11974 Gardenia AVE, Naples, FL, 34120 | $1,100,000

This amazing upgraded Pearl 504 model in Valencia Trails offers quality finishes, a great layout, and a beautiful lake view—all just a short distance to the amenity center. With over $258, 000 in builder upgrades, the home is move-in ready.
The kitchen is open and well-designed, featuring GE Profile stainless steel appliances, including a French-door refrigerator, gas cooktop, convection oven/microwave, dishwasher, and beverage center. It also includes quartz countertops and backsplash, upgraded cabinetry with soft-close drawers, a large pantry, and a vented hood. A reverse osmosis system provides filtered drinking water.
Wide-plank engineered hardwood flooring runs through the main living areas, den, and primary bedroom. The primary bath includes a soaking tub, frameless glass shower, and dual sinks. The guest bathrooms are also nicely finished with upgraded tile and fixtures.
The outdoor area features a custom heated spool (pool and spa combination) with built-in seating, jets, lighting, and a full screen enclosure. It’s perfectly positioned to enjoy the peaceful lake view and is especially nice to use in the evenings when the community amenities are closed.
Additional features include impact windows and doors, solid-core interior doors, an extended 2-car garage, a paver driveway, a Tesla charging station, a water softener, and wiring for modern technology.
Valencia Trails is a 55+ community with a clubhouse, pools, fitness center, tennis and pickleball courts, restaurant, and a full calendar of activities. It’s conveniently located near shopping, dining, and the beaches.

Features

  • Amenities: Beauty Salon,Clubhouse,Community Pool,Community Spa/Hot Tub,Dog Park,Electric Vehicle Charging,Fitness Center Attended,Full Service Spa,Hobby Room,Internet Access,Lap Pool,Pickleball,Restaurant,Sidewalk,Theater,Underground Utility
  • Bedrooms: 3
  • Baths: 3 full
  • Style: 1 Story/Ranch,Contemporary
  • Development: VALENCIA TRAILS
  • Year Built: 2023
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric,Gas - Natural
  • Approx Sq. Feet: 2,470
  • Est. Taxes: $6,725
  • Master HOA Fee: $1,611
  • Lot Desc: Regular
  • View: Lake
  • Community Type: Gated,Tennis
  • Water Front: Yes
  • Pet Policy: Limits
  • MLS#: 226016218
  • Website: https://www.raveis.com
    /eprop/226016218/11974gardeniaave_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
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Our Insurance Division:

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11974 Gardenia AVE, Naples, FL, 34120

$1,100,000

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 $880,000 $880,000 $880,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.121% 6.183%
Monthly Tax Payment $560 $560 $560
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,135 $5,276 $7,426
Total Monthly Payment $5,820 $5,961 $8,111

* 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.