689 Vintage Reserve CIR, Naples, FL, 34119 | $639,900

Welcome to 689 Vintage Reserve Circle #15-D, an exceptional second-floor residence offering expansive long water views and direct golf course frontage overlooking the third green of the recently renovated North Course in the prestigious Vineyards community of Naples.
This light-filled home enjoys an elevated vantage point that maximizes privacy while showcasing serene water views and manicured fairways. The North Course has been thoughtfully redesigned by Kip Schulties, delivering a modernized playing experience that blends strategic design with natural beauty—making this view both visually striking and highly desirable.
The residence features a functional, open layout ideal for both full-time living and seasonal enjoyment. From morning coffee to sunset evenings, the backdrop of water, golf, and lush landscaping creates a calm, resort-style atmosphere.
The house has been completly re-pipied throughout with PEX. Additionally, a limited number of golf memberships are currently available with no waitlist, a rare and compelling advantage for buyers seeking immediate access to one of Naples’ premier golf lifestyles.
Located within The Vineyards, residents enjoy an established, amenity-rich environment known for championship golf, tennis, walking and biking paths, optional country club membership, and close proximity to world-class dining, shopping, beaches, and medical facilities.
This property presents a rare opportunity to secure a renovated-course golf view, second-floor residence with immediate membership availability in one of Naples’ most respected communities.

Features

  • Building Design: Low Rise (1-3)
  • Parking: Driveway Paved
  • Heating: Central Electric
  • Cooling: Central Electric
  • Levels: 1
  • Amenities: Bike And Jog Path,Bocce Court,Cabana,Clubhouse,Community Pool,Community Room,Community Spa/Hot tub,Exercise Room,Fitness Center Attended,Internet Access,Lap Pool,Pickleball,Private Membership,Putting Green,Restaurant,Sidewalk,Streetlight,Tennis Court,Underground Utility
  • Bedrooms: 3
  • Baths: 3 full
  • Complex: VINTAGE RESERVE
  • Development: VINEYARDS
  • Year Built: 1998
  • Approx Sq. Feet: 2,498
  • Est. Taxes: $4,981
  • Master HOA Fee: $2,300
  • Lot Desc: Zero Lot Line
  • View: Golf Course,Lake
  • Community Type: Gated
  • Water Front: Yes
  • Pet Policy: Limits
  • MLS#: 226002341
  • Website: https://www.raveis.com
    /prop/226002341/689vintagereservecir_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 Call It Closed Intl Realty

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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
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689 Vintage Reserve CIR, Naples, FL, 34119

$639,900

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $511,920 $511,920 $511,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.161% 6.292% 5.609%
Monthly Tax Payment $415 $415 $415
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,867 $3,110 $4,149
Total Monthly Payment $3,374 $3,617 $4,656

* 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.