4971 Rustic Oaks CIR, Naples, FL, 34105 | $1,367,000

Perfectly positioned in the premier, centrally located community of Banyan Woods, 4971 Rustic Circle offers quick access to shopping, dining, and Naples’ pristine beaches. This custom-built, original-owner residence showcases elevated finishes, thoughtful design, and pride of ownership throughout. The home welcomes you with an oversized governor’s driveway, abundant guest parking, and lush, mature landscaping. Inside, freshly painted interiors and neutral ceramic tile set a bright, inviting tone, enhanced by excellent natural light and multiple sliders in both the living and family rooms. This true four-bedroom plus den floor plan features a spacious office overlooking the front gardens and an oversized two-car garage with an additional air-conditioned office, studio, or workspace and extra storage. The oversized kitchen offers generous countertops, tiled backsplash, walk-in pantry, neutral wood cabinetry, a sunny breakfast nook with mitered picture windows, and a large breakfast bar for casual dining. Three guest suites are thoughtfully split from the owner’s suite, with rooms large enough for king beds, double closets, and abundant natural light. The private owner’s wing includes a sitting area, dual closets, and a spa-inspired en-suite bath with walk-in shower, soaking tub, dual vanities, linen storage, and private water closet. Notable upgrades include a 23kw generator, interior paint in 2025, exterior paint in 2024, hot water tank in 2024, dishwasher in 2023, pool filter housing in 2026, electric storm shutters, and a covered lanai with summer kitchen and built-in grill. Banyan Woods is a gated community offering a clubhouse, fitness center, basketball court, dog park, playground, sidewalks, and beautifully maintained mature landscaping.

Features

  • Amenities: Basketball,Community Room,Dog Park,Exercise Room,Internet Access,Play Area,See Remarks,Sidewalk,Streetlight,Underground Utility
  • Rooms: 11
  • Bedrooms: 4
  • Baths: 3 full
  • Style: 1 Story/Ranch,Florida
  • Development: BANYAN WOODS
  • Year Built: 2005
  • Garage: 2.00 Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 3,300
  • Acreage: 0.27
  • Est. Taxes: $6,229
  • Master HOA Fee: $945
  • Lot Desc: Regular
  • View: Lake,Landscaped Area
  • Community Type: Gated
  • Water Front: Yes
  • Elem. School: OSCEOLA ELEMENTARY SCHOOL
  • Middle School: PINE RIDGE MIDDLE SCHOOL
  • High School: BARRON COLLIER HIGH SCHOOL
  • Private Pool: Yes
  • Pet Policy: Limits
  • MLS#: 226000846
  • Website: https://www.raveis.com
    /eprop/226000846/4971rusticoakscir_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

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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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4971 Rustic Oaks CIR, Naples, FL, 34105

$1,367,000

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 $1,093,600 $1,093,600 $1,093,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.214% 6.145% 5.846%
Monthly Tax Payment $519 $519 $519
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,295 $6,557 $9,008
Total Monthly Payment $6,939 $7,201 $9,652

* 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.