4038 NORTHLIGHT DRIVE UNIT 1506, NAPLES, FL, 34112
Active23 days on marketListed Aug 28, 2026MLS #TB8542303
About this home
4038 NORTHLIGHT DRIVE UNIT 1506
Lake views, an easy second-floor setting, and one of Naples' most convenient in-town locations come together in this well-kept 2-bedroom, 2-bath condo in Naples Winterpark IV. Wake up to water views over the community lake, then step out to a screened porch built for morning coffee and Southwest Florida evenings. Inside you will find a bright split-bedroom floor plan, a full appliance package, ceiling fans throughout, and a comfortable dining-living layout that lives larger than its footprint. The community delivers real lifestyle value. Ownership includes membership in the Winterpark Tennis and Pool Club, so the community pool and tennis are part of the package, along with a bike-path easement for easy strolls and rides. The quarterly association fee covers cable, insurance, grounds and landscaping, exterior and building maintenance, a pest and termite program, roof reserves, professional management, and trash, which makes for genuinely simple, lock-and-leave ownership. Location is the standout. You are roughly two miles from Celebration Park and the Bayshore Arts District, under three miles from downtown Naples, 5th Avenue South, and historic Tin City, and about three and a half miles from the Naples Botanical Garden. Everyday errands are effortless with a Publix under two miles away, and the beaches, dining, galleries, and boutiques that make Naples famous are all within a short drive. A practical note buyers appreciate in today's market: this is a two-story building, so it is not subject to Florida's milestone inspection or structural integrity reserve study mandates, which apply to buildings three stories and taller. That means fewer of the structural-assessment unknowns weighing on many condo purchases right now. Whether you are looking for a seasonal retreat, a smart Naples investment, or an easy year-round home close to everything, this lake-view residence is ready for its next owner.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,234
Sqft
0 ac
Lot size
1986
Year built
One
Levels
$203
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,549 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,549/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−11.6%
$/sqft vs Naples actives
$203 vs $318
Days on market
23 vs 20 typical
Where $203/sqft sits among the 31 Naples actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Naples
Get to know Naples. See the full Naples guide →
NAPLES 34112 — neighborhood snapshot
Population
25,946
Median age
64.1
Median income
$68,838
Median home value
$293,000
Avg household
1.9
Households w/ children
1,136
For the school run
Collier County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Naples market
$535K → $568K
Naples median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
11 of 31
Naples actives have cut their price
Median sold price, Naples, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the NAPLES 34112 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 4038 NORTHLIGHT DRIVE UNIT 1506
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$270,000
3119 BOCA CIEGA DRIVE UNIT B8
2 bd · 2 ba · 1,182 sqft · $228/sqft · 176 DOM
Sold · Dec ’25$529,900
915 CARDINAL STREET
3 bd · 2 ba · 1,588 sqft · $334/sqft · 8 DOM
Sold · Mar ’26$155,500
1014 PINE ISLE LANE UNIT 1014
1 bd · 1 ba · 653 sqft · $238/sqft · 7 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4038 NORTHLIGHT DRIVE UNIT 1506 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4038 NORTHLIGHT DRIVE UNIT 1506 — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4038 NORTHLIGHT DRIVE UNIT 1506 FAQs
What would the monthly payment be for 4038 NORTHLIGHT DRIVE UNIT 1506?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,549/mo — principal and interest, the actual property-tax bill, the $617/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4038 NORTHLIGHT DRIVE UNIT 1506?+
The association fee works out to $617 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4038 NORTHLIGHT DRIVE UNIT 1506?+
The most recent tax bill on record (2025) was $2,279. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4038 NORTHLIGHT DRIVE UNIT 1506?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Naples?+
At $249,900, this home is listed about 53% below the Naples median of $529,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4038 NORTHLIGHT DRIVE UNIT 1506?+
Lely High School (high), Lely Elementary School (elementary), East Naples Middle School (middle) — Collier County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the NAPLES 34112 market on paper
$249,900 is 20% below the NAPLES 34112 median of $312,500, and at $203/sqft it sits under the Naples average of $348.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $617/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $259,900, now $249,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARZUCCO REAL ESTATE · DeShawn Robinson. MLS #TB8542303.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Naples homes, in your inbox
Like 4038 NORTHLIGHT DRIVE UNIT 1506 but not quite? A daily digest of every new listing in Naples — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →