Naples, Florida
Buy a home in Pine Ridge Estates, Naples, with the record in hand: county sales by class and plat, the tax reset, covenants and zoning by parcel, septic, well and flood checks and closing costs, from McGreevy and Comisar.
By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated November 2026 · County figures from Collier County Property Appraiser qualified sales recorded through October 16, 2026; MLS figures from a Southwest Florida MLS (Matrix) export of October 29, 2026
Buying a home in Pine Ridge Estates, Naples means buying land first: an acre-plus lot on a public, ungated street between Tamiami Trail North and Goodlette-Frank Road in unincorporated Collier County, with no homeowners association, no mandatory assessment, three recorded declarations of covenants and, on most lots, a septic system and a private well. Our Pine Ridge Estates community guide covers the plats, the history and the street-by-street detail in full. This page covers what a Pine Ridge Estates buyer pays, signs, checks and asks before an offer in Naples.
Pine Ridge Estates is 550 estate parcels on four recorded plats: Pine Ridge (1954), the Re-subdivision of Blocks E to H, Pine Ridge Extension (1957) and Pine Ridge Second Extension (1971). The county roll carries 488 single-family homes, 40 vacant residential lots and 22 other parcels. There are no condominiums, villas or attached homes inside Pine Ridge Estates. The attached homes of Pelican Ridge sit on a separate replat, are a separate community and are not in any figure on this page.
The short version: Collier County recorded 22 qualified existing-home resales in Pine Ridge Estates from October 17, 2025 to October 16, 2026 at a $4,975,000 median, from $1,606,200 to $12,500,000, plus 2 new-construction sales and 4 vacant land sales. The Southwest Florida MLS (Matrix) export of October 29, 2026, a different record and window, showed 24 active listings at a $6,695,000 median list price. Selling first? Read our guide to selling a Pine Ridge Estates home, or call Jesse direct at (239) 898-6072. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008, and you can call Marc at (239) 287-5873 before you walk a single lot.
McGreevy and Comisar represent Pine Ridge Estates buyers from the land forward: the parcel’s zoning tier, the covenants for its plat, the flood zone for the exact lot, the septic and well records, the tax bill you will receive and the matching recorded sales, all read before an offer. We are the #5 real estate team in Florida (RealTrends 2026).
With our Domain Realty Group team we have sold over $2.5 billion in real estate, and McGreevy and Comisar alone have over $900 million in sales. Those are career totals. For this page we tracked the 28 qualified Pine Ridge Estates sales Collier County recorded over the last 12 months, every one by sale class and plat, and the 33 closings in the Southwest Florida MLS (Matrix) export of October 29, 2026, before writing a single figure. Comparing agents across the city? Start with our guide to the best real estate agents in Naples, then book your Pine Ridge Estates buyer consultation or call Marc at (239) 287-5873.
Honors and recognition:
Before you tour, we agree on what you are buying: an existing home you will live in, an older house you may rebuild, or a vacant lot. Then we agree on the plat, the zoning tier, the flood zone you will accept and the yearly cost you will carry. We pull the active Pine Ridge Estates listings, the county sales that match them by class, and the covenant, flood, septic and well records for each property you like, then write the offer with review periods long enough for a title search, a survey and the utility checks. Call Marc at (239) 287-5873.
Pine Ridge Estates is a land market: our guide found land at 73.3 percent of total just value at the median on the 2026 certified roll. That is why a 1970s ranch and a new estate sit side by side, and why we search by lot, plat and zoning first.
These are the facts a Pine Ridge Estates buyer needs in November 2026, each from the Collier County record, the Southwest Florida MLS (Matrix) export of October 29, 2026, the recorded declarations, FEMA or Florida law, and each explained below with its record and window named.
Buying in Pine Ridge Estates right now means choosing among the 24 properties the Southwest Florida MLS (Matrix) showed active on October 29, 2026, at a $6,695,000 median list price, against 33 closings over the prior 12 months at a $4,500,000 median. That works out to roughly 8.7 months of supply (our arithmetic).
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix export of October 29, 2026, labelled as such.
The MLS figures below come from one dated export: closings in the 12 months to October 29, 2026, plus the listings active on that day. The county figures in the next section are a different record (qualified deeds) over a different window (October 17, 2025 to October 16, 2026). The two are never blended, and one count is never divided into the other.
| Measure (Southwest Florida MLS (Matrix), export of October 29, 2026) | Value |
|---|---|
| Closed sales | 33 |
| Median sold price | $4,500,000 |
| Mean sold price | $5,355,640 |
| Sold price range | $1,300,000 to $13,000,000 |
| Total dollar volume | $176,736,105 |
| Median days on market | 102 (n = 32; one closing carries no days-on-market entry) |
| Mean days on market | 159 |
| Median sale to LAST list price | 92.65% (range 80.35% to 100.00%) |
| Measure (Southwest Florida MLS (Matrix), export of October 29, 2026) | Value |
|---|---|
| Active listings (4 more pending) | 24 |
| Median list price | $6,695,000 |
| List price range | $2,700,000 to $14,800,000 |
| Total list volume | $176,660,000 |
| Median days on market of the actives | 113.5 |
| Months of supply | roughly 8.7, our arithmetic (24 actives against 33 closings over 12 months, 2.75 a month) |
On that export, the median active list price of $6,695,000 sat at roughly one and a half times the $4,500,000 median closed price. Read that carefully: it compares what was being asked on one day with what was paid over a year, on different properties. It is still a real asymmetry, and it fits a 92.65 percent median sale to last list price and a 102-day median on market. The ratio is measured against the LAST list price, after any reductions, not the first ask.
A Pine Ridge Estates purchase is one of three things: an existing home, an older house bought for its land, or a vacant lot. Collier County recorded 22 existing-home resales at a $4,975,000 median and 4 vacant land sales at a $3,372,500 median in the 12 months to October 16, 2026. Compare each class only with its own kind.
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix export of October 29, 2026, labelled as such.
