What Is My Shoreham at Stonebridge Home Worth?

Updated September 2026 · By Jesse McGreevy and Marc Comisar, Domain Realty

If you own one of the 32 attached villas on Leamington Lane, the honest answer to what it is worth starts with Shoreham’s own short record, not with Stonebridge’s. Shoreham is the smallest neighborhood inside the gate and the only one built as fee-simple duplex villas, and it is the only one where the association insures, paints and reroofs the buildings. Collier County recorded 13 qualified Shoreham sales from January 2021 through August 20, 2026, from $298,000 to $725,000, and the Southwest Florida MLS shows six Shoreham closings in five years. On 24 September 2026 two villas were listed, at $675,000 and $699,000. The street, its 1996 declaration, its 2016 amendment, its fees and flood map are covered in full in our Shoreham at Stonebridge neighborhood guide, and the wider community in our Stonebridge Country Club community guide. This page does one job: it shows how a Shoreham villa is actually valued, sale by sale, from the MLS and the county’s recorded deeds, and it gives you two ways to get your own number. Use the Home Valuation form at the top of this page, or call Jesse McGreevy direct at (239) 898-6072.

What Is My Shoreham at Stonebridge Home Worth?

A Shoreham at Stonebridge villa is worth what its pool, size, condition and the state of the neighborhood’s roof reserve support against Shoreham’s own recorded sales. The eight qualified sales since January 2023 ran $576,300 to $725,000, a median of $670,000, and the latest recorded sale was $690,000 in September 2025.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

We tracked every Shoreham closing in the Southwest Florida MLS for the five years to 26 September 2026, six in all, and every qualified Shoreham deed in Collier County’s recorded sales since January 2021, thirteen in all, before we wrote a single figure on this page. No MLS window holds ten Shoreham closings, even at five years, so where the rules call for a median we list the sales themselves instead.

The short answer: a band of $576,300 to $725,000

Since January 2023 every qualified Shoreham sale on the county record has landed between $576,300 and $725,000: $590,000, $600,000 and $650,000 in 2023; $576,300, $710,000 and $725,000 in 2024; $690,000 and $699,000 in 2025. The two villas listed on 24 September 2026, at $675,000 and $699,000, sit inside the same band. An ordinary Shoreham villa in sound condition is being priced inside that band today; where inside it depends mostly on the pool, the finish and what the buyer learns about the roof reserve.

Why a Stonebridge number cannot describe a Shoreham villa

Stonebridge’s 24-month MLS median was $616,000 across 76 closings, its fee-simple median $985,000 across 19 and its condominium median $466,000 across 57. None of them describes a Shoreham villa. Shoreham is fee simple, so the condominium figure is the wrong product, and its villas share a wall and sit on lots of about 4,800 square feet, so the fee-simple figure, carried by detached pool homes in Thornbrooke, Hawthorne Estates and Manchester, is the wrong house. A valuation that borrows either one prices a Shoreham villa wrong before the first showing.

What we use instead of an automated estimate

We value a Shoreham villa from three primary records laid over one another. The Southwest Florida MLS gives us the brokered closings, the final list price, days on market and the living area the listing agent entered. Collier County’s recorded sales and 2026 preliminary roll give us every qualified deed, including the Shoreham sales that never ran through the MLS, plus base area, lot, pool, just value, taxes and homestead status for all 32 villas. The recorded 2016 amendment and the club’s fee schedules give us the insurance, roof and paint regime and the $4,560 Shoreham fee your buyer will underwrite. Then Marc walks the villa, because the interior, the pool equipment, the cage and the roof repairs between replacements are the variables no record captures.

Why Should McGreevy and Comisar Value Your Shoreham at Stonebridge Villa?

McGreevy and Comisar should value your Shoreham at Stonebridge villa because we build the number from Shoreham’s own recorded sales, on and off the MLS, we read the 1996 Third Supplemental Declaration and its 2016 amendment before we price, and we have been Top 1% Real Estate Agents Nationally Since 2008. On a 32-villa street, method decides the outcome.

The record, stated plainly

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #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
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

As the leaders of Domain Realty Group our team has closed over $2.5 billion in real estate. Those are career numbers across Lee and Collier County. If you are comparing agents across the whole city before you choose who values your villa, our guide to the best real estate agents in Naples sets the teams side by side on the public record: reviews, licence history and published production.

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more about our team at DomainRealtyGroup.com.

Our Record Behind This Page

Domain Realty, our brokerage, closed 658 transaction sides in Naples in the 60 months to October 5, 2026, $521.5 million in volume counted by side, per the Southwest Florida MLS pulled that day. McGreevy and Comisar are the #5 real estate team in Florida in the 2026 RealTrends rankings. On this page you will find the whole Shoreham market, six MLS closings and thirteen qualified county deeds, each with its source and date. Where this page needs a worked example, it walks through the most recent public record sales on the street, labelled as public sales.

Who actually writes your valuation

You get Jesse and Marc, not an assistant with a template. Jesse McGreevy builds the pricing analysis from the MLS rows and the county deeds and assembles the master association paperwork a Shoreham buyer asks for first: the estoppel, the insurance summary the 2016 amendment lets owners inspect, and the roof reserve question. Marc Comisar walks the villa and judges the interior, the pool and cage, and any roof repair history against what Shoreham buyers have actually paid. On the 2026 preliminary roll exactly half of the 32 villas, 16, carry a homestead exemption, so an owner who lives elsewhere for part of the year and wants a written opinion of value without a flight down is a common case here. Read more on the about McGreevy and Comisar page.

