10228 Gator Bay CT, Naples, FL, 34120 | $1,000,000

Wake up each morning to the soft glow of sunrise reflecting over the lake and across the #1 golf hole on the Pine golf course, an inspiring way to begin each day in this warm and thoughtfully updated single-family home in Heritage Bay Golf & Country Club. Perfectly designed for comfort, connection, and effortless living, this single-story residence offers 4 bedrooms and 2 bathrooms, with the fourth bedroom serving as a flexible den with a custom Murphy bed and built-in desk.
From the moment you enter, the home feels exceptionally inviting. The primary bedroom’s new hardwood flooring adds natural elegance, while the frameless glass shower in the primary bath creates a clean, spa-like feel. Plantation shutters grace the windows. The updated kitchen, highlighted by granite countertops, stainless steel appliances, and a French-door refrigerator, sets the stage for memorable mornings and relaxed evenings at home.
Life flows seamlessly to the outdoor living area, where a new panoramic pool cage with Super Screening captures wide, unobstructed views of the sparkling lake and fairway. The lanai becomes your daily sanctuary, perfect for relaxing by the pool and spa, hosting friends, or simply embracing the peaceful rhythm of the community. Practical upgrades such as electronic metal hurricane shutters, a 2025 water heater, 2023 HVAC exchanger, 2025 pool pump, epoxy resin-coated garage flooring, and a Kinetico water purification system ensure lasting comfort. And with the Heritage Bay Enhancement Project special assessment fully paid, you can move in and enjoy.
But what makes this home truly exceptional is its location directly across the street from Heritage Bay’s outstanding amenities. Your days can unfold effortlessly, with everything just moments away. Enjoy rare convenience with the 27-hole Lewis-Azinger championship golf course (golf membership included with home ownership), a spectacular resort-style pool with a full-service Cabana restaurant, the reimagined Grille Room at the Clubhouse, a state-of-the-art fitness center, tennis, pickleball, bocce courts, miles of walking and biking paths, and a full schedule of social events, fitness classes, and community activities.
Whether you’re heading out for an early tee time, meeting friends for lunch at the Grille Room, or taking an evening dip in the resort pool or your own pool and spa, everything is right at your fingertips, no driving needed, no hassle, just pure ease of living.
This home offers more than a place to live; it delivers the complete Naples, Florida golf and country club lifestyle, wrapped in comfort, convenience, and beautifully updated features, all in one of the community’s most sought-after locations

Features

  • Amenities: Bike And Jog Path,Billiards,Bocce Court,Cabana,Clubhouse,Community Pool,Community Room,Community Spa/Hot tub,Fishing Pier,Golf Course,Internet Access,Library,Pickleball,Putting Green,Restaurant,Sauna,Sidewalk,Streetlight,Tennis Court,Underground Utility
  • Bedrooms: 4
  • Baths: 2 full
  • Style: 1 Story/Ranch
  • Development: HERITAGE BAY
  • Year Built: 2006
  • Garage: 2.00 Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 2,273
  • Acreage: 0.16
  • Est. Taxes: $6,816
  • HOA Fee: $475 Quarterly
  • Master HOA Fee: $10,216
  • Lot Desc: Regular
  • View: Golf Course,Lake
  • Community Type: Gated,Golf Course,Tennis
  • Elem. School: BEAR CREEK ELEMENTARY SCHOOL
  • Middle School: OAKRIDGE MIDDLE SCHOOL
  • High School: GULF COAST HIGH SCHOOL
  • Private Pool: Yes
  • Pet Policy: Limits
  • MLS#: 225079201
  • Website: https://www.raveis.com
    /eprop/225079201/10228gatorbayct_naples_fl?source=qrflyer
Courtesy of

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Cynthia BazzanoLuxury Properties Specialist

860.869.2300

Cynthia.Bazzano@Raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Jennifer CarretoVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 829975

860.990.4029

Jennifer.Carreto@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

Alex FerroInsurance Sales Director, William Raveis Insurance

203.610.1536

Alex.Ferro@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

10228 Gator Bay CT, Naples, FL, 34120

$1,000,000

Cynthia Bazzano

Luxury Properties Specialist

William Raveis Real Estate

Phone: 860.869.2300

Cynthia.Bazzano@Raveis.com

Jennifer Carreto

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 860.990.4029

Jennifer.Carreto@raveis.com

NMLS Mortgage Loan Originator ID 829975

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $800,000 $800,000 $800,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.154% 6.133% 5.846%
Monthly Tax Payment $568 $568 $568
H/O Insurance Payment TBD TBD TBD
Initial Principal & Interest Pmt $4,542 $4,796 $6,590
Total Monthly Payment $5,202 $5,364 $7,158

* 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.