  • Garage: 3-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 7,185
  • Acreage: 0.34
  • Est. Taxes: $71,032
  • Lot Desc: Regular
  • View: Canal
  • Community Type: Non-Gated
  • Water Front: Yes
  • Boat Access: Boat Dock Private
  • Private Pool: Yes
  • Pet Policy: No Approval Needed
  • MLS#: 225070709
  • Website: https://www.raveis.com
    /eprop/225070709/65121staves_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 John R Wood Properties

William Raveis Family of Services

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888.699.8876

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

651 21st AVE S, Naples, FL, 34102

$8,495,000

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 $6,796,000 $6,796,000 $6,796,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.300% 6.361% 6.203%
Monthly Tax Payment $5,919 $5,919 $5,919
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $40,201 $41,844 $57,349
Total Monthly Payment $46,245 $47,888 $63,393

* 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.