Why a 32-villa street makes the valuation matter more

Thirty-two villas produce two or three qualified sales in a typical year, and 2022 and the first eight months of 2026 produced none at all. At that pace the buyer, the buyer’s agent and the appraiser all measure your price against the last recorded sale on Leamington Lane and the one or two villas listed beside yours. Every Shoreham sale becomes the next buyer’s comparable, so a mispriced listing does not only cost its own seller; it resets the evidence for the other 31 owners.

The three pages that work together for a Shoreham seller

This page answers what your villa is worth. If you have decided to sell and want the full listing plan, pricing, marketing, negotiation and the master association paperwork, read our guide to selling your home in Shoreham at Stonebridge. If you are buying your next home inside the same gate, perhaps moving from a Shoreham villa to a detached home or the other way, start with buying a home in Shoreham at Stonebridge, because a qualifying existing Stonebridge owner pays a $0 capital contribution on the next purchase under the club’s FY2027 schedule. Call Marc at (239) 287-5873 for the buying side.

Key Takeaways on Shoreham at Stonebridge Home Values

These are the Shoreham at Stonebridge valuation facts that decide most prices on Leamington Lane, each drawn from the Southwest Florida MLS, Collier County’s recorded sales and 2026 preliminary roll, the recorded 2016 amendment or the club’s published documents, and each repeated with its source further down this page. Read them before you read any online estimate.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

• 32 fee-simple attached duplex villas on one street: all on Leamington Lane, house numbers 1794 to 1862, lots 100 to 131 of the Stonebridge Unit Three plat, built by Taylor Woodrow from 1996 to 2000.
• Small, repeated plans: county base area 1,612 to 1,760 square feet, median 1,630, with nine villas at exactly 1,612 and six at 1,630; lots of 0.10 to 0.23 acre, median 0.11, the smallest fee-simple lots in Stonebridge.
• Pool or no pool is the first sort: 19 of the 32 villas have a private pool, 5 a spa and 29 a screen enclosure on the 2026 preliminary roll.
• Thirteen qualified county sales since January 2021: $298,000 to $725,000, median $590,000 (n=13, the seventh sale); the eight since January 2023 ran $576,300 to $725,000, median $670,000 (n=8, the mean of $650,000 and $690,000), $5,240,300 in all.
• Six MLS closings in 60 months: $415,000 to $725,000, median $625,000 (n=6, the mean of $600,000 and $650,000), at a median 98.8 percent of final list price (n=6) and 16 days on market.
• Three of the eight recent county sales never appear among the MLS closings, including both 2025 sales, so a valuation built from the MLS alone misses the latest evidence on the street.
• Two listings, about 10.4 months of supply: $675,000 and $699,000 on 24 September 2026, against Shoreham’s county pace of 13 sales in about 67.6 months, and about 3.3 months for Stonebridge as a whole.
• The association carries the building: under the 2016 amendment it insures the villas all-risk including windstorm, with flood and liability, paints them, cleans the roofs and replaces all 32 roofs at once, funded by the $4,560 FY2027 Shoreham fee or an equal User Assessment.
• The buyer’s carrying cost: $17,600 in FY2027 club-level charges plus the $4,560 Shoreham fee, $22,160 a year, before a property tax bill whose 2026 preliminary median is $4,379. An outside buyer also brings $18,399 to the association at closing, about 2.5 to 3.2 percent of a recent Shoreham price.

How Do You Get a Free Shoreham at Stonebridge Valuation in 60 Seconds?

You get a free Shoreham at Stonebridge valuation by entering your Leamington Lane address in the Home Valuation form at the top of this page or calling Jesse McGreevy at (239) 898-6072. It takes about a minute, costs nothing, carries no obligation to list, and returns a written number built from Shoreham’s own recorded sales.

What to have ready

Your address, a line about condition, and how you would like us to reach you. If you have them to hand, four more items sharpen the first pass: whether your villa has a pool and whether the pool and cage were original, the date of any roof repair you paid for between neighborhood replacements, whether your openings are impact-rated or shuttered, and any recent estoppel or assessment letter from the association. None of it is required to start.

What happens after you submit

Jesse matches your villa’s county base area, lot and pool against Shoreham’s recorded sales, reads the listing histories of the six MLS closings for asking-versus-sold behavior, and sends a written opinion of value with every source named. If you want the in-person version, Marc walks the villa and the number tightens. You also receive the carrying cost picture your buyer will underwrite: the club charge, the Shoreham fee and what it insures, the one-time charges and the tax reset.

Request a free Shoreham at Stonebridge valuation today

Shoreham at Stonebridge recorded eight qualified sales from $576,300 to $725,000 since January 2023 and had two villas listed on 24 September 2026, so the next Shoreham seller either sets the next comparable or competes with the one beside it. Few villas here come up for sale, and the owner who sells next should call us first. Start with the Home Valuation form at the top of this page, or our free Shoreham at Stonebridge home valuation if you are reading this somewhere else, and Call Jesse direct at (239) 898-6072. If you are also buying, Call Marc at (239) 287-5873, or read how we represent buyers in Naples, so the sale and the purchase run on one timeline.

How Is a Shoreham at Stonebridge Villa Actually Valued?