Sale classes here come from each parcel’s current county roll record. A sale recorded before the current house’s year built was a land or teardown purchase; a sale within a year of the year built was a new-construction sale; a sale of a parcel with no house is vacant land; everything else is an existing-home resale. A land price, a teardown price and a new-construction price are never resale comparables for a finished home, and a community median is not a value for any one property.
| Class (Collier County Property Appraiser, qualified sales) | 12 months to Oct 16, 2026 | 24 months to Oct 16, 2026 | 60 months to Oct 16, 2026 |
|---|---|---|---|
| Existing-home resale | 22 at a $4,975,000 median ($1,606,200 to $12,500,000) | 28 at a $4,975,000 median ($1,606,200 to $12,500,000) | 56 at a $4,850,000 median ($1,175,000 to $14,000,000) |
| New-construction sale | 2: $7,400,000 and $8,000,000 | 13 at a $9,000,000 median ($6,700,000 to $15,676,000) | 32 at an $8,598,000 median ($4,000,000 to $15,676,000) |
| Land or teardown purchase (bought before the current house was built) | 0 | 0 | 18 at a $3,250,000 median ($1,750,000 to $7,050,000) |
| Vacant land sale | 4 at a $3,372,500 median ($1,650,000 to $4,400,000) | 10 at a $3,097,500 median ($1,650,000 to $8,000,000) | 20 at a $3,125,000 median ($1,550,000 to $8,000,000) |
| All classes | 28 at a $4,450,000 median | 51 at a $5,750,000 median | 126 at a $4,525,000 median |
| Plat | 12 months to Oct 16, 2026 | 24 months to Oct 16, 2026 | 60 months to Oct 16, 2026 |
|---|---|---|---|
| Pine Ridge (1954 plat) | 6 at a $3,675,000 median ($1,606,200 to $12,500,000) | 6 at a $3,675,000 median | 11 at a $4,100,000 median ($1,175,000 to $12,500,000) |
| Pine Ridge Extension (1957) | 11 at a $4,350,000 median ($3,000,000 to $7,969,000) | 15 at a $4,350,000 median ($3,000,000 to $11,925,000) | 25 at a $5,100,000 median ($1,900,000 to $12,150,000) |
| Pine Ridge Second Extension (1971) | 3 at a $6,500,000 median ($4,500,000 to $7,600,000) | 4 at a $6,625,000 median ($4,500,000 to $7,600,000) | 11 at a $6,375,000 median ($2,000,000 to $14,000,000) |
| Re-subdivision of Blocks E to H | 2: $5,675,000 and $9,500,000 | 3 at a $5,675,000 median ($3,900,000 to $9,500,000) | 9 at a $5,000,000 median ($2,205,000 to $10,400,000) |
Where a group has fewer than three sales, we print the sales, not a median.
The 22 resales of the last 12 months ran from a 1984 house on Trail Boulevard at $1,606,200 to a 2022 house on East Avenue at $12,500,000. By the county’s year built, 6 were built before 2000, 6 from 2000 to 2019 and 10 in 2020 or later (our count from the county list). Age, size, the lot and the plat all move the price, so we match a resale to resales on the same plat and of a similar age before an offer.
The county record shows how often a Pine Ridge Estates house has been bought and then replaced. In the 60 months to October 16, 2026, 18 qualified sales were land or teardown purchases, made before the current house was built, at a $3,250,000 median. None recorded in the last 24 months under that class; by its definition, a recent purchase only enters it once a new house carries a later year built on the roll. If you are buying to rebuild, the price you pay is a land price, and we compare it with land.
The four vacant land sales of the last 12 months were on Trail Boulevard (Re-subdivision of Blocks E to H) at $1,650,000 in December 2025, Cassena Road (Second Extension) at $4,400,000 in February 2026, East Avenue (1954 plat) at $3,300,000 in March 2026 and Hickory Road (Extension) at $3,445,000 in July 2026. The roll carries 40 vacant residential lots in all. Lot size, shape, frontage, flood zone, zoning tier and whether county water reaches the lot line all move a land price; we name those factors and do not price them with invented adjustments.
A Pine Ridge Estates owner pays county property tax at 9.3696 mills on the 2026 roll, a solid waste assessment of $269.77 per billed unit, insurance and utilities, and no homeowners association fee, community development district assessment or club dues. The largest surprise is the tax bill, because it resets to market value after you buy.
| Layer | Certified 2026 roll | Who sets it |
|---|---|---|
| County millage | 3.8969 mills, including 0.6844 for the Unincorporated Area General Fund | Collier County Board of County Commissioners |
| School millage | 4.1470 mills | District School Board of Collier County |
| Municipal millage | 0.0000, because Pine Ridge Estates is not in the City of Naples | No city levies here |
| Independent districts | 1.3257 mills: North Collier Fire, South Florida Water Management District, Big Cypress Basin and Collier Mosquito Control | Each district |
| Total | 9.3696 mills, $936.96 per $100,000 of taxable value | |
| Solid waste | $269.77 per billed unit on the 2026 certified roll ($261.91 was the FY2026 rate) | Collier County |
| HOA, CDD, MSTU, club | None | Not applicable |
The 9.3696 figure is the millage on the certified 2026 roll (Collier County Property Appraiser, October 27, 2026) for all 550 parcels on the four estate plats; the bill for the parcel you are buying, mailed October 31, 2026, applies it to that parcel’s own taxable value.
Florida’s corporate register carries no homeowners association, property owners association, club or master association for Pine Ridge Estates. Nothing on a Pine Ridge Estates tax bill or closing statement compels a community payment. Coming from a gated Naples community, that removes a column of yearly cost, and also the gate, the patrol and association landscaping.
The Pine Ridge Civic Association of Naples is a voluntary civic association. Its FAQ says membership is open to residents “by paying annual dues (e.g., $50 per household)”, and its membership page lists one plan at $100 a year. Both are voluntary, and neither is an assessment. Confirm the current amount with the board before you count on either figure.
Every Pine Ridge Estates purchase starts with the class you are buying, then the plat, the zoning tier, the flood zone and the yearly bill: no association assessment, a tax bill that resets after you buy, and wind and flood insurance priced for the exact address. Start your Pine Ridge Estates buyer consultation or call Marc at (239) 287-5873, and read how we represent buyers in Naples. Selling a home first? Start with a Pine Ridge Estates home valuation and call Jesse direct at (239) 898-6072. You are working with Top 1% Real Estate Agents Nationally Since 2008.
Our guide found 392 of the 488 single-family estate parcels homesteaded, with a median homesteaded tax of $14,118 against a median of $39,862 on non-homesteaded parcels, on the same streets under the same millage. Under section 193.155(3), Florida Statutes, the seller’s Save Our Homes cap ends at the sale, and the property is reassessed at just value on January 1 of the following year. The guide’s illustration: a buyer at the community’s $3,343,728 median just value should expect roughly $31,329 before exemptions.
| Working just value (the price, illustrative) | Tax at 9.3696 mills, no homestead | Tax with the homestead exemption | Plus one solid waste unit, with homestead |
|---|---|---|---|
| $3,000,000 | $28,108.80 | $27,744.00 | $28,013.77 |
| $4,975,000 | $46,613.76 | $46,248.96 | $46,518.72 |
| $8,000,000 | $74,956.80 | $74,591.99 | $74,861.76 |
Our arithmetic, illustrative only: the homestead column takes $25,000 off the value for the 4.1470 school mills and $50,000 off for the other 5.2226 mills. The Property Appraiser sets just value; your price is the best evidence of it, not a guarantee of it.
The homestead exemption can reduce taxable value “by as much as $50,000” (Florida Department of Revenue), and it must be filed by March 1 for a home you own and occupy as your permanent residence on January 1. Once homesteaded, the Save Our Homes cap limits yearly growth in assessed value to the lower of 3 percent or CPI; the 2026 figure is 2.7%. Moving from another Florida homestead, you may port up to the lesser of $500,000 or the prior home’s differential, which is often the largest lever on a Pine Ridge Estates tax bill.
