Naples, Florida
Buy a home in Saturnia Lakes, North Naples, with the record in hand: county resales by plat, MLS rows by size tier, the $1,849 quarterly fee per listings, no CDD, Zone X by address, lease and pet rules 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) pull of October 27, 2026
Buying a home in Saturnia Lakes, Naples means buying a detached single-family home behind a guarded gate off Immokalee Road in North Naples, inside one Chapter 720 homeowners association, with no Community Development District on the tax bill and a FEMA flood zone you confirm by address. Our Saturnia Lakes community guide covers the plats, the clubhouse, the storm record and the history in full. This page covers what a Saturnia Lakes buyer pays, signs, checks and asks before an offer.
Saturnia Lakes is 580 single-family homes on three recorded plats: Plat One holds 236 homes, Plat Two holds 90 and Plat Three holds 254, all under one association and one fee. There are no condominiums, no villas and no townhomes in Saturnia Lakes, even though a few aggregator pages say otherwise, so every price on this page is a detached single-family home price, and each one names its record and its window.
The short version: Collier County recorded 25 qualified Saturnia Lakes resales from October 17, 2025 to October 16, 2026 at an $829,000 median, from $424,500 to $1,300,000. The Southwest Florida MLS (Matrix) pull of October 27, 2026, a different record and a different window, showed 10 active listings at a $699,500 median list price and 4.6 months of supply. Two 2026 MLS listings put the master association fee at $1,849 a quarter. Selling a home first? Read our guide to selling a Saturnia Lakes 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 tour a single home.
McGreevy and Comisar represent Saturnia Lakes buyers from the paperwork forward: the association’s estoppel certificate, the Chapter 720 disclosure summary, the flood zone for the exact lot, the tax bill a new owner actually receives and the Saturnia Lakes sales that match the home, 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 25 qualified Saturnia Lakes resales Collier County recorded over the last 12 months and all 26 closings and 10 active listings in the Southwest Florida MLS (Matrix) pull of October 27, 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 Saturnia Lakes buyer consultation or call Marc at (239) 287-5873.
Honors and recognition:
Before you tour, we agree on the living area, the bedroom and den count, the plat and street, the view you want and the yearly cost you will carry. We pull the active Saturnia Lakes listings, the county resales and MLS closings that match them, and the association, tax and flood records for each home you like, then write the offer with review periods long enough for the documents a Saturnia Lakes purchase needs. Call Marc at (239) 287-5873.
Every Saturnia Lakes home is a detached single-family home, so the search is never condominium against villa. It is floor plan, living area, lot, lake or preserve view, pool, roof, storm protection and condition, on one of the community’s 21 residential streets. The MLS closings of the last year ran from 1,390 to 4,083 square feet of living area, and we search Saturnia Lakes one size tier at a time.
These are the facts a Saturnia Lakes buyer needs in November 2026, each drawn from the Collier County record, the Southwest Florida MLS (Matrix) pull of October 27, 2026, FEMA, the school district or Florida law, and each explained in its own section below with its record and window named every time.
Buying in Saturnia Lakes right now means choosing among the 10 homes the Southwest Florida MLS (Matrix) showed active on October 27, 2026, at a $699,500 median list price. Against 26 closings in the prior 12 months, a pace of 2.17 sales a month, that was 4.6 months of supply on that date.
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix pull of October 27, 2026, labelled as such.
The MLS figures below come from one dated pull: closings from October 27, 2025 to October 27, 2026 plus the actives on October 27, 2026; a fresh pull is queued. The county figures in the next section are a different record (qualified deeds) over a different window (October 17, 2025 to October 16, 2026), and the two are never blended or divided into each other.
| Measure (Southwest Florida MLS (Matrix), pull of October 27, 2026) | Value |
|---|---|
| Closed sales | 26 |
| Total sold volume | $21,196,000 |
| Median sold price | $796,250 |
| Sold price range | $424,500 to $1,300,000 |
| Median living area | 2,636 square feet (range 1,390 to 4,083) |
| Median sold price per square foot (MLS living area) | $301.79 |
| Median days on market, current listing | 53.5 (range 3 to 160) |
| Median sale-to-list ratio, against the last list price | 95.9% |
| Closings at or above the last list price | 2 of 26 |
| Measure (Southwest Florida MLS (Matrix), pull of October 27, 2026) | Value |
|---|---|
| Active listings | 10 |
| Median list price | $699,500 |
| List price range | $524,500 to $1,100,000 |
| Median list price per square foot (MLS living area) | $291.78 |
| Absorption | 2.17 sales a month |
| Months of supply | 4.6 |
The Saturnia Lakes home that fits your budget depends mostly on living area. In the October 27, 2026 MLS pull, homes under 2,200 square feet sold at a $570,000 median, homes from 2,200 to 2,999 square feet at $831,250 and homes of 3,000 square feet and over at $1,125,000. County resales by plat are below.
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix pull of October 27, 2026, labelled as such.
We tracked every county figure in this section from qualified, improved, arm’s-length resales that the Collier County Property Appraiser recorded on the single-family parcels of Saturnia Lakes Plat One, Plat Two and Plat Three. Builder-direct first sales from the early 2000s are not resales and sit outside every window here. Street names only; no house numbers.
| Plat (county record) | 12 months to Oct 16, 2026 | 24 months to Oct 16, 2026 | 60 months to Oct 16, 2026 |
|---|---|---|---|
| Plat One (236 homes), resales | 11 | 25 | 52 |
| Plat One, median | $850,000 | $730,000 | $790,000 |
| Plat One, range | $424,500 to $1,275,000 | $380,000 to $1,275,000 | $380,000 to $1,550,000 |
| Plat Two (90 homes), resales | 4 | 9 | 21 |
| Plat Two, median | $775,000 | $880,000 | $869,000 |
| Plat Two, range | $570,000 to $1,125,000 | $570,000 to $1,340,000 | $540,000 to $1,342,000 |
| Plat Three (254 homes), resales | 10 | 20 | 59 |
| Plat Three, median | $822,000 | $780,000 | $780,000 |
| Plat Three, range | $549,000 to $1,300,000 | $450,000 to $1,300,000 | $450,000 to $1,350,000 |
| All Saturnia Lakes resales | 25 | 54 | 132 |
| All Saturnia Lakes, median | $829,000 | $757,500 | $790,000 |
| All Saturnia Lakes, range | $424,500 to $1,300,000 | $380,000 to $1,340,000 | $380,000 to $1,550,000 |
A median moves with the mix of homes that happened to sell. Plat Two’s 12-month median of $775,000 rests on 4 sales, and its 24-month median of $880,000 sits above the other two plats; neither says what a given home is worth. Every plat holds small and large plans, so the size tiers below, from the MLS rows, are closer to the question a buyer is asking.