A Shoreham at Stonebridge villa is valued by starting from Shoreham’s recorded sales since 2023, sorting pool villas from non-pool villas, matching county base area, then adjusting for interior condition, openings, pool equipment and the roof reserve’s health, and testing the result against the listings on Leamington Lane that week. A Stonebridge median never enters the calculation.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

Step one: confirm it is Shoreham, and read both records

The street settles the neighborhood: every Shoreham villa has a Leamington Lane address, numbered 1794 to 1862, and every Leamington Lane address is Shoreham. The records do not make it that easy. The Southwest Florida MLS carries Stonebridge sales beside separately coded Stonebridge North and Stonebridge South developments, and the county’s Unit Three plat mixes 32 Shoreham villas with 31 Thornbrooke homes and 10 Hawthorne Estates homes, so a “Unit Three” statistic is never a Shoreham statistic. We assign every closing by street and house number, then read the county’s qualified deeds for the same street, because the two lists are not the same list.

Step two: sort pool villas from non-pool villas

Nineteen villas have a private pool and 13 do not, and on a lot of about 4,800 square feet the pool is most of the outdoor space. Pool and non-pool villas are two different products that happen to share a plan. The county sales file does not flag which sales had pools, so we confirm each comparable against the roll before it enters the analysis, and we never let a pool villa price a non-pool villa without an adjustment we can defend.

Step three: match the plan, which Shoreham mostly repeats

Unlike the detached neighborhoods, Shoreham repeats its sizes: nine villas carry exactly 1,612 square feet of county base area and six carry 1,630, and the whole range is only 1,612 to 1,760. Our reading, an inference and not a builder record, is that two or three plans run down the street. That makes size nearly a constant here, so a Shoreham valuation turns on what size cannot see: the pool, the finish, the openings and the lot position.

Step four: set the base from the eight sales since 2023

The eight qualified sales recorded since January 2023 are the base, because they all sit after the 2022 repricing: $576,300 to $725,000, median $670,000. The five 2021 sales, all at or below $415,000, are evidence of what the villas are, not of what they sell for now. We read the 2024 and 2025 sales first and the 2023 sales second, and adjust the older ones with Shoreham’s own per-foot series, which ran $372 in 2023, $440 in 2024 and $427 in 2025 on the county’s base area.

Step five: price the interior, because the association owns the outside

Under the 2016 amendment the association paints the exterior walls, doors, exterior floors and the painted ceilings of the lanai and entry, cleans the roofs and maintains every lawn, so two villas on the street look much alike from the curb. The owner’s work is inside: kitchen, baths, floors, air conditioning, water heater, windows where the owner replaced them. That is where the difference between a $600,000 sale and a $725,000 sale lives, and it is why the in-person walk matters more on Leamington Lane than on most streets.

Step six: read the roof reserve and any assessment

The association replaces all 32 roofs at once when the Shoreham Committee decides, from the Shoreham roof replacement reserve or an equal User Assessment, and owners repair their own roofs between replacements. The recorded documents do not state the roof material or the date of the last neighborhood-wide replacement, and the reserve balance is not published. A buyer asks all three questions in the first week. A healthy reserve supports your price; an approaching reroof with a thin reserve reads as an assessment the buyer will subtract.

Step seven: the flood file for your lot

The FEMA test point at 1827 Leamington Lane maps in shaded Zone X on panel 12021C0193J, effective February 8, 2024, on about 9.76 feet of ground, and the association’s policy on the villas includes flood coverage. FEMA’s February 21, 2008 letter of map change covers various lots in Stonebridge Units 3 and 5, and Unit Three is Shoreham’s plat, so we check whether your lot is on it. A point on a street is not a building footprint, so the elevation certificate goes into the file beside the price.

Step eight: test against the listings and asking-versus-sold behavior

Finally we test the opinion of value against the villas actually for sale on Leamington Lane and against how the six MLS closings traded. On 24 September 2026 two villas were listed, at $675,000 after 65 days and $699,000 after 129 days. Across five years Shoreham sold at a median 98.8 percent of final list, but the individual ratios ran from 88.89 to 101.22 percent, and the two slowest sales took the deepest cuts.

What Have Shoreham at Stonebridge Villas Sold For?

Shoreham at Stonebridge villas recorded six Southwest Florida MLS closings in the five years to 26 September 2026, from $415,000 to $725,000, and thirteen qualified Collier County sales from January 2021 through August 20, 2026, from $298,000 to $725,000. No MLS window reaches ten sales, so we list every sale rather than lean on a median.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

Every Shoreham MLS closing in 60 months

Source: Southwest Florida MLS Matrix, the Stonebridge development, closed 26 September 2021 to 26 September 2026, retrieved 26 September 2026, assigned to Shoreham by street and house number. Sold-to-list divides the sold price by the final list price at close. None of the six was entered after the fact without a marketed list price, so all six count in sold-to-list.

The MLS windows at 24, 36 and 60 months

Source: Southwest Florida MLS Matrix, retrieved 26 September 2026. First MLS window with ten or more Shoreham closings: none. Every even-count median is the mean of the middle pair and is shown for direction only. MLS living-area price per square foot is never compared with the county base-area figures below.

The thirteen county-recorded sales, year by year

Source: Collier County Property Appraiser, 2026 preliminary roll and its qualified-sale flags, files dated 29 August 2026. “Qualified” is the county’s code for an arm’s-length sale; the other recorded deeds, 18 of 31 over the period, were transfers the county did not treat as market sales. Thirteen is the first count of ten or more reached by widening the window year by year, which is why the window starts in January 2021. The median of 13 is the seventh sale in price order.

The eight sales since January 2023, in price order

Source: Collier County Property Appraiser sales file, 29 August 2026. Median $670,000 (n=8, the mean of $650,000 and $690,000); total $5,240,300 by our sum. The 2024 range is the widest of any year, $576,300 to $725,000 inside nine months on the MLS dates, which is the clearest sign that condition and features, not the calendar, set a Shoreham price.