A Pine Ridge Estates home or lot that is not your homestead is capped at 10 percent a year of assessment growth for every levy except the school levy, under section 193.1554, Florida Statutes. The school levy is 4.1470 of the 9.3696 mills, so that share of the bill follows market value. A vacant lot held for a future build is covered by the same rule.
A Pine Ridge Estates buyer’s closing costs in Collier County start with the owner’s title insurance policy, which the buyer customarily pays in Collier, plus mortgage taxes on any loan, the deed recording fee, the lender’s charges, a survey and the inspections. There is no association estoppel certificate and no association transfer or capital fee. The contract controls every item.
In Collier County, the buyer customarily pays for the owner’s title insurance policy and chooses the closing agent; in Lee County the custom runs the other way. These are customs, not laws, and the purchase contract controls. The buyer always pays for the lender’s policy when there is a loan. Florida promulgates the owner’s premium: $5.75 per $1,000 of coverage up to $100,000, $5.00 per $1,000 from $100,000 to $1,000,000, and $2.50 per $1,000 from $1,000,000 to $5,000,000, with any fraction of $100 counted as a full $100.
A loan secured by a Pine Ridge Estates property carries Florida documentary stamp tax on the note at 35 cents per $100 of the loan and nonrecurring intangible tax at 2 mills, 0.002 times the amount secured. Both are buyer financing costs. The deed’s own stamp tax, 70 cents per $100 of the price, is the seller’s by Collier custom.
Because no association with mandatory membership governs Pine Ridge Estates, there is no section 720.30851 estoppel certificate to order and no section 720.401 homeowners association disclosure summary to wait for, and the civic association issues no closing document. That saves a fee and a week or more of waiting compared with a gated Naples community. The title company still runs the county tax, utility and lien searches.
Ask the closing agent for five answers by parcel, in writing: the parcel’s root of title; whether the deed chain names the declaration by book and page, instrument number or plat name; whether any preservation notice under section 712.05 or revitalization filing under section 712.12 is recorded; which of the three subdivisions the lot is in; and which area within it (residential, agricultural or another). Ask for copies of the Schedule B-II exceptions, not just the list.
Section 689.261 requires a property tax disclosure warning that a buyer should not rely on the seller’s current taxes. Section 689.302 requires the seller to “complete and provide a flood disclosure to a purchaser of residential real property at or before the time the sales contract is executed.” Milestone inspections and structural reserve studies apply to condominiums, not to these detached homes.
A boundary survey matters on an acre lot with open swales, easements and fences near lot lines. Florida law says a septic inspection “may not be mandated by a governmental entity at the point of sale,” so the septic inspection is your due diligence, as is a well inspection and a water test by a Florida-certified laboratory. Ask the Florida Department of Health in Collier County for the system’s permit file by address or parcel ID.
The county’s 12-month existing-home resale median is $4,975,000. Here is what a buyer financing 80% of that price could see at closing, every line labelled; the totals are our arithmetic and the real figures come from your lender’s loan estimate and the closing agent.
| Line (buyer side, illustrative) | Amount | Basis |
|---|---|---|
| Down payment, 20% | $995,000 | Price less a $3,980,000 loan |
| Documentary stamp tax on the note | $13,930 | 35 cents per $100 of $3,980,000 |
| Nonrecurring intangible tax | $7,960 | 0.002 times $3,980,000 |
| Owner’s title insurance premium (Collier custom: buyer) | $15,012.50 | Promulgated rate on $4,975,000, before any reissue credit |
| Deed recording | about $18.50 to $35.50 | $10 first page, $8.50 each added page |
| Settlement or closing fee | commonly $500 to $1,500 | Set by the title company, an estimate |
| Lender’s title policy, lender fees, appraisal, survey, home, four-point and wind mitigation inspections, septic and well inspections, water test, prepaid insurance and taxes | quoted by each provider | Not estimated here |
| Subtotal of the lines priced above, before the quoted items | about $37,421 to $38,438 | Our arithmetic |
No estoppel or association fee appears, because none exists here. A cash buyer skips the two mortgage taxes and the lender’s lines.
On a Pine Ridge Estates home at the county’s $4,975,000 resale median, with 20% down and the Freddie Mac average 30-year fixed rate of 7.18% for the week of November 5, 2026, principal and interest come to about $26,961.91 a month (our arithmetic). At these prices the rate moves the payment as much as the price.
| Price | Down payment, 20% | Loan | 30-year fixed at 7.18%, monthly P and I | 15-year fixed at 6.57%, monthly P and I |
|---|---|---|---|---|
| $3,000,000 | $600,000 | $2,400,000 | $16,258.44 | $20,999.04 |
| $4,975,000 | $995,000 | $3,980,000 | $26,961.91 | $34,823.41 |
| $8,000,000 | $1,600,000 | $6,400,000 | $43,355.83 | $55,997.45 |
Rates are Freddie Mac’s Primary Mortgage Market Survey national averages for the week of November 5, 2026 (30-year fixed 7.18%, 15-year fixed 6.57%; the prior week read 7.24% and 6.60%); payments are our arithmetic, illustrative only, and exclude taxes and insurance. Your lender’s quote on your loan size and credit, not a national average, sets your rate, and the survey is re-checked every Thursday.
A vacant Pine Ridge Estates lot or a teardown is financed differently from a finished home, and many lot purchases close in cash. If you plan to build, ask your lender early how it treats a land purchase, the construction draw schedule and the appraisal of a home not yet built, and let us set the contract’s financing and appraisal periods around that answer.
Buying to rebuild in Pine Ridge Estates means a Collier County demolition permit, new-construction permits, impact fees of $34,051.97 under 4,000 square feet of living area or $36,823.95 at 4,000 or more on the May 1, 2026 schedule before any teardown credit, and, on a flood-zone lot, the 50 percent rule and an elevation requirement.
The county sales record behind this page lists 101 Pine Ridge Estates parcels with a later qualified sale since October 17, 2021. On 28 of them, the earlier sale came before the current house was built and the later sale was a new-construction sale. These are gross transfer prices; they leave out the cost of demolition, design, permits and construction, so they are not profit, and we never forecast one. Our Pine Ridge Estates guide documents complete teardown cycles parcel by parcel. Our guide also counts 87 homes built in the 2020s across the 488.
| Collier County schedule effective May 1, 2026 | Under 4,000 sq ft of living area | 4,000 sq ft or more |
|---|---|---|
| County non-utility subtotal (EMS, government buildings, jail, law enforcement, libraries, parks, roads, schools) | $23,763.97 | $26,535.95 |
| Water and sewer, only where county service is available | $5,441.00 and $4,847.00 | $5,441.00 and $4,847.00 |
| Total without fire | $34,051.97 | $36,823.95 |
| North Collier Fire impact fee | $476 | $833 |
The water and sewer rate applies to individually metered homes of 0 to 4,999 square feet of living space and no more than five toilets; the county asks for an estimate above that. A septic-and-well lot does not pay the water and sewer lines. Meter and cross-connection installation sits on top: $1,839 with a service line or $778 without for a 3/4-inch meter, $2,148 or $1,007 for a 1-inch meter.
