2499 River Reach DR, Naples, FL, 34104 | $639,000

Welcome to 2499 River Reach Drive in beautiful Naples, Florida — 3-bedroom, 2-bath single-family home in the highly desirable River Reach community, just minutes from Downtown Naples, 5th Avenue South, Tin City, Naples beaches, and the Gulf of Mexico. Seller will pay for 1 year Home Warranty- all appliances and major parts covered.
Perfectly positioned in one of the best locations in Naples, this move-in-ready home offers the ideal blend of lifestyle, investment potential, and everyday comfort. Featuring approximately 1, 559 square feet under air, this light-filled residence showcases vaulted ceilings, an open-concept floor plan, spacious living areas, tile flooring, and a beautifully maintained interior designed for effortless Florida living.
The spacious kitchen opens seamlessly to the main living and dining areas, creating an ideal space for entertaining family and guests. The primary suite features a walk-in closet and peaceful backyard views, while the split-bedroom floor plan provides privacy and flexibility for full-time residents, seasonal owners, or vacation rental guests.
Step outside to your private screened lanai and tropical backyard oasis surrounded by mature landscaping and a stunning Royal Poinciana tree — perfect for enjoying Naples sunsets, morning coffee, or relaxing outdoor gatherings year-round.
One of the most unique features of this property is the optional Gulf access available through nearby Coconut River Estates Association, offering a private boat ramp and kayak launch with direct access to the Gordon River and Gulf waters. Boating enthusiasts, kayakers, anglers, and nature lovers will appreciate the opportunity to enjoy the Southwest Florida waterfront lifestyle without paying waterfront taxes.
Located in a quiet, established neighborhood with low HOA fees of only approximately $45/month and NO rental restrictions, this property presents an exceptional investment opportunity for short-term rentals, seasonal rentals, Airbnb income potential, or full-time Naples living.
Additional highlights include:
* Newer roof (2021)
* Concrete block construction
* 2-car attached garage
* Oversized driveway
* Community pool
* Mature tree-lined streets
* Excellent school district
* Close proximity to I-75, shopping, dining, golf courses, parks, and entertainment
Whether you are searching for a Naples investment property, seasonal retreat, vacation home, or full-time Florida residence, 2499 River Reach Drive delivers unbeatable value, location, flexibility, and lifestyle in the heart of Naples.
Experience the best of Southwest Florida living just minutes from world-famous white sand beaches, luxury shopping, waterfront dining, boating, golf, and everything that makes Naples one of Florida’s most sought-after destinations.

Features

  • Amenities: Bike And Jog Path,Bike Storage,Community Boat Ramp,Community Gulf Boat Access,Pickleball
  • Bedrooms: 3
  • Baths: 2 full
  • Style: 1 Story/Ranch
  • Development: RIVER REACH
  • Year Built: 1989
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Air Purifier,Ceiling Fans,Central Electric
  • Approx Sq. Feet: 1,559
  • Acreage: 0.24
  • Est. Taxes: $5,769
  • HOA Fee: $400 Annually
  • Master HOA Fee: $515
  • Lot Desc: Regular
  • View: None/Other
  • Community Type: Non-Gated
  • Boat Access: Boat Ramp
  • Pet Policy: No Approval Needed
  • MLS#: 226021130
  • Website: https://www.raveis.com
    /prop/226021130/2499riverreachdr_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 Berkshire Hathaway FL 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:

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2499 River Reach DR, Naples, FL, 34104

$639,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $511,200 $511,200 $511,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.500% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.230% 6.650% 5.866%
Monthly Tax Payment $481 $481 $481
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,106 $3,231 $4,211
Total Monthly Payment $3,679 $3,804 $4,784

* 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.