The sales the MLS did not see

Laid side by side, the two records disagree in a way that matters to a Shoreham seller. Of the eight qualified county sales since January 2023, three do not appear among the six Shoreham MLS closings: a $590,000 sale recorded in 2023, and both 2025 sales, $690,000 at 1827 Leamington Lane in September and $699,000. The MLS pull holds no 2025 Shoreham closing at all. Whether each sold privately, was entered under another name or simply never reached the listing service, the records do not say, and we will not invent a reason. What the comparison shows is that the two most recent Shoreham prices are invisible to a valuation built from MLS data alone, which is why this page reads both layers.

The most recent MLS sale, walked through: 1795 Leamington Lane

This is a public record sale, not a McGreevy and Comisar transaction, and we walk through it because it is the latest Shoreham sale with a full public listing history. On 18 October 2024, 1795 Leamington Lane closed at $725,000 after 26 days on market, against a final list price of $749,900: 96.68 percent of list, $24,900 below the ask. It carried 1,622 square feet of MLS living area, $447 a foot, and it is also the $725,000 high on the county’s 2024 record, the highest qualified Shoreham price since at least 2021. The seller’s documentary stamp tax at $0.70 per $100 came to about $5,075 under section 201.02. An outside buyer paid the association on the schedule of the day; at today’s FY2027 figures the same purchase would carry $18,399, about 2.5 percent of the price. Three lessons sit in one sale: the top of the Shoreham band is reachable, it was reached with a list price just above it and a short negotiation, and 26 days is what a well-priced villa takes on this street.

The slow sale and the deep cut: 1806 and 1810 Leamington Lane

Two other MLS closings show the opposite. 1806 Leamington Lane listed last at $589,900, sat 186 days and closed at $576,288 in July 2024, the lowest Shoreham price since 2021 on the MLS record. 1810 Leamington Lane, 1,640 square feet, listed last at $675,000 and closed at $600,000 after 65 days in February 2023, 88.89 percent of list, $75,000 below the ask. Two weeks later 1842 Leamington Lane, 1,639 square feet, one square foot smaller, closed at its full $650,000 list price after 3 days. Same street, same plan size, same month: $50,000 apart and 62 days apart on market. The record does not say which had a pool or a newer kitchen, which is exactly why we walk the villa.

The latest county sale: 1827 Leamington Lane

On 5 September 2025 the Collier County Clerk recorded 1827 Leamington Lane at $690,000, coded as a qualified sale. The villa carries 1,612 square feet of county base area, the most common Shoreham size, so the deed works out to $428 per base square foot. It is $35,000 below the 2024 high and $9,000 below the other 2025 sale, and it sits between the two September 2026 asking prices. It does not appear among the MLS closings, so it has no public list price or days on market. For a seller with a 1,612 square foot villa, it is the single most relevant comparable on the record.

What Does Price per Square Foot Tell You About a Shoreham Villa?

Price per square foot tells you where a Shoreham at Stonebridge villa sits against its own street, not what it is worth. The six MLS closings ran $255 to $447 per MLS living square foot, median $381, while the county’s latest sale recorded $428 per base square foot, because the two systems divide by different areas.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

MLS living area and county base area are different square feet

The MLS divides the sale price by the living area the listing agent entered: 1,622 to 1,640 square feet on the six closings, and 1,620 and 1,632 on the two September 2026 listings. The county divides by its own base area for the residence, 1,612 to 1,760, and also carries an adjusted area of 1,976 to 2,103 square feet, median 2,010, which weights in space such as a garage or covered lanai. On the median villa the gap between base and adjusted area is about 380 square feet. Neither figure is wrong, and neither may be restated against the other, so always ask which square foot a quoted figure divides by.

Why size barely moves a Shoreham price

Because Shoreham repeats its plans, the six MLS closings span only 18 square feet of living area, 1,622 to 1,640, while their prices span $415,000 to $725,000. On this street the per-foot figure is almost entirely a price figure in disguise: it tracks the date of the sale and the villa’s condition, not its size. The two highest per-foot sales, $447 and $437, were the two highest prices, on villas of 1,622 and 1,625 square feet.

How the Shoreham ladder compares with its neighbors

On the MLS over 60 months, Shoreham’s median was $381 per living square foot (n=6), against $483 in Thornbrooke (n=33); over 36 months $437 (n=3) against $501 (n=18). On the county’s base area in the twelve months to August 20, 2026, Shoreham’s one sale recorded $428, against a Thornbrooke median of $490 (n=7) and condominium medians from $276 in Willow Bend (n=6) to $357 in Braeburn (n=4). Shoreham sits between the detached homes and the condominiums on the per-foot ladder, which is what its product is: land you own, a wall you share.

How to use price per square foot on your own villa

Compare your figure only with Shoreham’s own recorded sales on the same measure, never with a Stonebridge or Naples average. Because nearly every villa is the same size, use the per-foot figure to place a sale in time and condition, then let the pool, the interior and the roof reserve move the number. Treat any figure built on three sales or fewer as a direction rather than a rate.

How Long Do Shoreham Villas Take to Sell, and How Close to Asking?