Where a legally permitted home stood, Collier County charges the difference between the fees for the old home’s size and the new one’s, and our guide quotes the county: “There is no time limit to rebuild.” The county publishes the step from under 4,000 to 4,000 or more square feet as its own line, $2,771.98, with no school fee because no new dwelling unit is created. Two conditions gate it: documentation that the old home was legally permitted, and that any impact fees due at the time were paid. On a 1950s to 1970s house, both can be thin, so run the county’s impact fee calculator on the parcel before you budget.
A residential demolition permit is $50.00 plus $110.00 per inspection; well abandonment is $50.00 and a new well permit $300.00 (Collier County fee schedule, as our guide reads it). A detached house is normally outside the federal asbestos survey and ten-day notice rule, with conditions our guide lists, and a survey is cheap insurance.
Collier County sets a countywide minimum lowest floor, in or out of a flood zone, at the highest of the FIRM elevation, 18 inches above the crown of the nearest paved street, or 5.7 feet NAVD88. In a Special Flood Hazard Area the county requires the base flood elevation plus one foot. On the northern AE streets, our guide notes, that often means stem-wall or elevated-slab construction, which drives fill, driveway grade and septic design.
In a Special Flood Hazard Area, where the lowest floor sits below the base flood elevation, a renovation costing 50 percent or more of the structure’s market value is a substantial improvement and the house must come up to current flood standards. Collier County uses the Property Appraiser’s structure-only improved value and may add up to 20 percent, and you may submit a licensed appraisal. Because land is about 73 percent of value here, that threshold on an older house can be low. Pools, fences, driveways and landscaping do not count; all open permits do.
No neutral source publishes a Pine Ridge Estates or Florida construction cost per square foot. The closest federal figure, the Census Bureau’s 2025 contractor-built median for the South region, was $157.30 per square foot, excluding the lot. Collier County’s own permit reports show 18 residential demolition permits and 20 new one- and two-family permits on Pine Ridge Estates streets from January 2025 through July 2026, at $86,742,060 in combined declared value across all 38; declared value is not a contract price.
Submit preliminary plans, showing lot lines, setbacks and an elevation view, to the Pine Ridge Civic Association, the Architectural Control Committee by a recorded 2019 resolution (OR Book 5616, Page 2941), at P.O. Box 111208, Naples, FL 34108. The declarations carry a 30-day deemed-approval clause. This covenant step sits alongside the county permit.
Pine Ridge Estates is not one flood zone. Our guide’s 3,937-point grid of FEMA flood map queries, read September 1, 2026, placed about 41.5 percent of the land area inside a Special Flood Hazard Area, in Zones AH and AE, and the rest in Zone X. The zone changes street to street, so check the exact address.
Area-weighted across that grid, the split was Zone X unshaded 45.7%, Zone AH 23.9%, Zone AE 17.6% and Zone X shaded 12.8%. Across 128 sampled points on twenty interior streets it was X unshaded 34%, AH 33%, AE 22% and X shaded 12%. Those are our guide’s measurements with their source and date; they describe the community, not your lot.
Zone AH is shallow flooding, typically one to three feet of ponding, with a published base flood elevation. In Pine Ridge Estates it follows the interior swale and canal spine: AH was returned at sampled points on Eugenia Drive, Caribbean Road, Center Street, Cajeput Drive, Ridge Court and parts of East Avenue, Trail Boulevard and Gordonia Road. Published AH base flood elevations run 12.0 to 19.0 feet NAVD88.
Hickory Road, Tupelo Road and Cassena Road returned Zone AE at every sampled point, as did the north ends of Carica Road, Gordonia Road, Myrtle Road and West Street, along the Gordon River corridor. Published AE base flood elevations there run 10.0 to 13.0 feet NAVD88. Banyan Road, most of Mahogany Drive, West Place and the mid-section of Carica Road returned Zone X unshaded.
Collier County’s floodplain FAQ states that flood insurance is mandatory where a structure has a federally backed mortgage and sits in a Special Flood Hazard Area, meaning Zones VE, AE, AH or A. A Zone X house carries no purchase requirement, though the county notes over 25% of flood insurance claims nationwide come from X and X500 zones. Since October 2021, FEMA prices policies on elevation, distance to water and replacement cost, not on the zone letter alone.
Three FEMA panels govern Pine Ridge Estates, all effective February 8, 2024: 12021C0381J, 12021C0383J and 12021C0193J, community number 120067. Look up the exact address on the FEMA Map Service Center, then search Collier County’s elevation certificate map or call the county Flood Information Hotline at (239) 252-2942. The base flood elevation is set by address, never by a community average.
Ground elevation across the community runs from 9.1 to 19.8 feet NAVD88, median 15.25, on 185 federal survey points; that is bare earth, not any house’s floor. Collier County holds elevation certificates only for structures built after September 14, 1979 in an A or V zone, so many original houses have none. Our guide found 42 FEMA Letters of Map Amendment issued inside Pine Ridge Estates, 35 of them removing a structure from the flood zone. FEMA charges no fee for one; it needs a surveyed elevation certificate.
Since October 1, 2024, a Florida seller must give a buyer a flood disclosure at or before contract, and the current form, since October 1, 2025, asks about flood insurance claims. Read it beside the FEMA lookup and the elevation certificate before your inspection period ends.
Insurance for a Pine Ridge Estates home is mostly a wind question and partly a flood question. FEMA’s National Risk Index rates hurricane risk for the census tract as Very High and coastal flooding as Relatively Low. No public source publishes a typical Pine Ridge Estates premium, so get quotes on the exact address before your inspection period ends.
Florida wind credits come from the Uniform Mitigation Verification Inspection Form, OIR-B1-1802, valid for up to five years if nothing material changes; a new version took effect April 1, 2026. It records roof covering, deck attachment, roof-to-wall connections, roof shape, secondary water resistance and opening protection. Much of the original Pine Ridge Estates housing stock dates from the 1950s to 1970s, so ask the seller for the current form, the roof permit and its date.
Citizens Property Insurance is Florida’s insurer of last resort, and an applicant is not eligible where a private insurer offers coverage within the statute’s price threshold, commonly called the 20 percent rule. Citizens requires flood insurance on personal residential wind policies at dwelling replacement cost of $400,000 or more from January 1, 2026, and on all others from January 1, 2027, regardless of flood zone. A Pine Ridge Estates home on Zone X high ground with Citizens wind coverage still needs flood coverage.
