3023 Horizon LN, Naples, FL, 34109 | $319,000

Rarely does a first-floor residence offer this exceptional combination of convenience, location, and lifestyle. Welcome to this beautifully maintained 2-bedroom, 2-bath condominium with GARAGE in the highly sought-after gated community of Bridgewater Bay. Offering a light and bright open floor plan with a detached one-car garage AND an assigned parking space, this residence features the convenience of no stairs and is ideally located in the preferred X Flood Zone, where flood insurance is generally not required by lenders. A newer roof, just three years young, provides added peace of mind. The desirable split-bedroom floor plan includes a spacious kitchen with a raised breakfast bar and a charming eat-in breakfast nook, creating the perfect space for casual dining and entertaining. Luxury vinyl plank and tile flooring extend throughout the home—there's no carpet to maintain—while plantation shutters add timeless style and elegance. Relax on the screened lanai while enjoying peaceful lake and fountain views, complete with convenient roll-down storm shutters for added protection and peace of mind. The detached garage provides secure parking along with valuable additional storage for bikes, beach gear, golf clubs, and seasonal items.
Bridgewater Bay is one of North Naples' most desirable gated communities, offering an exceptional resort-style lifestyle. Residents enjoy a beautiful clubhouse with a newly renovated social room, billiards, sauna and steam rooms, a fitness center, resort-style pool and spa, screened lap pool, tennis, pickleball, bocce, basketball, fishing pier, children's play area, and a full calendar of social activities. Ideally located just minutes from Naples' world-famous beaches, Mercato, Waterside Shops, fine dining, shopping, golf, and top-rated schools, this home offers the perfect combination of comfort, convenience, and the Southwest Florida lifestyle buyers dream about.

Features

  • Building Design: Low Rise (1-3)
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Levels: 1
  • Amenities: Basketball,Billiards,Bocce Court,Clubhouse,Community Pool,Community Room,Community Spa/Hot Tub,Exercise Room,Lap Pool,Streetlight,Tennis Court,Underground Utility
  • Bedrooms: 2
  • Baths: 2 full
  • Complex: RUM BAY
  • Development: BRIDGEWATER BAY
  • Year Built: 2002
  • Approx Sq. Feet: 1,248
  • Est. Taxes: $1,358
  • Condo Fee: $1,230 Quarterly
  • Master HOA Fee: $1,330
  • Lot Desc: Zero Lot Line
  • View: Lake,Water,Water Feature
  • Community Type: Gated
  • Water Front: Yes
  • Elem. School: OSCEOLA ELEMENTARY SCHOOL
  • Middle School: PINE RIDGE MIDDLE SCHOOL
  • High School: BARRON COLLIER HIGH SCHOOL
  • Pet Policy: Limits
  • MLS#: 226021766
  • Website: https://www.raveis.com
    /prop/226021766/3023horizonln_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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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3023 Horizon LN, Naples, FL, 34109

$319,000

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 $255,200 $255,200 $255,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.230% 6.512% 5.866%
Monthly Tax Payment $113 $113 $113
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,510 $1,592 $2,102
Total Monthly Payment $1,698 $1,780 $2,290

* 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.