The county resale record ties streets to plats. Plat One resales in the record include Barrigona Court, Campestre Terrace, Butterfly Palm Drive, Triandra Lane, Princess Sabal Point, Khasia Point, Canary Island Cove, King Sago Court, Areca Cove and Leafshine Lane. Plat Two resales include Palma Blanca Court, Painted Palm Drive, Pacaya Cove and Amargo Way. Plat Three resales include Senegal Date Drive, Isla De Palma Circle, Ribbon Fan Lane, Triangle Palm Terrace, Ivory Cane Point and Windamere Lane. The plat matters for the legal description and the county record; the association and the fee are the same across all three.
Nine of the 26 MLS closings in the October 27, 2026 pull had under 2,200 square feet of living area. They sold from $424,500 to $625,000, at a $570,000 median and $305.40 median sold price per square foot:
| Street | Closed | Living area (MLS) | Sold price | Beds and baths (MLS) |
|---|---|---|---|---|
| Barrigona Ct | November 2025 | 1,390 | $424,500 | 3 beds, 2 baths |
| Barrigona Ct | June 2026 | 1,577 | $511,000 | 3 beds, 2 baths |
| Triangle Palm Ter | September 2026 | 1,751 | $535,000 | 3 beds, 2 baths |
| Ribbon Fan Ln | March 2026 | 2,080 | $549,000 | 4 beds, 2 baths |
| Painted Palm Dr | March 2026 | 2,080 | $570,000 | 4 plus den, 2 baths |
| Butterfly Palm Dr | December 2025 | 1,928 | $572,000 | 3 beds, 2 baths |
| Khasia Pt | May 2026 | 1,937 | $575,000 | 2 plus den, 2 baths |
| Triangle Palm Ter | June 2026 | 1,751 | $590,000 | 2 plus den, 2 baths |
| Isla De Palma Cir | August 2026 | 1,928 | $625,000 | 3 beds, 2 baths |
Two Triangle Palm Terrace homes of 1,751 square feet sold at $535,000 and $590,000, and two 1,928 square foot homes on Butterfly Palm Drive and Isla De Palma Circle sold at $572,000 and $625,000. Same recorded living area, a $55,000 and a $53,000 spread (our arithmetic): view, pool, roof, storm protection, upgrades and condition make that difference, and we name those factors for each home rather than put a dollar figure on them.
Ten closings in the pull fell in this tier, the community’s middle. They sold from $627,000 to $1,275,000, at an $831,250 median and $319.31 median sold price per square foot:
| Street | Closed | Living area (MLS) | Sold price | Beds and baths (MLS) |
|---|---|---|---|---|
| Triangle Palm Ter | July 2026 | 2,447 | $627,000 | 4 beds, 2 full and 1 half baths |
| Pacaya Cv | April 2026 | 2,735 | $670,000 | 3 plus den, 3 baths |
| Triandra Ln | January 2026 | 2,452 | $685,000 | 4 plus den, 2 full and 1 half baths |
| Areca Cv | October 2026 | 2,452 | $780,000 | 4 plus den, 2 full and 1 half baths |
| Amargo Way | October 2026 | 2,681 | $812,500 | 4 plus den, 3 baths |
| Princess Sabal Pt | April 2026 | 2,620 | $850,000 | 4 beds, 3 baths |
| King Sago Ct | August 2026 | 2,652 | $850,000 | 4 beds, 3 baths |
| Palma Blanca Ct | March 2026 | 2,678 | $880,000 | 4 beds, 2 full and 1 half baths |
| Isla De Palma Cir | August 2026 | 2,899 | $935,000 | 3 plus den, 3 baths |
| Canary Island Cv | June 2026 | 2,666 | $1,275,000 | 4 beds, 3 baths |
Two 2,452 square foot homes on Triandra Lane and Areca Cove sold at $685,000 and $780,000, a $95,000 spread on one recorded living area (our arithmetic). The top of the tier is the clearest warning against pricing from a per-foot average: the Canary Island Cove home, a 2002 lakefront cul-de-sac home with an owner-retrofitted impact package marketed as an Aquamarine plan, sold at $1,275,000 for 2,666 square feet, while a 2,652 square foot King Sago Court home sold at $850,000, a $425,000 spread (our arithmetic) between two homes within 14 square feet of each other.
Every Saturnia Lakes purchase starts with the size tier and the yearly bill: a master association fee of $1,849 a quarter per two 2026 MLS listings, confirmed on the estoppel, a tax bill with no CDD line on it, and wind and flood coverage priced for the exact address. Start your Saturnia Lakes buyer consultation or call Marc at (239) 287-5873, and read how we represent buyers in Naples. Selling a home first? Start with a Saturnia Lakes home valuation and call Jesse direct at (239) 898-6072. You are working with Top 1% Real Estate Agents Nationally Since 2008.
Seven closings in the pull had 3,000 square feet or more. They sold from $855,000 to $1,300,000, at a $1,125,000 median and $293.90 median sold price per square foot:
| Street | Closed | Living area (MLS) | Sold price | Beds and baths (MLS) |
|---|---|---|---|---|
| Campestre Ter | December 2025 | 3,338 | $855,000 | 5 beds, 3 baths |
| Senegal Date Dr | December 2025 | 3,773 | $1,100,000 | 4 plus den, 3 full and 1 half baths |
| Campestre Ter | May 2026 | 3,773 | $1,100,000 | 4 plus den, 3 full and 1 half baths |
| Palma Blanca Ct | December 2025 | 3,773 | $1,125,000 | 5 beds, 3 full and 1 half baths |
| Ivory Cane Pt | July 2026 | 4,083 | $1,200,000 | 5 beds, 4 baths |
| King Sago Ct | August 2026 | 3,993 | $1,200,000 | 4 plus den, 3 full and 1 half baths |
| Senegal Date Dr | March 2026 | 4,034 | $1,300,000 | 4 plus den, 3 full and 1 half baths |
Three homes of 3,773 square feet, on Senegal Date Drive, Campestre Terrace and Palma Blanca Court, sold from $1,100,000 to $1,125,000 in the same pull. A repeated living area across streets is the fingerprint of a repeated floor plan, and it is how we find a home’s twins in the record without a floor-plan catalog.