North Collier Fire Control and Rescue District’s Station 40 sits at the community’s southern boundary at Pine Ridge Road and Goodlette-Frank Road, and the district holds an ISO Public Protection Classification of 2 for properties within its defined distance of a station. Unincorporated Collier County holds a Community Rating System Class 5 rating, worth a 25% discount on eligible flood premiums in a Special Flood Hazard Area.
Four layers govern a Pine Ridge Estates lot: Collier County zoning under the Land Development Code, three recorded declarations of covenants, county building permits and code enforcement, and a voluntary civic association that reviews plans under the covenants but levies nothing. There is no homeowners association, no board that can fine you and no gate.
Almost all of Pine Ridge Estates is zoned RSF-1: one dwelling unit per acre, a one-acre minimum lot area, a 150-foot minimum lot width, 50-foot front and rear and 30-foot side setbacks, a 35-foot maximum zoned height, a minimum floor area of 1,500 square feet on one story or 1,800 on two, and no maximum building coverage. The usable open space rule does not apply to single-family lots under 2.5 acres.
About 54 Pine Ridge Estates parcels on the eastern tier still carry A, Rural Agricultural zoning: East Avenue and the eastern lots of Ridge Drive, Gordonia Road and Hickory Road, plus two other parcels. They are at least 1.54 acres, legal non-conforming, and cannot be split without a formal rezoning; in June 2024 the Board of County Commissioners unanimously denied one rezoning and split request there. Accessory structures on an A lot must meet the full principal setbacks. Ask Collier County Zoning at (239) 252-2400 for a per-parcel zoning verification letter before you write.
Horses are a zoning and covenant fact here, not a feature of every lot. On the A-zoned eastern tier, the Land Development Code allows horses and livestock other than hogs at up to two animals per acre for personal use, with setbacks for shelters. On the RSF-1 lots, the code lists horses among the farm animals not permitted. In the Second Extension, the 1971 declaration prohibits animals other than household pets outright.
| Subdivision | Plat | Declaration | Dated |
|---|---|---|---|
| Pine Ridge | Plat Book 3, Page 24 | Deed Book 34, Pages 207 to 217 | February 24, 1954 |
| Re-subdivision of Blocks E to H | Plat Book 4, Page 29 | No separate declaration; the 1954 covenants carry forward | circa 1955 |
| Pine Ridge Extension | Plat Book 3, Page 51 | OR Book 2, Page 427 | January 28, 1957 |
| Pine Ridge Second Extension | Plat Book 10, Page 86 | OR Book 409, Pages 540 to 553 | August 6, 1971 |
Each declaration runs for 25 years and renews for ten-year periods unless a majority of the owners in that subdivision record a change. Where covenant and county code differ, the stricter rule governs, and the county code is stricter on most dimensions. The Second Extension adds a 40-foot front setback, underground utilities and a six-square-foot sign cap.
Collier County Code Enforcement enforces zoning on complaint, and Building Plan Review enforces the building code and flood ordinance through permits. Neither the county nor the civic association, by its own FAQ, enforces the private covenants; lot owners do, through private action, which has happened.
A Pine Ridge Estates lot clears the county’s 43,560-square-foot minimum for a guest house. The county caps it at 40 percent of the main house’s air-conditioned living area, 20 feet from the main house, and it may not be leased or rented. The covenants add a single-story requirement and, in the 1954 and 1957 declarations, bar building it before the main house. Other accessory buildings may not exceed 5 percent of the lot or 40 percent of the building envelope, whichever is less.
On lots greater than one acre, Collier County allows a 6-foot fence in the front, side and rear yards; fences nearer a street than the building setback line also need architectural committee approval under the covenants. Up to one acre may be cleared under the building permit, never a specimen tree, and not inside the wellfield protection overlay on part of the north-eastern edge; check with Collier County Environmental Planning at (239) 252-6290.
Collier County Ordinance 2021-45 applies here because Pine Ridge Estates is unincorporated. A home rented in increments under 30 days more than three times in a calendar year must be registered, with a state license, a tourist development tax account and a responsible party on call; unregistered renting risks a fine of up to $500 per violation per day.
Pine Ridge Estates is a septic community. In the Florida Department of Health’s parcel inventory, about 94 percent of residential parcels on Pine Ridge Estates streets are coded septic and about 63 percent private well, on a 2016 to 2017 vintage. The community sits inside the county water-sewer district, but a main at your lot line varies parcel by parcel.
| Florida Water Management Inventory, Pine Ridge Estates streets | Share | Count |
|---|---|---|
| Onsite septic | 94.4% | 485 |
| Private potable well | 63.4% | 326 |
| Public water | 35.0% | 180 |
The denominator is 514 residential parcels the state inventory could confirm on Pine Ridge Estates streets, not the 488 homes on the roll, and the records carry update years of 2009, 2016 and 2017. For a specific house, the seller’s disclosure and the system’s permit file answer it.
Collier County Public Utilities maps the whole area inside the Collier County Water-Sewer District, water area D12 and the North wastewater area. Whether pipe runs in front of a given parcel varies street by street; in July 2026 the county accepted a new water main extension on Myrtle Road. Where service is available, a new home must connect and pay the water and sewer impact fees. Get a written service availability determination for the parcel before you close.
No Collier County septic-to-sewer program targets Pine Ridge Estates. The nearest funded project, West Goodlette-Frank Phase 2, covers the area south of Pine Ridge Road, stops at the community’s southern boundary, and is scheduled for construction from late 2028. A buyer should plan for the septic system on the lot, not for a sewer line.
The Florida Department of Environmental Protection writes the onsite sewage rules, and the Florida Department of Health in Collier County still issues the permit and inspects. Septic permits “shall transfer with the title to the property in a real estate transaction” under section 381.0065. Collier County permits wells as the South Florida Water Management District’s delegate. On a new build, a drainfield sits at least 75 feet from a private potable well, and the unobstructed area must be 1.5 times the drainfield, which shapes the site plan on a large house.
Florida Power and Light serves the area. Collier County collects household waste twice a week and recycling, yard waste and bulky items weekly, funded by the solid waste assessment. Mail is Naples, ZIP 34108. Check broadband by street address on the federal broadband map.
Pine Ridge Estates sits about 4.1 statute miles north of the Naples Municipal Airport reference point at its nearest edge. Our guide’s reading, labelled inferred, is that no federally mapped noise contour reaches the community, while jets are audible at times. Watch the actual flight tracks over a street on the Naples Airport Authority’s WebTrak before you buy. The Authority’s board voted 3 to 1 in June 2025 to end its relocation study.