Shoreham at Stonebridge’s six MLS closings over 60 months took a median 16 days and sold at a median 98.8 percent of final list price (n=6), against 96.8 percent for all 190 Stonebridge closings in the same window. The range was wide: 0 to 186 days, and 88.89 to 101.22 percent of list.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

Sold to list, sale by sale

The Shoreham record reads like two kinds of listing. Four villas were priced at or near the evidence and closed at 96.68 to 101.22 percent of list in 0 to 26 days: 1858 in 2021, 1842 in 2023, 1826 and 1795 in 2024. Two were not: 1810 took 65 days and 88.89 percent in 2023, and 1806 took 186 days and 97.69 percent of a list price already cut to $589,900 in 2024. The median of 98.8 percent hides that split, and the split is the lesson.

Against the Stonebridge yardsticks

This is the benchmark a Shoreham seller should use, because it compares named neighborhoods on the decision variables that set a listing strategy, all from the same MLS pull.

Source: Southwest Florida MLS Matrix, the Stonebridge development, retrieved 26 September 2026, each closing assigned to its neighborhood by street and house number; Braeburn’s published sold-to-list figure is for its first ten-closing window, 24 months, so it is not shown here. Over 24 months the Stonebridge yardsticks are 76 closings at 95.4 percent (n=75) with a median of 31 days; fee-simple 19 at $985,000 and 95.5 percent; condominiums 57 at $466,000 and 95.3 percent. Shoreham’s one 24-month closing sold at 96.7 percent in 26 days. Sold Data Entry closings are excluded from sold-to-list.

Months of supply on a street with two listings

On 24 September 2026 the MLS showed nine Stonebridge actives, and two of them were Shoreham villas: 1843 Leamington Lane at $699,000 with 1,620 square feet and 129 days on market, and 1814 Leamington Lane at $675,000 with 1,632 square feet and 65 days. That is $431 and $414 per living square foot by our arithmetic, both above every MLS closing on the street except the $447 high. On the county’s pace, 13 sales in about 67.6 months, two listings are about 10.4 months of supply, against about 3.3 months for all of Stonebridge on its twelve-month MLS pace. Shoreham holds 2 of the 9 actives with 4 percent of the club’s 799 homes.

What 129 days on market means for the next listing

A listing that has sat 129 days tells the next buyer where the market is not yet willing to go. The two current asking prices sit at or above the 2025 recorded sales, $690,000 and $699,000, and within $26,000 of the 2024 high. A seller who lists a third villa into that queue is priced against both of them, and against the buyer’s knowledge that one has waited four months. We price a new Shoreham listing to be the one that sells, not the third one that waits.

Seasonality on the deed record

Across all of Stonebridge, December through May recorded 24 of the 35 qualified county sales in the twelve months to August 20, 2026, about 69 percent, and recording dates trail contracts by weeks. Shoreham’s own MLS closings fell in February, March, April, July and October. A Shoreham villa that is priced, inspected and documented by October meets the most buyers.

The pricing strategy that follows from these numbers

On Leamington Lane the villas that priced to the record closed fast and near list, and the two that did not gave back 11 percent or waited six months. That argues for a list price the recorded sales support, a documented file handed to the buyer’s agent with the listing, including the association’s insurance summary and the roof reserve answer, and a price that stands apart from whatever is already sitting on the street.

How Have Shoreham at Stonebridge Values Changed Since 1996?

Shoreham at Stonebridge values have roughly tripled since the villas were new: Taylor Woodrow’s original sales from April 1996 to March 2000 had a median first price of $196,700, the five 2021 sales a median of $359,900, and the eight sales since January 2023 a median of $670,000.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

From $196,700 to $725,000

The first sale of each Shoreham villa, recorded from April 1996 to March 2000, had a median price of $196,700 on the county’s sales history. Today’s eight-sale median of $670,000 is about 3.4 times that figure by our arithmetic, over roughly 27 years. The county dates the villas 6 in 1996, 6 in 1997, 12 in 1998, 4 in 1999 and 4 in 2000, every count even, as two halves of a duplex would be.

The 2021 to 2023 repricing

Shoreham repriced with Naples. The five qualified 2021 sales ran $298,000 to $415,000, median $359,900 and $220 per county base square foot. None of the four 2022 deeds was coded as a qualified sale. By 2023 the three qualified sales ran $590,000 to $650,000 at $372 a base foot, and by 2024 $576,300 to $725,000 at $440. The 2025 pair recorded $427. On five, zero, three, three and two sales a year, that is real movement on a small sample, not a smooth index, and we publish no annual percentage from it.

What has happened since the 2024 high

Since the $725,000 closing in October 2024 the record shows two 2025 sales below it, $690,000 and $699,000, no qualified sale in 2026 through August 20, and two listings in September 2026 at $675,000 and $699,000. Our reading is that Shoreham has held its 2023 to 2025 band rather than kept climbing: a plateau, not a fall, on a series too thin to call more precisely than that.

What the county says a Shoreham villa is worth

The 2026 preliminary roll puts the median Shoreham just value at $553,160 (n=32, the mean of $552,160 and $554,161), from $503,986 to $621,810, and the median preliminary 2026 tax bill at $4,379. Just value is the county’s January 1 estimate for tax purposes, set by one method for every parcel. The latest sale, $690,000, was about 25 percent above the median just value, so the roll is useful for ranking villas on the street and useless as a list price.

How the Shoreham fee has moved

From FY2019 to FY2027 the Shoreham fee rose 38 percent, against 101 percent for the club-level charge, by our arithmetic. Most of the increase came between FY2022 and April 2025, and the club does not state why. Because the building insurance sits inside this fee, its premium is the first line a buyer asks about. For a valuation it means a 2021 comparable was bought by a buyer facing a $3,300 fee and a club charge about half today’s, so a 2021 price is evidence of the villa, not of today’s carrying cost.