The larger tier traded at a lower median price per square foot than the middle tier on the October 27 pull: $293.90 against $319.31, with the smallest tier at $305.40. A buyer moving up from the middle tier into the largest tier paid less per added foot than the middle tier’s rate would suggest. That describes one pull of closed sales, and it is a reason to compare a large home only against large homes.
The 10 actives on the pull date, sorted by living area, show where today’s choice sits. Two are under 2,200 square feet, six fall in the middle tier and two are 3,000 square feet and over:
| Street | Living area (MLS) | List price | Days on market | Beds and baths (MLS) |
|---|---|---|---|---|
| Windamere Ln | 1,760 | $550,000 | 138 | 3 beds, 2 baths |
| Windamere Ln | 1,760 | $524,500 | 11 | 2 plus den, 2 baths |
| Princess Sabal Pt | 2,211 | $674,999 | 72 | 3 beds, 2 baths |
| Isla De Palma Cir | 2,351 | $699,000 | 133 | 3 beds, 2 full and 1 half baths |
| Barrigona Ct | 2,483 | $674,900 | 29 | 4 beds, 2 full and 1 half baths |
| Isla De Palma Cir | 2,735 | $729,000 | 88 | 3 plus den, 3 baths |
| Butterfly Palm Dr | 2,914 | $699,999 | 3 | 5 beds, 3 baths |
| Isla De Palma Cir | 2,982 | $767,888 | 259 | 5 beds, 3 baths |
| Ivory Cane Pt | 3,421 | $999,000 | 17 | 5 beds, 3 baths |
| Guadelupe Dr | 3,773 | $1,100,000 | 131 | 4 beds, 3 full and 1 half baths |
The Guadelupe Drive listing at 3,773 square feet sits against three 3,773 square foot closings at $1,100,000 to $1,125,000. A list price is an asking price; the closed rows are what buyers paid. The list is a snapshot of one date and has changed since.
Listings have marketed Saturnia Lakes homes under plan names such as Sapphire, Ibis and Aquamarine, and the developer is widely attributed to GL Homes in listing copy, though no recorded document we located names it. Plan names come from listing agents, not from a recorded plat or a builder catalog, so a name on a listing does not tell you the home’s size. Match the home on MLS living area, bedrooms, baths and street instead.
A Saturnia Lakes owner pays four yearly layers: the master association fee, $1,849 a quarter or $7,396 a year per two 2026 MLS listings, the Collier County tax bill with no CDD line, homeowners and wind insurance, and any flood coverage you choose or your lender requires. Golf dues and club fees are not among them.
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix pull of October 27, 2026, labelled as such.
| Layer | What we can show | Where the exact figure comes from |
|---|---|---|
| Master association fee | $1,849 a quarter, $7,396 a year, about $616.33 a month (our arithmetic), per two 2026 MLS listings, current as of September 2026 | The estoppel certificate on the home you choose |
| Special assessment | $0 on the same two listings | The estoppel certificate |
| Property tax | Reset after your purchase; the seller’s bill is not yours | The Collier County Property Appraiser and Tax Collector |
| CDD assessment | None | The Collier County Tax Collector’s annual reports |
| Homeowners and wind insurance | No Saturnia Lakes figure published | Two or three quotes during your inspection period |
| Flood insurance | Zone X at a verified address; not federally required outside a Special Flood Hazard Area, though a lender may still require it | A quote and a flood determination on the exact address |
| Club membership or equity fee | None; there is no golf and no club | Not applicable |
Two 2026 MLS listings from two brokerages, agent-entered, show the same master fee, $1,849 per quarter, with a $0 special assessment, current as of September 2026 per our guide. We located no association-published budget, so the figure is listing-reported. The estoppel certificate on the home you are buying is the binding figure.
The listings’ maintenance field itemizes what the master fee pays for: cable, internet and WiFi access, irrigation water from the reclaimed system, lawn and land maintenance, the community manager, exterior pest control, the recreation facilities, security, street lights and street maintenance. The clubhouse, pools and courts are funded inside that fee; there is no separate club membership, initiation or equity fee. Bulk service contracts change, so confirm the current list with the association before you count on any one line.
Saturnia Lakes carries no Community Development District. The Collier County Tax Collector’s annual reports for fiscal years 2024-2025 and 2021-2022 each list roughly fifteen residential CDDs, and Saturnia Lakes appears on neither; two MLS sold records show “Tax District Type: Not Applicable.” That is a real carrying-cost advantage. Area-wide levies, such as the North Collier Fire Control and Rescue District, Collier Mosquito Control District and the South Florida Water Management District, still appear on the bill.
The listing shows the seller’s bill, built on the seller’s capped assessment and exemptions. One lakefront home that sold in the last year carried a 2025 tax bill of $9,269 under its seller’s assessment, per our guide. After a sale, the home is reassessed at just value as of the following January 1. Florida’s own disclosure says it plainly: “BUYER SHOULD NOT RELY ON THE SELLER’S CURRENT PROPERTY TAXES AS THE AMOUNT OF PROPERTY TAXES THAT THE BUYER MAY BE OBLIGATED TO PAY IN THE YEAR SUBSEQUENT TO PURCHASE.” We do not print an estimated tax for your price; the Property Appraiser sets the assessed value, and the Tax Collector bills it.
If the home is your permanent Florida residence on January 1, the homestead exemption can reduce taxable value “by as much as $50,000.” Save Our Homes then caps yearly growth in the homesteaded assessment at the lower of 3 percent or the change in the Consumer Price Index (2.7% for 2026), and portability can carry “the lesser of $500,000 or the difference between the just value and the assessed value of the prior homestead.” A second home gets neither benefit; a Florida CPA or tax attorney decides eligibility.
Collier County tax bills go out at the end of October and are due from November 1, with a 4 percent discount for paying in November that steps down 1 percent a month; unpaid bills become delinquent on April 1 with a 3 percent penalty. At closing, the year’s taxes are prorated between buyer and seller, and the closing agent works from the current bill or an estimate.
A Saturnia Lakes 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, lender charges and inspections. The listings show a $2,000 transfer fee and a $100 application fee; your contract and the association’s documents decide who pays them.