Every residential address our guide tested in Pine Ridge Estates is zoned to Sea Gate Elementary School, Pine Ridge Middle School and Barron Collier High School for the 2026-2027 school year, from the district’s zoning tool. NCH North Hospital is the nearest emergency room at 4.3 road miles, and Mercato is 1.9 road miles away.
| Level | Assigned school, 2026-2027 |
|---|---|
| Elementary | Sea Gate Elementary School |
| Middle | Pine Ridge Middle School |
| High | Barron Collier High School |
Our guide pulled 437 addresses across the community’s streets from the Collier County Public Schools zoning tool and every residential address returned the same three schools. A handful of arterial frontage addresses at the western end of Pine Ridge Road returned Naples High School instead. Boundaries can change each year, so confirm the address on the district’s zone finder before you write.
| Hospital | Road miles from the community’s center |
|---|---|
| NCH North Hospital | 4.3 |
| Physicians Regional Medical Center, Pine Ridge | 5.9 |
| NCH Baker Hospital, downtown | 6.9 |
All North Collier Fire engines carry one or more paramedics, and the closest appropriate unit is dispatched, whether a district engine or a Collier County EMS ambulance.
| Destination | Road miles |
|---|---|
| Mercato | 1.9 |
| Waterside Shops | 2.4 |
| Artis-Naples | 2.5 |
| Vanderbilt Beach | 2.9 |
| Nearest I-75 interchange | 5.3 |
| Fifth Avenue South | 6.9 |
| Naples Municipal Airport | 7.5 |
| Southwest Florida International Airport | 29.5 |
Distances are our guide’s road-network measurements of September 2, 2026 (the I-75 interchange re-measured November 6, 2026) from the community’s address-weighted center; season traffic from roughly January through April lengthens every drive. The I-75 and Pine Ridge Road diverging diamond interchange opened to traffic in 2026, with finishing work through mid-2027 (FDOT).
Collier County residents get a free beach parking permit, and the City of Naples honors it at its metered beach spaces and permit-only beach ends. Property owners with a Collier County tax bill, or a warranty deed within three months of closing, also qualify. Without one, county beach parks charge $10 a day.
Pine Ridge Estates differs from Aqualane Shores, The Moorings and other Naples estate areas on land above all: a 1.32-acre median lot against 0.33 to 0.37 acres in those two, at the lowest land value per acre of the coastal-adjacent communities our guide measured, with no navigable water, no association and no gate.
| Community (2026 certified Collier County roll, single-family parcels, our guide’s benchmark) | Single-family parcels | Median lot, acres | Median land value per acre | Median just value | Land share of value | Built 2015 or later |
|---|---|---|---|---|---|---|
| Pine Ridge Estates | 488 | 1.32 | $1,635,560 | $3,343,728 | 73% | 30% |
| Aqualane Shores | 326 | 0.33 | $15,214,063 | $7,148,945 | 80% | 28% |
| The Moorings | 795 | 0.37 | $6,204,946 | $3,676,446 | 70% | 34% |
| Park Shore | 574 | 0.34 | $5,892,672 | $3,353,164 | 84% | 31% |
| Port Royal | 513 | 0.64 | $13,963,068 | $13,951,367 | 61% | 27% |
| Pelican Bay, single-family only | 610 | 0.39 | $5,505,710 | $3,122,804 | 73% | 13% |
| Quail Creek | 287 | 0.79 | $1,271,695 | $1,720,839 | 59% | 3% |
These are assessed values read from one tax roll on one day, applied the same way to every community; they are not sale prices and not values for any one home. Sale prices for Pine Ridge Estates on this page come only from the county sales record and the dated MLS export above.
Aqualane Shores offers deep-water canal frontage between Third Street South and Naples Bay on a 0.33-acre median lot, at over $15 million per acre of land value. Pine Ridge Estates offers about four times the land at a fraction of the per-acre value, with no boat access. If a dock behind the house is the requirement, Pine Ridge Estates cannot meet it. Our Aqualane Shores buyer guide covers that purchase.
The Moorings carries a similar median just value to Pine Ridge Estates on lots roughly a quarter the size, with water access on many streets and a residents’ beach association. Pine Ridge Estates trades that water and that association for acreage, a guest house allowance on every conforming lot and a short tax bill with no association line.
Pine Ridge Estates has no clubhouse, pool, courts, golf, marina, gate or interior park, and Collier County’s park layer returns no park inside the community. Every errand is a short drive to an arterial. Who maintains the interior swales on a given street is not established in any public source our guide reached, so ask Collier County Road Maintenance at (239) 252-8924 and the seller.
We find the right Pine Ridge Estates property by searching land first: plat, zoning tier, flood zone, utilities and lot size, then the house. We negotiate from the record, not the asking price: on the October 29, 2026 MLS export, the median Pine Ridge Estates closing settled at 92.65 percent of its last list price after a 102-day median.
We set MLS alerts by sale class (finished home, older house or lot), by plat and by street, and we add the parcel checks that a listing sheet leaves out: the zoning tier, the flood zone at the address, whether a county water main reaches the lot line, and which declaration governs the plat. Listing alerts route through our buying page.
We tracked every qualified Pine Ridge Estates sale the county recorded over the last 60 months, 126 of them, by class and plat, before writing this page. Not every Pine Ridge Estates sale is a brokered listing: the county records more transfers than the MLS shows. We watch the county’s recorded sales and the 40 vacant residential parcels on the roll, and when a client has a specific street or lot in mind we can write to its owner on the client’s behalf. We promise no off-market access; we promise to look.
The county record lists 101 Pine Ridge Estates parcels with a later sale since October 17, 2021, and not all of them rose. A Carica Road resale in the Second Extension recorded at $7,800,000 in May 2022 and $6,750,000 in December 2024, down 13.5%. An East Avenue home that sold new at $9,425,000 in October 2022 resold at $9,000,000 in December 2025, and a Myrtle Road home that sold new at $6,375,000 in July 2022 resold at $6,150,000 in April 2026. On the other side, a Gordonia Road resale went from $2,875,000 in May 2021 to $4,200,000 in December 2025. Those pairs describe particular parcels and dates, not a direction for the market.
Buyer’s agent compensation for a Pine Ridge Estates purchase follows the practice changes that took effect on August 17, 2024: you sign a written buyer agreement before touring, it states the amount or rate of compensation, and it states that broker fees and commissions are fully negotiable and not set by law.
The National Association of Realtors says a written agreement must come before you tour a home with an agent, with “A specific and conspicuous disclosure of the amount or rate of compensation” and “A conspicuous statement that broker fees and commissions are fully negotiable and not set by law.” We sign it with you at the consultation, before the first Pine Ridge Estates showing.
NAR says offers of compensation “are no longer allowed on Multiple Listing Service (MLS) platforms,” that sellers “can still offer compensation off an MLS,” and that sellers can offer buyer concessions on an MLS. A Pine Ridge Estates seller may still agree in the contract to pay some or all of your agent’s fee; we raise it in the offer.
You can see current Pine Ridge Estates listings on our team’s listing site, Domain Realty Group, and have new ones sent to you. On the Southwest Florida MLS (Matrix) export of October 29, 2026, 24 Pine Ridge Estates properties were active from $2,700,000 to $14,800,000; any day since, the count will differ.
