8037 Vera Cruz WAY, Naples, FL, 34109 | $2,795,000

This sparkling Monterey gem is perched upon one of the desired lakefront lots within the community. This impeccably renovated residence offers a rare blend of privacy, panoramic water views and refined design. On a quiet cul-de-sac street with desirable southwestern exposure, the home is bathed in natural light throughout the day and delivers breathtaking sunset vistas each evening. Designed for the discerning buyer seeking a move-in-ready luxury home in Naples, this residence features a spacious great room layout complemented by climate-controlled three-car garage, full-house generator and three beautifully appointed full baths. The chef’s kitchen has been thoughtfully reimagined with premium finishes and appliances, including striking 4-inch quartzite counters, exquisite marble honed mosaic tile, large center island, a Sub-Zero refrigerator, built-in wine cooler and two beverage cooler drawers, Induction cooktop, and double wall ovens. Custom lighting and sparkling porcelain tile flooring elevate the home’s modern, cohesive feel. The primary suite is a private retreat, offering lanai access through elegant French doors, a generous walk-in closet, and a spa-inspired bath featuring a large walk-in shower, designer quartz surfaces and a luxury integrated bidet system with heated seating. The expansive lanai has been upgraded with natural stone pavers and a panoramic picture-frame screen enclosure, creating an uninterrupted connection to the tranquil lake beyond. Full hurricane protection, including Storm Smart Kevlar screens on the lanai, hurricane rated garage doors and a 1, 000-gallon buried propane tank supporting the whole-home generator, provides peace of mind year-round. Recent upgrades include a 2017 roof, dual HVAC systems (2022), water heater (2024), and generator (2018), ensuring modern efficiency and reliability. Residents of Monterey enjoy a premier lifestyle just minutes, less than three miles, from the white sand beaches of Naples, as well as upscale dining and shopping at Mercato and Waterside Shops. Community amenities include a 24-hour guard-gated entrance, renovated clubhouse, state-of-the-art fitness center, heated lap pool, Har-Tru tennis courts with professional instruction, pickleball and more. The fabulous location, combined with a full amenity package and lower HOA fees, ensures Monterey stays one of the desirable communities in all of Naples. Within an A-rated school district and near top private institutions, this property represents an exceptional opportunity to own a renovated luxury lakefront home in Naples with modern upgrades, resort-style amenities and premier location.

Features

  • Amenities: Basketball,BBQ - Picnic,Billiards,Cabana,Clubhouse,Community Pool,Community Room,Exercise Room,Internet Access,Lap Pool,Pickleball,Play Area,Sidewalk,Streetlight,Tennis Court,Underground Utility
  • Bedrooms: 4
  • Baths: 3 full
  • Style: 1 Story/Ranch
  • Development: MONTEREY
  • Year Built: 1998
  • Garage: 3-car Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Approx Sq. Feet: 3,000
  • Est. Taxes: $13,728
  • HOA Fee: $1,298 Quarterly
  • Lot Desc: Irregular Shape
  • View: Lake
  • Community Type: Gated,Tennis
  • Water Front: Yes
  • Elem. School: PELICAN MARSH
  • Middle School: PINE RIDGE
  • High School: BARRON COLLIER
  • Private Pool: Yes
  • Pet Policy: No Approval Needed
  • MLS#: 226017758
  • Website: https://www.raveis.com
    /eprop/226017758/8037veracruzway_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 Premier Sotheby's Int'l 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

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8037 Vera Cruz WAY, Naples, FL, 34109

$2,795,000

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 $2,236,000 $2,236,000 $2,236,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $1,144 $1,144 $1,144
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $13,406 $13,767 $18,869
Total Monthly Payment $14,675 $15,036 $20,138

* 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.