In Collier County, the buyer customarily pays for the owner’s title insurance policy and chooses the closing agent. 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 and $5.00 per $1,000 from $100,000 to $1,000,000, with any fraction of $100 counted as a full $100.
A loan secured by a Saturnia Lakes home 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.
Two 2026 MLS listings show a $2,000 transfer fee and a $100 application fee, $2,100 one-time. Who pays them is set by your contract and the association’s documents, and the estoppel certificate states what the association will collect at closing.
The association must deliver an estoppel certificate within 10 business days of a written request, and Florida caps what it may charge: no more than $299 on a current account, plus $119 if it is rushed and up to $179 more if the account is delinquent (Florida DBPR’s adjusted amounts under section 720.30851, next update due by July 1, 2027). The estoppel is commonly ordered and paid by the seller, though the contract decides. It is the document that states the current quarterly fee, the paid-through date and any special assessment for the home you are buying.
Florida section 720.401 requires that “A prospective parcel owner in a community must be presented a disclosure summary before executing the contract for sale.” If it comes late, the contract is voidable by the buyer “within 3 days after receipt of the disclosure summary or prior to closing, whichever occurs first. This right may not be waived by the purchaser but terminates at closing.” Saturnia Lakes is a Chapter 720 association, so the rule applies to every Saturnia Lakes purchase.
Condominium milestone inspections and structural integrity reserve studies apply to condominium and cooperative buildings, not to detached homes in a Chapter 720 association, so neither applies to a Saturnia Lakes purchase.
The MLS middle tier’s median was $831,250 and the county’s 12-month resale median was $829,000, so $830,000 is a round illustrative price. Here is what a buyer financing 80% of it 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% | $166,000 | Price less a $664,000 loan |
| Documentary stamp tax on the note | $2,324 | 35 cents per $100 of $664,000 |
| Nonrecurring intangible tax | $1,328 | 0.002 times $664,000 |
| Owner’s title insurance premium (Collier custom: buyer) | $4,225 | Promulgated rate on $830,000, 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, prepaid insurance and taxes | quoted by each provider | Not estimated here |
| Subtotal of the lines priced above, before the quoted items | about $8,395.50 to $9,412.50 | Our arithmetic |
| Transfer and application fees, if your contract assigns them to you | $2,100 | Per two 2026 MLS listings |
| Subtotal with those fees | about $10,495.50 to $11,512.50 | Our arithmetic |
The estoppel fee does not appear because it is commonly a seller cost; if your contract shifts it, the DBPR cap above applies. A cash buyer skips the two mortgage taxes and the lender’s lines. The deed stamp tax at this price, $5,810 (our arithmetic), is the seller’s by Collier custom.
On an $830,000 Saturnia Lakes home 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 $4,498.17 a month (our arithmetic). Add the master association fee, about $616.33 a month, plus taxes and insurance.
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix pull of October 27, 2026, labelled as such.
The three prices are the medians of the three MLS size tiers, rounded: $570,000, $830,000 and $1,125,000. Each assumes 20% down; the rates are Freddie Mac’s Primary Mortgage Market Survey averages for the week of November 5, 2026, 7.18% for a 30-year fixed and 6.57% for a 15-year fixed. Every figure is illustrative, our arithmetic, principal and interest only.
| Price (illustrative) | Down payment, 20% | Loan | 30-year fixed at 7.18%, monthly P and I | 15-year fixed at 6.57%, monthly P and I |
|---|---|---|---|---|
| $570,000 | $114,000 | $456,000 | $3,089.10 | $3,989.82 |
| $830,000 | $166,000 | $664,000 | $4,498.17 | $5,809.74 |
| $1,125,000 | $225,000 | $900,000 | $6,096.91 | $7,874.64 |
The survey average is a national weekly figure, not your quote. The prior week’s 30-year average was 7.24%, and a year earlier it was 6.22%. Your credit, the loan program, points and the loan size set your actual rate, and Freddie Mac publishes a new survey every Thursday.
At a verified address inside Saturnia Lakes, FEMA’s current map reads flood Zone X, an area of minimal flood hazard outside any Special Flood Hazard Area, with hurricane evacuation Zone E and about 25.3 feet of ground elevation. A flood zone attaches to a parcel, so a Saturnia Lakes buyer confirms the exact address, and Collier’s map is being redrawn.
| Measure | Value | Source |
|---|---|---|
| FEMA flood zone | X, area of minimal flood hazard, not a Special Flood Hazard Area | FEMA National Flood Hazard Layer |
| Governing FIRM panel | 12021C0214H, effective May 16, 2012 | FEMA National Flood Hazard Layer |
| Hurricane evacuation zone | E, Collier’s last-called zone | Florida Division of Emergency Management, Know Your Zone |
| Ground elevation | About 25.3 feet | USGS 3D Elevation Program |
About 25 feet of ground elevation is high for coastal Southwest Florida, and it is the physical reason this location reads Zone X on the flood map and Zone E on the surge map. A flood zone is an insurance construct and an evacuation zone is a storm-surge planning construct; they have different boundaries, and one is never evidence for the other.
Outside a Special Flood Hazard Area, federal law does not require flood insurance as a condition of a federally backed mortgage. That is not the same as saying flood insurance is unnecessary: a lender may still require it, and coverage is generally available outside a Special Flood Hazard Area. We ask for a flood quote on every Saturnia Lakes home a client is serious about, so the decision is made with a number in hand.
Collier County’s Flood Insurance Rate Map is mid-revision. The preliminary map was released on March 20, 2025, the 90-day public appeal period opened on August 19, 2026 and closes around November 17, 2026, and a new map is targeted to take effect in summer 2027, a date the county says may change. The zone on today’s effective map is not necessarily the zone that will set insurance requirements after the new map takes effect. Anyone buying in Collier County now is buying under a map scheduled to be replaced.
Use the FEMA Map Service Center address search for the current effective zone, the FEMA preliminary map viewer for the proposed one, Florida’s Know Your Zone lookup for the evacuation zone and the Collier County hazard lookup for the county’s own layers. All four are linked in the Downloadable Documents below. We run all four on every home a client puts under contract.
Florida law requires that “A seller must complete and provide a flood disclosure to a purchaser of residential real property at or before the time the sales contract is executed.” The form has been required since October 1, 2024, and its current version, with a question about past flood insurance claims, since October 1, 2025. Read it alongside the flood determination, not instead of it.
