2628 White Cedar LN, Naples, FL, 34109 | $895,000

This is the one you have been waiting for. A fully renovated 4 bedroom, 3 bath single story home in the gated community of The Orchards, set on a rare quarter acre pond view lot in the heart of North Naples. No pool to maintain. Just water views and total peace of mind.
Here is what makes it different: every major system is brand new and done right. New roof and a complete plumbing repipe, both permitted, inspected, and up to code. A brand new 5 ton Trane air conditioner with a 10 year transferable warranty. A newer water heater and a full repipe with no polybutylene. This is a 1995 home with brand new bones. You are buying peace of mind, not a project.
Step inside to soaring vaulted ceilings and a bright, open great room. The kitchen delivers with granite counters, a center island, stainless appliances including a new microwave and dishwasher, and pull outs in every lower cabinet. Fresh paint and new wide plank flooring run throughout. The primary suite is your private retreat with a spa style bath, dual vanities, a soaking tub, a separate walk in shower, and designer fixtures. A tray ceiling dining room, plantation shutters, and an elegant arched foyer finish the story.
Out back, your screened lanai overlooks a peaceful pond framed by fresh sod and mature royal palms, with room to add a pool.
Now the location. Gated Orchards on Vanderbilt Beach Road, about 12 minutes to Vanderbilt Beach and the Gulf, and minutes to Mercato, Waterside Shops, and I-75. All of it with one of the lowest HOA fees in Naples at roughly $545 a quarter, covering two community pools and spa, a remodeled clubhouse, fitness center, tennis, pickleball, bocce, basketball, and a playground.
The schools are elite: Pelican Marsh Elementary rated 9 out of 10 and top 5 percent in Florida, Pine Ridge Middle at 9 out of 10, and Barron Collier High. Naples was named the number one best place to live in America. And you are high and dry in an X flood zone, so no flood insurance required.
Here is the number that matters. A renovated home on this exact street right next door just closed for over $1. 16 million. This one is priced at roughly $368 per square foot. Homes in The Orchards do not last. Come see it before someone else calls it home.

Features

  • Amenities: Basketball,BBQ - Picnic,Bocce Court,Clubhouse,Community Park,Community Pool,Community Room,Community Spa/Hot Tub,Exercise Room,Internet Access,Pickleball,Play Area,Sidewalk,Streetlight,Tennis Court,Underground Utility
  • Bedrooms: 4
  • Baths: 3 full
  • Style: 1 Story/Ranch
  • Development: ORCHARDS
  • Year Built: 1995
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 2,433
  • Acreage: 0.25
  • Est. Taxes: $6,765
  • HOA Fee: $546 Quarterly
  • Lot Desc: Regular
  • View: Lake,Pond
  • Community Type: Gated
  • Water Front: Yes
  • Elem. School: PELICAN MARSH ELEMENTARY
  • Middle School: PINE RIDGE MIDDLE
  • High School: BARRON COLLIER HIGH
  • Pet Policy: No Approval Needed
  • MLS#: 226022126
  • Website: https://www.raveis.com
    /prop/226022126/2628whitecedarln_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 XCLUSIVE HOMES LLC

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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2628 White Cedar LN, Naples, FL, 34109

$895,000

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 $716,000 $716,000 $716,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.277% 6.223% 6.183%
Monthly Tax Payment $564 $564 $564
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,235 $4,350 $6,042
Total Monthly Payment $4,891 $5,006 $6,698

* 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.