What the trend means for your valuation

For a Shoreham seller, the series is the time adjustment: a 2021 comparable at $220 a base foot describes a different market, and the eight sales since 2023 are the evidence. With no qualified sale in the first eight months of 2026, the 2024 and 2025 sales carry the most weight, and the two current listings show the ceiling the market is testing. That is why we price from the 2024 and 2025 sales and read the 2023 ones for direction.

Shoreham at Stonebridge vs Thornbrooke at Stonebridge: Which Holds More Value?

Thornbrooke at Stonebridge holds more value per home and per square foot than Shoreham at Stonebridge on the recorded sales, a 60-month MLS median of $930,000 against $625,000 and $483 against $381 per living square foot. Shoreham offers fee-simple land inside the gate for about two thirds of the Thornbrooke price, with the association carrying the building.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

Both neighborhoods were created from the same Stonebridge Unit Three plat by the same 1996 Third Supplemental Declaration, both are fee simple under the master association, and both carry the same $17,600 club layer, so the buyer who tours one almost always tours the other. That makes Thornbrooke the comparison your Shoreham buyer will actually make, and our Thornbrooke at Stonebridge guide covers that neighborhood in full.

The decision table

Sources: the 1996 Third Supplemental Declaration and the 2016 Shoreham amendment (OR 5289, Page 771); Collier County Property Appraiser, 2026 preliminary roll and qualified sales; the club’s FY2027 schedule; FEMA National Flood Hazard Layer; Southwest Florida MLS Matrix, retrieved 26 September 2026. Even-count medians are the mean of the middle pair.

Who should choose which, and what it means for your price

A buyer who chooses Shoreham wants to own land inside the gate for well under a Thornbrooke price, values a courtyard pool over a yard, and would rather pay a larger neighborhood fee than place building insurance, paint and a roof on their own; that buyer accepts a shared wall and a small lot. A buyer who chooses Thornbrooke wants a detached home, a larger lot, a pool on nearly every home and control of the roof and the policy, and pays about $300,000 more for it on the 60-month medians. We price a Shoreham villa for the first buyer, laying Shoreham’s record beside Thornbrooke’s so the gap reads as a different product rather than a discount the buyer can ask for. The Thornbrooke owner has the mirror-image page, our Thornbrooke at Stonebridge home valuation, and a buyer who reads both sees the same method applied to both neighborhoods.

How the comparison enters the number

The comparison enters a Shoreham valuation in two places. First, Thornbrooke’s floor reaches toward Shoreham’s ceiling: one Thornbrooke home recorded at $617,000 in the latest county year, below the two current Shoreham asking prices, so an untouched Thornbrooke house can compete with a renovated Shoreham villa and condition has to be priced honestly on both sides. Second, the carrying cost cuts both ways: a Shoreham owner pays $2,148 a year more in association charges, and the building policy, paint and roof reserve sit inside that $2,148. We show the buyer both columns, because which costs less over a decade depends on a premium and a roof cycle neither neighborhood publishes.

Why Do Online Estimates Miss on Shoreham at Stonebridge Villas?

Online estimates miss on Shoreham at Stonebridge villas because an automated model sees two or three sales a year, cannot see the recent Shoreham sales that never ran through the MLS, cannot read a recorded amendment that moves the building insurance and roof to the association, and cannot tell a pool villa from a non-pool villa of the same plan.

Data updated: September 2026 (Southwest Florida MLS Matrix, retrieved 26 Sep 2026; Collier County Property Appraiser sales file, 29 Aug 2026)

Two or three sales a year starves a model

An automated valuation model needs a steady flow of nearby, similar sales. Shoreham produced none in 2022 and none in 2026 through August 20, and no MLS window holds ten of them even at five years. A model fills the gap from somewhere else, which on Leamington Lane means Thornbrooke’s detached homes or the Stonebridge condominiums, neither of which is a Shoreham villa.

The latest evidence never touched the MLS

Both 2025 Shoreham sales, $690,000 and $699,000, and a $590,000 sale from 2023 do not appear among the MLS closings. A model that reads listing data sees a Shoreham market that stopped in October 2024, and misses the two most recent prices on the street.

A model cannot read the 2016 amendment

A Shoreham villa is fee simple, like a detached house, and insured, painted and reroofed by its association, like a condominium. No data feed carries that. A model that classes it as a single-family home prices it against houses with the owner’s insurance and roof costs; a model that classes it as an attached unit prices it against condominiums with a separate association, a separate budget and a second estoppel. Both are wrong, and they are wrong in opposite directions.

Pool and non-pool villas look identical in the data

Nineteen villas have a pool and 13 do not, on plans that repeat to the square foot. A model that matches on size, beds and year built treats them as the same house. On a lot of about 4,800 square feet they are not, and the county sales file does not flag which sales had pools, so even a careful model cannot sort them without the roll.

The name traps in the public record

This Stonebridge is the gated club community in North Naples, not Stonebridge Golf and Country Club in Boca Raton, and not the separately coded Stonebridge North and Stonebridge South developments in the MLS. This Shoreham is not Shoreham-by-Sea in England or Shoreham on Long Island, and it has no association of its own for a model to find. A model that inherits any of those groupings is valuing the wrong comparables before it starts.

The club bundle and the fee layer

Every Shoreham sale conveys a club membership the buyer cannot decline and the seller cannot keep: “When you purchase a home in Stonebridge, you are automatically a member of the country club,” per the club, which adds that “there are no equity or deposits required to become a member.” The $22,160 annual carrying cost of that bundle and the Shoreham fee sit inside every Shoreham price. A model comparing your villa with a non-club villa of similar size nearby is comparing two different bundles.