Homes in Saturnia Lakes are typically concrete block with tile roofs, built in the early 2000s with manual storm shutters as the standard protection; many owners have since added impact glass. A Saturnia Lakes buyer should read the wind mitigation report, the four-point inspection and the roof’s age before an offer, because each moves the insurance quote.
Our guide describes the community’s typical construction as concrete block with tile roofs, central water and sewer and reclaimed water for irrigation. That describes the era and the product, not every home: roofs have been replaced on different schedules, and storm protection ranges from the original manual shutters to accordion shutters to owner-retrofitted impact-rated windows and doors.
A wind mitigation inspection records the roof covering, the roof-to-wall attachment and the opening protection, and insurers use it to set wind credits. Ask for the home’s existing report early; if there is none, we order one during the inspection period. Impact-rated glass, a newer roof and hurricane straps can change both the premium and which insurers will write the home.
A four-point inspection covers the roof, electrical, plumbing and heating and cooling systems, and many insurers require one on homes of this age. Roof age is the line that most often decides whether a policy is written at all, so we get it in writing from the permit history or the seller before the review period ends.
Florida homeowners insurance pricing turns on wind mitigation features, roof age and type and the insurer’s appetite in a given ZIP code. A Zone X reading at about 25 feet of elevation is a favorable starting position, but it does not translate into a specific premium. Get two or three quotes on the exact address during your inspection period.
Saturnia Lakes rules, as current MLS record fields state them: a guard checks identification at the Immokalee Road gate, leasing is capped at 2 leases a year with a 90-day minimum and association approval, pets are allowed with approval, and deed restrictions bar recreational vehicles. Short-term and vacation rental is effectively ruled out.
The main entrance is off Immokalee Road, where a guard checks identification. A second gate onto Logan Boulevard is for residents only, per the community’s own MLS driving directions, so a visitor, a buyer or a showing agent uses the Immokalee Road entrance. Our guide does not confirm the guard’s staffing hours, so we do not claim round-the-clock coverage. The full access picture is in our Saturnia Lakes community guide.
A Saturnia Lakes owner may lease the home no more than 2 times a year, for a minimum term of 90 days, with association approval and an application fee for each lease. The practical effect is plain: short-term and vacation rental is ruled out by the rules, and a buyer who plans to lease should model annual or long-term leases only.
Pets are allowed with association approval. Our guide found no confirmed weight or number limit, so we do not invent one; if you have a specific pet, we ask the association for the current rule in writing before the review period ends.
Deed restrictions prohibit recreational vehicles. Rules on boats, trailers and commercial vehicles were not located in a primary source, so we request the recorded Declaration and current rules before you commit if any of those matter to you.
Exterior changes in a Chapter 720 association, such as a pool, a fence or solar panels, typically go through architectural review. Saturnia Lakes’ recorded standards were not located as a public document, so ask for the Declaration, the current rules and any approvals on file for the home.
The Saturnia Lakes amenity campus centers on a clubhouse with a resort pool, a lap pool, a hot tub and spa, saunas, a fitness room, a community room, billiards and a ballroom, plus four lighted Har-Tru tennis courts, pickleball, basketball and a dog park, all funded through the master fee with no club dues.
Our guide lists the clubhouse contents as a resort pool, a lap pool, a wading pool, a hot tub and spa, saunas, a fitness and exercise room, a community room, a billiards room and a ballroom. Listing remarks also mention an internet café, which is a small community-room feature rather than a restaurant; there is no dining venue on property. The clubhouse’s square footage is not stated in any primary source we located.
Four lighted Har-Tru tennis courts, confirmed through the resident portal’s court count and through listing remarks naming the surface and the lighting, mean night play on a clay-style surface. Pickleball courts appear on current MLS amenity data and are a newer addition that older descriptions of the community miss. Court reservation rules change more often than courts do, so confirm them with management.
A basketball court, a dog park, a putting green, a community park, a play area and sidewalks throughout round out the MLS amenity list. The list also includes “Beach, Private” and “Lakefront Beach” entries, which most likely describe a small sand feature at a lake edge; our guide has not confirmed it by photograph or document. There is no golf course, no marina and no club-membership tier; the full amenity history is in our Saturnia Lakes community guide.
Saturnia Lakes addresses are assigned to Laurel Oak Elementary, Oakridge Middle and Gulf Coast High for the 2026-2027 school year, per Collier County Public Schools’ own zoning tool as our guide queried it. The community sits off Immokalee Road in ZIP 34119, with Interstate 75 to the east and US 41 to the west.
| Level | School | How we know |
|---|---|---|
| Elementary | Laurel Oak Elementary School | Collier County Public Schools zoning tool, 2026-2027, as queried for our guide |
| Middle | Oakridge Middle School | Same |
| High | Gulf Coast High School | Same |
Our guide found the same assignment on 18 of the community’s 21 residential streets, with no pending rezone flagged at any level. The district reviews attendance boundaries every year, so confirm the address in the district’s zone finder for the year of enrollment.
Nearby Stonecreek and Riverstone feed Aubrey Rogers High School, which opened in August 2023 after the School Board redrew four high school boundaries; Saturnia Lakes feeds Gulf Coast High. A school list copied from an older source can miss that change. Collier County Public Schools earned an “A” district rating for 2025-2026 from the Florida Department of Education, per our guide.
Immokalee Road runs west from the gate toward US 41 and the coast and east toward Interstate 75, the route north to Bonita Springs, Fort Myers and Southwest Florida International Airport. Our guide puts downtown Naples at roughly twenty to twenty-five minutes depending on traffic and route; it does not publish a measured drive-time table, and neither do we. NCH’s North Naples hospital campus is the nearer of the system’s two acute-care campuses. Traffic on Immokalee Road varies by month, so time your own route.
Logan Landings, at Immokalee Road and Logan Boulevard, is anchored by a Sprouts Farmers Market that opened in 2019, and The Karlyn, a 159-unit apartment community, has been under development on Immokalee Road east of Logan Boulevard. Collier County opened Phase One of the Vanderbilt Beach Road Extension on June 12, 2026, a parallel east-west route. None is part of Saturnia Lakes.
