2499 10th ST N, Naples, FL, 34103 | $1,700,000

Rare in Naples: a home where flood insurance isn't just waived—it's structurally irrelevant. Built in 2016 and sitting in an X Flood Zone with a first floor elevated at 13 feet, this custom five-bedroom home delivers something that's increasingly hard to find in Southwest Florida: genuine, engineered peace of mind. It has never flooded—not during Ian, not during any storm—and with a first floor at 13', it's built well above the threshold that makes that confidence meaningful.
The home itself feels brand new. A just-completed full interior repaint freshens a space already defined by warm wood floors, custom cabinetry, and quartz countertops throughout. The open-concept main level flows effortlessly from a chef's kitchen—anchored by a large quartz island and walk-in pantry—through the great room and dining area, making it equally suited for weekday living and weekend entertaining.
The floor plan offers real flexibility across five bedrooms. Three are on the main level, including a serene primary suite alongside two guest rooms. Upstairs, two additional bedrooms are privately tucked away—ideal for guest suites, a home office, gym, or media room. Step outside to the screened lanai or front porch to take in the Florida breeze, while the fully fenced backyard with mature landscaping offers both privacy and room for a future pool.
A recently replaced roof adds another layer of long-term value to an already low-maintenance package. And the location delivers: walkable to Naples High School, restaurants, and shopping, with beaches and downtown just minutes away.
Seller financing is a possibility! —schedule your private showing today.

Features

  • Amenities: Internet Access
  • Bedrooms: 5
  • Baths: 3 full
  • Style: 2 Story
  • Development: NAPLES TERRACE
  • Year Built: 2016
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 2,497
  • Acreage: 0.23
  • Est. Taxes: $6,625
  • Lot Desc: Regular
  • View: Landscaped Area,Privacy Wall
  • Community Type: Non-Gated
  • Elem. School: LAKE PARK ELEMENTARY
  • Middle School: GULFVIEW MIDDLE
  • High School: NAPLES HIGH SCHOOL
  • Pet Policy: No Approval Needed
  • MLS#: 225080795
  • Website: https://www.raveis.com
    /eprop/225080795/249910thstn_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 COMPASS FLORIDA LLC

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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
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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

2499 10th ST N, Naples, FL, 34103

$1,700,000

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 $1,360,000 $1,360,000 $1,360,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.375% 6.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.399% 6.475% 6.309%
Monthly Tax Payment $552 $552 $552
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $8,264 $8,485 $11,569
Total Monthly Payment $8,941 $9,162 $12,246

* 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.