What to do with an online estimate you have already seen

Treat it as a rough floor, not a list price, and ask for a written opinion of value built from Shoreham’s own thirteen recorded sales, with every source named. The Home Valuation form at the top of this page starts exactly that, free.

What Does the Shoreham Association Carry, and How Does It Change Your Value?

The Shoreham at Stonebridge association carries the building’s insurance, exterior paint, roof cleaning and all-at-once roof replacement under Section 3 of the 1996 Third Supplemental Declaration as amended in 2016 (OR 5289, Page 771). That regime is Shoreham’s single biggest valuation variable after the pool, and no other Stonebridge fee-simple neighborhood has it.

Data updated: September 2026 (Stonebridge Country Club FY2027 fee schedule dated 2 Sep 2026; recorded 2016 Certificate of Amendment, OR 5289, Page 771)

What the association does, in the amendment’s words

Under Section 3.C the master association, “in coordination with the Shoreham Committee,” maintains every Shoreham lawn and the common areas beside them, runs each lot’s irrigation tied to the central system, cleans the roofs and paints the exterior walls, doors, exterior floors and painted lanai and entry ceilings, and replaces all the roofs at once when the committee decides. Section 3.I adds the association’s property insurance on “all of the Shoreham insurable property,” all-risk including windstorm, with flood coverage and liability. Each job is paid from Shoreham reserve or budget funds, or by a “User Assessment levied equally against all Units.”

What the owner keeps

The owner keeps everything inside the villa; roof repairs between neighborhood replacements, because “The Owner shall be responsible for repairing the dwelling’s roof”; a share of the party wall; insurance on contents and interior finishes; and any improvement the owner or a prior owner added beyond the builder’s standard ones, such as a later pool cage. An owner may not repaint the exterior or take over the association’s jobs without written approval from the Shoreham Committee and the Board.

Why that raises some values and lowers others

For a buyer who wants a lock-and-leave home on owned land, the regime is the product, and it supports a Shoreham price against a condominium of similar size. For a buyer comparing total cost with a Thornbrooke house, it is $2,148 a year more in fees with the insurance, paint and roof reserve inside. For a seller, the regime turns two questions into price: what the roof reserve holds, and whether a User Assessment is coming. A funded reserve is value the buyer inherits; a thin one is a cost the buyer subtracts.

The party wall rule every buyer reads

Sections 3.E to 3.H make the common wall between two villas a party wall “for the perpetual benefit of” both owners, split uninsured repairs equally unless one owner caused the damage, and state that “No Owner shall have the right to cut windows or other openings in the party wall, nor make any alterations, additions, or structural changes thereto.” A buyer who plans to open a wall learns it cannot be done. We say it in the listing so the buyer who stays is the buyer who closes.

The insurance summary, and why it belongs in the listing file

The amendment says a summary of the coverage and copies of the policies “shall be available for inspection by Owners or their authorized representatives upon request.” A buyer’s insurer, and some lenders, ask who insures the building before they quote the owner’s contents policy. A seller who hands over the association’s coverage summary with the listing removes the question that stalls most Shoreham contracts in the first week.

What Costs Will a Shoreham Buyer Price Into Your Offer?

A Shoreham at Stonebridge buyer prices four recurring and one-time costs into an offer: the FY2027 club-level charge of $17,600, the $4,560 Shoreham fee, a property tax bill reset to the purchase price, the owner’s contents policy, and $18,399 paid once to the association at closing.

Data updated: September 2026 (Stonebridge Country Club FY2027 fee schedule dated 2 Sep 2026; Collier County Property Appraiser 2026 preliminary roll, 29 Aug 2026)

The club bill, line by line

For fiscal year 2027 (October 1, 2026 to September 30, 2027), every Stonebridge residence pays $17,600 a year in club-level charges, billed quarterly at $4,400. The club’s two FY2027 documents label these two lines oppositely: the fee schedule PDF lists the Master Base Assessment at $2,667 and Capital Reserves at $2,869, while the Cost of Ownership web page lists Capital Reserves at $2,667 and Master Association Fees at $2,869. Together they are $5,536 either way. FY2026 (prior year): $16,680 in club-level charges, including $8,732 in country club dues, as the club published it before the FY2027 schedule replaced it.

The Shoreham fee on top

The club’s FY2027 schedule lists the Shoreham neighborhood fee at $4,560 a year, billed quarterly at $1,140, and says it “includes limited P&C Ins. & Reserves”; the Cost of Ownership page says it includes “liability and flood insurance, roof and painting reserves.” Added to the club layer, a Shoreham villa carries $22,160 a year, about $1,847 a month, by our arithmetic. It is the highest of the four fee-simple neighborhood fees, against Thornbrooke’s $2,412, Manchester’s $2,916 and Hawthorne Estates’ $3,420, and below every condominium fee, $5,300 to $7,800 for calendar 2026.

The one-time charges and the capital contribution

An outside buyer pays a one-time, non-refundable New Owner Capital Contribution of $17,500 to the association at closing. The Declaration says “a non-refundable contribution shall be made by the purchaser,” so under the club’s documents it is the buyer’s charge, though every cost in a contract is negotiable. The club’s FY2027 fee schedule lists the existing-owner (internal) capital contribution as $0. Its Cost of Ownership page words the rule this way: current residents “do not pay a resale if they are a single home owner and purchase within one year of the sale of their previous home.” Buyers moving within Stonebridge should confirm eligibility with the association’s Controller before contract. On a $576,300 to $725,000 Shoreham price the $18,399 is about 2.5 to 3.2 percent, a larger share than on any detached Stonebridge home, so it weighs on a Shoreham offer more than on a Thornbrooke one.