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix export of October 29, 2026, labelled as such.
For every active property in the community, see the current Pine Ridge Estates listings on Domain Realty Group, our team’s listing site, updated from the MLS.
Set up custom listing alerts through our Naples buyer representation page, where saved searches route to our team, and call Marc at (239) 287-5873 for the properties that have come to market since the October 29, 2026 export. Still choosing between parts of the city? Our Naples buyer guide covers the process citywide.
To start your Pine Ridge Estates buyer consultation, call Marc at (239) 287-5873 or use the buyer consultation form on this page. We reply with the active Pine Ridge Estates properties that fit your class, plat and budget, the county sales that match them, and the zoning, covenant, flood, septic and well checks for each address.
Active Pine Ridge Estates homes and lots that match your plan, the county sales of the same class and plat, a yearly cost sheet built from the tax reset and two insurance quotes, the title and covenant questions for your closing agent, the flood zone by address, and on a rebuild the impact fee and permit checklist. It is confidential and carries no obligation.
Call Marc at (239) 287-5873, or use the Pine Ridge Estates buyer consultation form or our buying page. Selling a home before you buy? Call Jesse direct at (239) 898-6072. You are working with Top 1% Real Estate Agents Nationally Since 2008.
Marc Comisar and Jesse McGreevy are top-reviewed Southwest Florida realtors, and a Pine Ridge Estates buyer should know what working with us is like. These are clients in their own words, quoted exactly as they posted them, from across Southwest Florida; they describe our team, not Pine Ridge Estates or any property in it.
★★★★★ “Our experience with Marc as our agent was exceptional! He is very knowledgeable, respectful and delivered as promised. He attracted the right buyer to our condo. We would highly recommend him.” Verified Zillow review
★★★★★ “Marc helped me through the home selling process every step. He was very responsive and knows the market well. With another agent my house did not sell for one year, but Marc got me 3 offers within a few months.” Verified Zillow review
★★★★★ “Marc sold our house within 48hours with several offers over the asking price. We never dreamed it would sell that fast! He even went above and beyond to walk us thru the whole process!” Verified Zillow review
These are the questions Pine Ridge Estates buyers ask, answered from the Collier County record through October 16, 2026, the Southwest Florida MLS (Matrix) export of October 29, 2026, the recorded declarations, FEMA, the school district and Florida law. For today’s count, call Marc at (239) 287-5873; you are working with Top 1% Real Estate Agents Nationally Since 2008.
Decide whether you are buying a finished home, an older house for its land or a vacant lot, then the plat and zoning tier. Sign a buyer agreement, get proof of funds or a loan estimate, and offer with time for the title search, survey, flood check and septic and well inspections.
No. There is no homeowners association and no mandatory assessment. The Pine Ridge Civic Association of Naples is voluntary; its FAQ says “No. PRCA is a voluntary civic association run by resident volunteers.” Recorded covenants still apply by plat.
Yes. Declarations recorded in 1954, 1957 and 1971 renew in ten-year periods unless a majority of that subdivision’s owners record a change. Whether one binds a specific parcel is a title-search question under Florida’s Marketable Record Title Act.
No. Every internal street is a public, county-maintained road, with no gate, guardhouse or association patrol.
Our guide measured a 1.32-acre median lot on the 2026 certified roll, with 99.0% of the 488 homes at 1.00 acre or more, under both the 1954 covenant and RSF-1 zoning.
Collier County recorded 22 qualified existing-home resales in the 12 months to October 16, 2026 at a $4,975,000 median. The MLS export of October 29, 2026, a different record, showed 33 closings at a $4,500,000 median. A community median is not a home’s value.
The Southwest Florida MLS (Matrix) showed 24 active listings on October 29, 2026, at a $6,695,000 median list price. Ask Marc at (239) 287-5873 for today’s count.
On the October 29, 2026 export, the median closing settled at 92.65% of its last list price, range 80.35% to 100.00%, after a 102-day median on market (n 32). That describes one dated record, not any seller.
On the county record, 12-month median resale prices per square foot of county heated (base) area were $689.96 on the 1954 plat (6 sales), $1,125.40 on the Extension (11) and $1,159.42 on the Second Extension (3). The lot says more than the per-foot figure here.
Yes. The roll carries 40 vacant residential lots, and 4 vacant land sales recorded in the 12 months to October 16, 2026, at a $3,372,500 median. Check zoning, flood zone and utilities first.
It depends on the house, the lot and your timeline, and we forecast no rebuild profit. Compare a finished home with resales, a teardown with land, and a build with the county’s fees and real contractor bids.
On Collier County’s May 1, 2026 schedule, $34,051.97 under 4,000 square feet of living area or $36,823.95 at 4,000 or more, before any teardown credit and without the fire fee.
Usually, with no time limit to rebuild, if you can document the old home’s permit and any fees due at the time. The county’s published step from under 4,000 to 4,000 square feet or more is $2,771.98.
Only on the roughly 54 eastern-tier parcels zoned A, Rural Agricultural, at up to two animals per acre. RSF-1 lots do not allow horses, and the 1971 declaration bars them in the Second Extension.
Yes, on a conforming lot: up to 40 percent of the main house’s air-conditioned area, 20 feet away, single story under the covenants, and never rented.
Sometimes. A 1988 court ruling allowed a residential lot split into two one-acre lots; the A-zoned eastern lots cannot be split without a rezoning.
Mostly septic: about 94 percent of residential parcels on its streets in the state’s 2016 to 2017 inventory, and no county septic-to-sewer program targets the community.
Florida law says one “may not be mandated by a governmental entity at the point of sale.” A lender or insurer may ask, and we recommend it as your due diligence.
Yes. About 63 percent of residential parcels on these streets are coded private well. Ask for the well permit and test the water at a Florida-certified laboratory before closing.
It varies by parcel. Ask Collier County Public Utilities for a written service availability determination.
Possibly. Our guide placed about 41.5 percent of the land area in Zones AH and AE. Look up the exact address on the FEMA Map Service Center.
On a federally backed mortgage, yes in Zone AH or AE. Citizens wind policies at $400,000 or more of replacement cost need flood coverage from January 1, 2026, whatever the zone.
It is set by address: AH elevations run 12.0 to 19.0 feet NAVD88 and AE elevations at the north end 10.0 to 13.0 feet.
The federal record holds no storm-surge high-water marks inside Pine Ridge Estates for Ian, Irma, Wilma, Milton or Helene. The mapped hazard here is rainfall ponding and river backwater.
Zone B, at every point our guide tested inside the community.
No public source publishes a typical premium. Get quotes on the exact address with a wind mitigation form and an elevation certificate.
The 2026 roll carries 9.3696 mills plus solid waste. At a $4,975,000 working just value that is about $46,613.76 before exemptions (our arithmetic, illustrative).
Usually. The seller’s cap ends at the sale; our guide found a $14,118 median homesteaded tax against $39,862 on non-homesteaded parcels.
