219 Monterey DR, Naples, FL, 34119 | $1,175,000

One or more photo(s) has been virtually staged, AI generated or rendered. Welcome to 219 Monterey Drive, an exceptional opportunity in the highly sought-after Valley Oak community within the prestigious Vineyards in Naples. Built in 1988, this 3-bedroom, 2-bath residence offers a spacious and functional floor plan including a great room, formal dining room, kitchen with dinette, inviting foyer, and covered entry. The home also features a large primary suite with a walk-in closet and private bath, barrel tile roof and AC system (2. 5 years), along with a covered, screened lanai that showcases beautiful, tranquil lake views.
Set within one of North Naples’ most established and desirable neighborhoods, Valley Oak is known for its generous homesites, mature landscaping, and serene waterfront settings. This property presents a rare chance to own in a premier location and customize to your vision. With solid bones and original condition, it is ready move-in ready with a little updating, or a full remodel, offering endless potential to design and create a home tailored to your vision in this exceptional setting.
The sweeping lake views from the rear of the home create a truly standout setting, offering a sense of peace and privacy that is rarely found. This exceptional backdrop elevates the property, making it a premium homesite within the community.
Residents of the Vineyards have access to optional membership at Vineyards Country Club, offering golf, tennis, pickleball, dining, and a wellness center.
Ideally located just minutes from Naples’ world-renowned beaches, with convenient access to I-75, Publix, and some of the area’s most popular shopping and dining destinations. Opportunities like this—combining location, views, and potential—are increasingly rare in Valley Oak. Whether you are looking to renovate, invest, or create your dream home in one of Naples’ most prestigious communities, 219 Monterey Drive is ready for its next chapter.

Features

  • Amenities: Bike And Jog Path,Clubhouse
  • Bedrooms: 3
  • Baths: 2 full
  • Style: Contemporary,See Remarks
  • Development: VINEYARDS
  • Year Built: 1988
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 2,329
  • Acreage: 0.37
  • Est. Taxes: $10,886
  • HOA Fee: $760 Quarterly
  • Lot Desc: Regular
  • View: Lake
  • Community Type: Golf Course
  • Water Front: Yes
  • Pet Policy: No Approval Needed
  • MLS#: 226015075
  • Website: https://www.raveis.com
    /eprop/226015075/219montereydr_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 MARZUCCO REAL ESTATE

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888.699.8876

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

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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

219 Monterey DR, Naples, FL, 34119

$1,175,000

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 $940,000 $940,000 $940,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.235% 6.164%
Monthly Tax Payment $907 $907 $907
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,486 $5,712 $7,932
Total Monthly Payment $6,518 $6,744 $8,964

* 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.