A Saturnia Lakes buyer most often weighs Stonecreek and Riverstone, two nearby North Naples communities in ZIP 34119 that our guide names as the comparison set. The differences that matter are structural: size, developer, the amenity campus, the high school assignment and the tax bill. Saturnia Lakes is resale-only, detached single-family, with no golf and no CDD.
| Feature | Saturnia Lakes | Stonecreek | Riverstone |
|---|---|---|---|
| Homes | 580 single-family homes on three recorded plats | 618 lots | Not covered in depth by our guide |
| Developer | Widely attributed to GL Homes, not confirmed by a recorded document | GL Homes, confirmed | Not stated in our guide |
| Association | One Chapter 720 homeowners association | One association | Not stated in our guide |
| CDD on the tax bill | None | None | Not stated in our guide |
| Amenity campus | Clubhouse, two pools, four lighted Har-Tru courts, pickleball | A larger clubhouse campus with an indoor sports court | Not stated in our guide |
| Golf | None | Not stated in our guide | Not stated in our guide |
| Assigned high school | Gulf Coast High | Aubrey Rogers High | Aubrey Rogers High |
| Where to read more | Our Saturnia Lakes guide | Our Stonecreek guide | Our Riverstone guide |
Facts for the other two communities come only from our Saturnia Lakes guide’s comparison and schools sections; none of their prices, fees or flood readings is assumed to apply to Saturnia Lakes, and none is blended into a Saturnia Lakes figure.
Stonecreek shares the single-family product, one association, no CDD and a gated entry with Saturnia Lakes. Where the two differ for a buyer is the amenity campus, where Stonecreek’s is larger and includes an indoor sports court, and the high school, where Stonecreek feeds Aubrey Rogers. Read our Stonecreek community guide for its own market data, fees and flood posture, and our guide to buying a home in Stonecreek for its paperwork.
Riverstone sits in the same Immokalee Road and Logan Boulevard corridor and feeds Aubrey Rogers High. Our Saturnia Lakes guide names it as a comparison but does not research it in depth, so we print nothing else about it here. Read our Riverstone community guide, and if you are buying there instead, our guide to buying a home in Riverstone covers its paperwork.
We find the right Saturnia Lakes home by size tier, street and view first, then match each candidate against its MLS twins and its county resale record before we write a number. We negotiate from what the record shows: on the October 27, 2026 pull, the median Saturnia Lakes closing settled at 95.9% of its last list price.
Data updated: county sales recorded through October 16, 2026 (Collier County Property Appraiser); MLS figures from a Matrix pull of October 27, 2026, labelled as such.
We set MLS alerts on the tiers that fit your budget, under 2,200, 2,200 to 2,999 or 3,000 square feet and over, then filter by bedroom and den count, pool, and lake or preserve view. Repeated living areas across streets, such as the 3,773 square foot homes on four streets, show which homes share a floor plan, which is how we compare a new listing to its closest sold twins.
On the October 27, 2026 pull, 2 of 26 closings reached their last asking price, 8 closed below 95% of it, and days on market ran from 3 to 160 (our count from the MLS rows). Those figures span 26 different homes. A well-priced home on a sought-after lot can still draw a fast, full-price offer: a Ribbon Fan Lane home closed at its $549,000 asking price after 4 days on market. We read each listing’s own history before we suggest a number.
Collier County’s record shows 95 Saturnia Lakes homes that resold since October 17, 2021 after an earlier sale: 86 sold higher and 9 sold lower (our count). A King Sago Court home bought for $960,000 in December 2021 resold for $1,200,000 in August 2026, while a Canary Island Cove home bought for $1,550,000 in August 2023 resold for $1,275,000 in June 2026. The record does not move in one direction, and an offer should not assume it will.
Price is one line of an offer. The inspection period, the financing contingency, the closing date, the document review, and who pays the transfer fee and the estoppel are all terms we negotiate, and on a Saturnia Lakes home a long enough review period is often worth more than a small price concession.
Buyer’s agent compensation for a Saturnia Lakes 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 Saturnia Lakes showing.
NAR says offers of compensation “are no longer allowed on Multiple Listing Service (MLS) platforms. Sellers can still offer compensation off an MLS. Sellers can offer buyer concessions on an MLS”. A Saturnia Lakes 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 Saturnia Lakes listings on our team’s listing site, Domain Realty Group, and have new ones sent to you. On the Southwest Florida MLS (Matrix) pull of October 27, 2026, 10 Saturnia Lakes homes were active from $524,500 to $1,100,000; 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 pull of October 27, 2026, labelled as such.
For every active home in the community, see the current Saturnia Lakes listings on Domain Realty Group, our team’s listing site, updated from the MLS.
Set up custom listing alerts through our buying page, where saved searches route to our team, and call Marc at (239) 287-5873 for the homes that have come to market since the October 27, 2026 pull. Still choosing between parts of the city? Our Naples buyer guide covers the process citywide.
To start your Saturnia Lakes buyer consultation, call Marc at (239) 287-5873 or use the buyer consultation form on this page. We reply with the active Saturnia Lakes homes that fit your size tier, the MLS twins and county resales that match them, the estoppel and tax questions, and the flood and insurance checks.
Active Saturnia Lakes homes and matching sold rows for your size tier and street, a yearly cost sheet built from the estoppel, the tax bill and two insurance quotes, the Chapter 720 document list, the flood zone by address on the current and preliminary maps, and a plan for your first offer. It is confidential and carries no obligation.
Marc Comisar and Jesse McGreevy are top-reviewed Southwest Florida realtors, and a Saturnia Lakes 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 the Saturnia Lakes community or any home in it.
★★★★★ “Excellent! Marc was there every step of the way for us. He is exceptional in all aspects of real estate. I would highly recommend him. In 2009 Marc helped us purchase a home in Bella Terra in Estero Florida. Also, in 2020 Marc oversaw the purchase of our 2nd home in Fort Myers. You cannot find a more knowledgeable or helpful person in the real estate business.” Verified Zillow review
★★★★★ “Jesse was great from the moment we met him, during our travels to find a home, supporting us through closing and following up after the sale. He was patient while we sorted through our options and gave us honest feedback that helped us make our decision. We had many questions during the process and he always responded within a short period of time with answers or checking resources to get the information. We were referred to Jesse from friends who had connected with him through a purchase of a property and they assured us he would be wonderful to work with. He has proven himself to be personable, professional and an ally in our quest for home buying.” Verified Zillow review
★★★★★ “Marc was a very professional agent. He provided great insight and experience to sell our home quickly and for a good price. Throughout the entire process he was involved and followed up with us to ensure we did not have any questions, concerns or issues. Any time there was a potential item that could cause delays he was on top of it and made sure the process continued smoothly. Would definitely recommend and use in the future.” Verified Zillow review
These are the questions Saturnia Lakes buyers ask, answered from the Collier County record through October 16, 2026, the Southwest Florida MLS (Matrix) pull of October 27, 2026, 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.