Yes, from another Florida homestead, up to the lesser of $500,000 or the prior home’s differential, filed by March 1.
In Collier County the buyer customarily pays the owner’s title policy and chooses the closing agent; the contract controls.
At $4,975,000 with 20% down, the priced lines come to about $37,421 to $38,438 before quoted items (our arithmetic). There is no estoppel fee.
At $4,975,000 with 20% down and 7.18% (Freddie Mac, week of November 5, 2026), about $26,961.91 a month in principal and interest (our arithmetic, illustrative).
Rentals of 30 days or more need no registration; shorter rentals more than three times a year must register under Ordinance 2021-45. A guest house may not be rented.
Sea Gate Elementary, Pine Ridge Middle and Barron Collier High for 2026-2027. Confirm the address on the district zone finder.
No. Pine Ridge Road is a county arterial across Collier County; Pine Ridge Estates is the four-plat estate community north of it, between Tamiami Trail North and Goodlette-Frank Road.
No. Pelican Ridge’s attached homes sit on a separate plat, the Pine Ridge Second Extension Replat, with their own association, and are in no figure here.
There is no navigable water to the Gulf from any lot. For yard storage of a boat or RV in RSF-1, ask Collier County Code Enforcement at (239) 252-2440.
At times. Our guide’s inferred reading is that no mapped noise contour reaches the community; watch the airport’s WebTrak tracks before you buy.
Yes. Since August 17, 2024, NAR requires a written buyer agreement before touring with an agent.
In the 12 months to October 16, 2026, the county recorded 8 qualified sales in December 2025 and 5 in July 2026, and 1 to 4 in each other month from November 2025 to August 2026. One year shows timing, not a trend.
Still weighing a Pine Ridge Estates purchase? Call Marc at (239) 287-5873 or start your Pine Ridge Estates buyer consultation.
If you are selling a home before you buy in Pine Ridge Estates, time the two contracts together: your down payment, the title and covenant review, the survey, the septic and well checks and the insurance quotes all fall due while your sale is still closing. Jesse leads listings and seller strategy; Marc leads the purchase.
We set the sale’s closing date first, then write the Pine Ridge Estates offer to fit it, so the review periods run while you can act on them. For the selling side, read our guide to selling a Pine Ridge Estates home or start with a Pine Ridge Estates home valuation, and call Jesse direct at (239) 898-6072. For the community itself, our Pine Ridge Estates guide carries the street table, the vacant lot ladder and the full teardown record.
Every Pine Ridge Estates figure on this page traces to a source below: the Collier County record, the recorded declarations and the civic association’s published documents, the county, state and federal agencies that publish zoning, flood, tax, utility and school data, Freddie Mac, the National Association of Realtors and the Florida Statutes. No listing portal or brokerage site is cited.
These are the Pine Ridge Estates documents a buyer reads before an offer, each linked at the authority that publishes it: the three recorded declarations, the architectural committee report, the county code and fee schedules, the flood records and the state rules that govern the sale.
| Document | Publisher | What it shows a buyer | Link |
|---|---|---|---|
| Declaration of Covenants and Restrictions, Pine Ridge, 1954 (Deed Book 34, Pages 207 to 217) | Pine Ridge Civic Association of Naples, scan of the recorded instrument | The one-acre minimum, the original setbacks and the agricultural area | Open the 1954 declaration |
| Declaration of Covenants and Restrictions, Pine Ridge First Extension, 1957 (OR Book 2, Page 427) | Pine Ridge Civic Association of Naples | The covenants on the Extension lots | Open the 1957 declaration |
| Declaration of Covenants and Restrictions, Pine Ridge Second Extension, 1971 (OR Book 409, Pages 540 to 553) | Pine Ridge Civic Association of Naples | The 40-foot front setback, underground utilities and the household-pets-only rule | Open the 1971 declaration |
| Architectural Control Committee report, revised December 20, 2024 | Pine Ridge Civic Association of Naples | How the covenants, plan review and county code interact | Open the committee report |
| Residential impact fee schedule, effective May 1, 2026 | Collier County | The fees on a new home by living area tier | Open the fee schedule |
| Substantial improvement packet and cost worksheet | Collier County | The 50 percent rule worksheet for a flood-zone renovation | Open the packet |
| Floodplain management FAQs | Collier County | Elevation certificates, the lowest floor and the lender mandate | Open the FAQ |
| Ordinance 2021-45, short-term vacation rentals | Collier County Clerk of the Circuit Court and Comptroller | The registration trigger and penalties | Open the ordinance |
| Section 381.0065, onsite sewage | Florida Legislature | Septic permits transfer with title; no government inspection mandate at sale | Read section 381.0065 |
Certified copies of the recorded originals, and any amendment or preservation notice affecting a specific parcel, come from the Collier County Clerk of the Circuit Court and Comptroller and from your title agent’s search. The civic association’s current dues are confirmed by its board.
Your Pine Ridge Estates buyer’s agents are Jesse McGreevy and Marc Comisar of McGreevy and Comisar, the #5 real estate team in Florida in the 2026 RealTrends rankings. We read the Pine Ridge Estates zoning, covenant, flood, septic, well, tax and insurance paperwork with you before an offer, and every figure on this page traces to the sources listed above.
If you’re searching for “the best buyer’s agent in Pine Ridge Estates, Naples, Florida,” McGreevy and Comisar represents homebuyers across Estero, Bonita Springs, Naples, Fort Myers, Lee County, Collier County and Babcock Ranch, including Pine Ridge Estates, Pelican Bay and Talis Park. Our team provides honest market guidance and partner-level negotiation, starting from our Pine Ridge Estates neighborhood guide.
Jesse McGreevy lists and sells homes across Naples, Bonita Springs, Estero and Marco Island; call Jesse direct at (239) 898-6072. Marc Comisar represents buyers and sellers across Southwest Florida; call Marc at (239) 287-5873.
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McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
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Jesse McGreevy: (239) 898-6072 · [email protected]
Marc Comisar: (239) 287-5873
Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134
Jesse McGreevy (license SL3101296) and Marc Comisar (license BK3060671) are licensed Florida real estate professionals regulated by the Florida Real Estate Commission (FREC) under Chapter 475, Florida Statutes.
Buying in Pine Ridge Estates? Start your Pine Ridge Estates buyer consultation or call Marc at (239) 287-5873, and see how we represent buyers. Selling first? Call Jesse direct at (239) 898-6072. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008.
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McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more at DomainRealtyGroup.com. Read more about McGreevy and Comisar or contact us.
Market data from Southwest Florida MLS, export of October 29, 2026 (Matrix, Development PINE RIDGE). Collier County Property Appraiser qualified sales recorded through October 16, 2026. McGreevy and Comisar, buy a home in Pine Ridge Estates with the #1 Team in Southwest Florida since 2012 and the #5 real estate team in Florida (RealTrends 2026). Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.