Choose the size tier and street first, sign a written buyer agreement before touring, get a loan estimate or proof of funds, then offer with a review period long enough to read the estoppel certificate, the Chapter 720 disclosure summary, the flood determination, the wind mitigation report and two insurance quotes. Saturnia Lakes is a resale market, so every home is a negotiation with an owner.
Only detached single-family homes: 580 of them on three recorded plats, Plat One with 236, Plat Two with 90 and Plat Three with 254. There are no condominiums, villas or townhomes, whatever an aggregator page says. In the October 27, 2026 MLS pull, closed homes ran from 1,390 to 4,083 square feet of living area.
It depends on the record. Collier County recorded 25 qualified resales from October 17, 2025 to October 16, 2026 at an $829,000 median. The Southwest Florida MLS (Matrix) pull of October 27, 2026 showed 26 closings over October 27, 2025 to October 27, 2026 at a $796,250 median. They are different records and windows, so the two medians differ.
On the October 27, 2026 MLS pull, 10 homes were active, from $524,500 to $1,100,000, at a $699,500 median list price. That was 4.6 months of supply against 2.17 sales a month. The count changes every week; call Marc at (239) 287-5873 for today’s list.
On the October 27, 2026 pull, the median closing settled at 95.9% of its last list price, and only 2 of 26 homes sold at their last asking price. That ratio is against the last list price, after any reductions. It describes the past year’s closings, not the price any one seller will accept.
The median was 53.5 days on market across the 26 MLS closings on the October 27, 2026 pull, from 3 to 160 days. That counts the current listing only, so a home that was listed before and relisted can show fewer days than its full history.
The median sold price per square foot was $301.79 on MLS living area across the 26 closings on the October 27, 2026 pull: $305.40 for homes under 2,200 square feet, $319.31 from 2,200 to 2,999 and $293.90 at 3,000 and over. Homes with nearly the same living area sold hundreds of thousands of dollars apart, so per-foot averages are a poor way to price one home.
Two 2026 MLS listings (agent-entered) show a master fee of $1,849 per quarter, $7,396 per year, with a $0 special assessment, current as of September 2026 per our guide. The estoppel certificate on the home you are buying is the binding figure.
The listings’ maintenance field itemizes cable, internet and WiFi access, reclaimed irrigation water, lawn and land maintenance, the community manager, exterior pest control, the recreation facilities, security, street lights and street maintenance. The clubhouse and courts are funded inside the fee; there is no club membership or equity fee.
No. Saturnia Lakes does not appear on the Collier County Tax Collector’s lists of Community Development Districts for fiscal years 2024-2025 and 2021-2022, and two MLS sold records in the community show “Tax District Type: Not Applicable.” County-wide levies still appear on the tax bill.
Two 2026 MLS listings show a $2,000 transfer fee and a $100 application fee, $2,100 one-time. Who pays them is set by your purchase contract and the association’s documents, and the estoppel certificate states what the association collects at closing.
The estoppel is commonly ordered and paid by the seller, though the contract decides. Florida caps the charge at no more than $299 on a current account, plus $119 if rushed and up to $179 more if the account is delinquent, under section 720.30851 as DBPR adjusts it.
In Collier County the buyer customarily pays for the owner’s title insurance policy and chooses the closing agent; the purchase contract controls. The buyer always pays for the lender’s policy on a financed purchase.
On an illustrative $830,000 home with 20% down, the priced lines (note stamps, intangible tax, owner’s title premium, recording and a settlement fee) come to about $8,395.50 to $9,412.50, or about $10,495.50 to $11,512.50 if your contract also assigns you the $2,100 in transfer and application fees (our arithmetic). Lender fees, the appraisal, the survey, inspections and prepaid items come on top.
Not the seller’s. After a sale the home is reassessed at just value as of the next January 1, and Florida’s disclosure warns buyers not to rely on the seller’s current taxes. We do not print an estimate for your price; the Collier County Property Appraiser sets the assessed value and the Tax Collector bills it.
If the home is your permanent Florida residence on January 1, the homestead exemption can reduce taxable value by as much as $50,000, and Save Our Homes caps yearly growth in the homesteaded assessment at the lower of 3 percent or CPI (2.7% for 2026). A second home does not qualify.
At the Freddie Mac 30-year average of 7.18% for the week of November 5, 2026 and 20% down, principal and interest come to about $3,089.10 at $570,000, $4,498.17 at $830,000 and $6,096.91 at $1,125,000 (illustrative, our arithmetic). The association fee adds about $616.33 a month, before taxes and insurance.
At a verified address inside the community, FEMA’s current map reads Zone X, an area of minimal flood hazard outside any Special Flood Hazard Area. Zones attach to parcels, so confirm the exact address on the FEMA Map Service Center and check the preliminary map too.
Outside a Special Flood Hazard Area, federal law does not require it for a federally backed mortgage, but a lender may still require it, and Collier’s flood map is being redrawn with a new map targeted for summer 2027. Get a flood quote on the exact address before you decide.
Yes. The preliminary map was released on March 20, 2025, the 90-day appeal period opened on August 19, 2026, and a new effective map is targeted for summer 2027, subject to change. Check both the current and the preliminary map for the address you are buying.
Yes. A verified address inside the community reads evacuation Zone E, Collier’s last-called zone, on Florida’s Know Your Zone service. Collier is reported to place every part of the county in some evacuation zone, so Zone E means last called, not exempt.
No Saturnia Lakes figure is published, and we do not invent one. Premiums turn on the roof’s age and type, the wind mitigation features and the insurer. Get two or three quotes on the exact address during your inspection period, with the four-point and wind mitigation reports in hand.
Yes, within the rules: no more than 2 leases a year, a 90-day minimum term, and association approval with an application fee for each lease. Short-term and vacation rental is effectively ruled out.
Pets are allowed with association approval. No weight or number limit is confirmed in our guide’s sources, so ask the association for the current rule in writing if you have a specific pet.
No. Deed restrictions prohibit recreational vehicles. Rules on boats, trailers and work vehicles were not found in a primary source, so request the recorded Declaration and rules before you commit if they matter to you.
No. The MLS record field for Housing for Older Persons reads No.
Yes. The main entrance is off Immokalee Road, where a guard checks identification. The Logan Boulevard gate is for residents only, so buyers and showing agents use the Immokalee Road entrance. The guard’s staffing hours are not confirmed in our guide’s sources.
Exterior changes in a Chapter 720 association typically need architectural approval. Saturnia Lakes’ recorded standards were not located as a public document, so request the Declaration, the current rules and any approvals on file for the home during your review period.
A resort pool, a lap pool, a wading pool, a hot tub and spa, saunas, a fitness room, a community room, a billiards room and a ballroom, plus four lighted Har-Tru tennis courts, pickleball, basketball, a dog park, a putting green, a community park and a play area outside.
No. The MLS golf field reads “No Golf Available,” and there is no club membership or golf fee.
No. There is no marina, dock or boat storage; the water is internal community lakes, not Gulf or bay access.
Laurel Oak Elementary, Oakridge Middle and Gulf Coast High for 2026-2027, per Collier County Public Schools’ zoning tool as our guide queried it. Confirm the address in the district’s zone finder for the year of enrollment.
In North Naples, ZIP 34119, unincorporated Collier County, off Immokalee Road near Logan Boulevard, in Section 28, Township 48, Range 26. Interstate 75 is to the east along Immokalee Road.
The developer is widely attributed to GL Homes in listing copy, but no recorded document we located names it. Construction began in the early 2000s; county roll years run from about 2001 to 2006, with Plat Three somewhat later.
No. Saturnia Lakes in Naples is a separate community from similarly named communities on Florida’s east coast. Search results mix them, so check that any listing or record names Naples, ZIP 34119 and a Saturnia Lakes plat.
Two 2026 MLS listing records name FirstService Residential at (239) 591-1893 as on-site management, per our guide; the state corporate record shows a different filing address. Confirm the manager when the estoppel is ordered.
Yes. Since August 17, 2024, a written buyer agreement must come before you tour with an agent, and it states the compensation and that broker fees are fully negotiable and not set by law. We sign it at the consultation.
Yes, as long as the association’s estoppel and any approval it requires are in hand. A cash buyer skips the mortgage taxes and the lender’s lines, but the estoppel can take up to 10 business days unless it is expedited for a capped fee.
In the 12 months to October 16, 2026, Collier County recorded Saturnia Lakes resales by month as follows: 2 in October 2025 (from October 17), 2 in November, 3 in December, 1 in January 2026, 1 in February, 3 in March, 2 in April, 2 in May, 3 in June, 3 in July and 3 in August, with none recorded from September 1 to October 16, 2026. Recording follows the contract by weeks, so these show closings, not when buyers agreed to buy.
Roof age and condition, the storm protection type, the air conditioning and water heater ages, and any prior insurance claims or permitted repairs. Order a general inspection, a four-point inspection and a wind mitigation inspection, and read the permit history for pools, roofs and additions.
Still weighing a Saturnia Lakes purchase? Call Marc at (239) 287-5873 or start your Saturnia Lakes buyer consultation.
If you are selling a home before you buy in Saturnia Lakes, time the two contracts together: your down payment, the estoppel and disclosure review, the insurance quotes and the association’s approval all fall due on the Saturnia Lakes side 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 Saturnia Lakes offer to fit it, so the review periods run while you can act on them. If the home you are selling is in Saturnia Lakes, read our guide to selling a Saturnia Lakes home or start with a Saturnia Lakes home valuation, and call Jesse direct at (239) 898-6072.
Every Saturnia Lakes figure on this page traces to a source below: the Collier County record, the Southwest Florida MLS, the county, state and federal agencies that publish flood, tax, school and road data, Freddie Mac, the National Association of Realtors and the Florida Statutes. No listing portal or competing brokerage site is cited.
These are the Saturnia Lakes documents a buyer reads before an offer, each linked at the authority that publishes it: the association’s state filing, the no-CDD record, the flood and evacuation lookups, the school zone tool and the state rules that govern the sale. The Declaration, plats and current budget come through the closing agent or the association.
| Document | Publisher | What it shows a buyer | Link |
|---|---|---|---|
| 2025 annual report, Saturnia Lakes Homeowners Association, Inc. | Florida Division of Corporations | The association’s active status and filing address | Open the report |
| Annual Report, FY 2024-2025 | Collier County Tax Collector | The county’s district list, the source behind the no-CDD finding | Download the report |
| Address search | FEMA Map Service Center | The current flood zone for a specific address | Search by address |
| Preliminary FIRM viewer | FEMA Map Service Center | The proposed flood map for the address | View the preliminary map |
| Proposed Flood Insurance Rate Map announcement | Collier County | The redraw and the appeal timeline | Read the announcement |
| Know Your Zone | Florida Division of Emergency Management | The hurricane evacuation zone for the address | Look up your zone |
| Interactive Zoning Tool | Collier County Public Schools | The assigned schools for the address | Check your zone |
| Estoppel certificate fee amounts | Florida DBPR | The $299, $119 and $179 caps | Open the fee schedule |
The association’s recorded Declaration, bylaws, rules, current budget and reserve schedule were not located as public documents; they come with the estoppel certificate and the association’s resale documents at a sale, or through the closing agent.
Your Saturnia Lakes 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 Saturnia Lakes association, tax, flood 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 Saturnia Lakes, Naples, Florida,” McGreevy and Comisar represents homebuyers across Estero, Bonita Springs, Naples, Fort Myers, Lee County, Collier County and Babcock Ranch, including Saturnia Lakes, Pelican Bay and Talis Park. Our team provides honest market guidance and partner-level negotiation, starting from our Saturnia Lakes community 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.
Top 1% Real Estate Agents Nationally Since 2008
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#1 Team in Southwest Florida since 2012
McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
McGreevy and Comisar alone have over $900 million in Sales
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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 Saturnia Lakes? Start your Saturnia Lakes 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, pulled October 27, 2026 (Matrix, Development SATURNIA LAKES). Collier County Property Appraiser qualified sales recorded through October 16, 2026. McGreevy and Comisar, buy a home in Saturnia Lakes with the #5 real estate team in Florida (RealTrends 2026). Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.