How the contribution went from about $6,197 to $17,500

Until April 2025 the contribution followed a formula in the Declaration, half of that year’s club dues and base assessment, which came to about $6,197 for an outside buyer in FY2025. The club announced a change effective April 25, 2025 (capped at $17,768), published $15,000 in May 2025, and lists $17,500 for FY2027. We have not located the recorded amendment to the Declaration that made the change. For a Shoreham valuation it matters: the 2023 and 2024 buyers paid about $11,300 less to the association than an outside buyer pays today, so the same price now asks more cash at closing.

The renovation fee and the estoppel

The renovation fee is part of quarterly dues, not a balance due at sale. The $1,920 line is billed at $480 a quarter until the loan is paid off in February 2035, per the club; on our reading of that billing, a seller owes only the installments due through closing. The master estoppel is $299 for FY2027 (it was $250 from FY2021 through FY2025), ordered from the association’s Controller’s office, and one certificate covers both the club charges and the Shoreham fee, because Shoreham has no separate association.

The tax reset your buyer inherits

Florida’s Save Our Homes cap follows the owner, not the villa, and 16 of the 32 Shoreham villas carry a homestead exemption on the 2026 preliminary roll. The median preliminary 2026 bill is $4,379, at 9.4020 mills on the preliminary roll for Stonebridge’s taxing area, proposed rather than adopted. Under section 193.155 a homestead’s assessed value resets to just value after a change of ownership, and the seller’s exemption does not pass to the buyer. At that rate each $100,000 of taxable value costs about $940 a year. That is the mechanism, not a quote for any villa.

No CDD, and no master special assessment on the record

Stonebridge has no community development district and no special-district or MSTU assessment; every one of its roll parcels carries $0 in non-ad-valorem assessments on the 2026 preliminary roll. No master-association special assessment appears in the club’s published schedules from FY2019 through FY2027; the 2023 renovations were financed with a loan repaid through the renovation fee line. Shoreham is different in one way: its own work can be billed to the 32 owners as an equal User Assessment, so ask the association in writing whether one is planned before you list.

What Does a Shoreham Seller Owe a Buyer Before Contract?

A Shoreham at Stonebridge seller owes the buyer the section 720.401 disclosure summary before the contract is signed, because Shoreham villas are fee-simple parcels in a mandatory Chapter 720 homeowners association. The condominium regime in Chapter 718 that governs six other Stonebridge neighborhoods does not reach Shoreham, although its association insures the villas.

Data updated: September 2026 (Florida Statutes sections 720.401, 720.30851, 718.116, 689.302 and 689.261, retrieved Sep 2026; Stonebridge Country Club Amended and Restated Declaration, member-era copy)

Section 720.401 and the master association

Stonebridge Country Club Community Association, Inc. is the mandatory master association for all 799 Stonebridge residences, and Shoreham has no corporation of its own; its owners elect an advisory Shoreham Committee. Section 720.401 requires that a prospective parcel owner be presented a disclosure summary before executing the contract for sale, supplied by the parcel owner on a resale, and the contract must carry the statutory voidability clause in conspicuous type. If the summary is not provided first, the buyer may void the contract within three days after receiving it or before closing, whichever occurs first, and that right cannot be waived. For a Shoreham seller the statute plainly applies, and we deliver the summary with the listing paperwork so the contract never carries that exit. Our research did not establish whether the Stonebridge Declaration restates this duty or names who owes it, so this page makes no claim about the covenant, only about the statute.

The Chapter 718 fork, and why it does not reach Shoreham

Section 720.401 states that it does not apply to an association regulated under Chapter 718, and six Stonebridge neighborhoods, Ashton Oaks, Braeburn, Carrington, Heatherwood, Middleburg and Willow Bend, are condominiums with their own associations under that chapter, where a resale runs through section 718.503’s document package, a second estoppel from the condominium association capped at $299 under section 718.116(8) plus any expedite charge, and may also involve the master summary. Shoreham is not one of them. A condominium exists only when a declaration of condominium is recorded under Chapter 718, and Shoreham has none: its owners hold fee title to platted lots, and the 2016 amendment adds condominium-like duties without creating condominium units. So the Chapter 720 path is the only one for a Shoreham villa, and the condominium milestone-inspection and structural reserve study laws do not reach it. If you own in Stonebridge on more than one street, confirm the correct package for each sale with your closing agent or attorney. This is general information and not legal advice.

The estoppel certificate and a buyer’s liability

The master association issues the estoppel certificate stating what is owed at closing, $299 for FY2027 under the section 720.30851 cap as reset in 2024, plus $119 for delivery within three business days and $179 on a delinquent account. It covers the club charges, the Shoreham fee and any User Assessment. Under the Declaration and Chapter 720, assessments are a lien on the villa and a buyer is jointly and severally liable with the seller for assessments unpaid at transfer, which is why every open balance is cleared at closing. In Collier County custom the estoppel fee is a seller cost unless the parties agree otherwise, so we order it the day a contract is signed.

The flood disclosure and the property tax summary

Since October 1, 2024, section 689.302 requires a residential seller to disclose at or before contract whether the seller filed a flood insurance claim on the property and whether the seller received federal flood assistance for it; a 2025 amendment added whether the seller knows of flooding that damaged the property during the seller’s ownership. At Shoreham the association carries the flood policy on the building, so ask the association about any building claim before you answer. Section 689.261 separately requires a property tax disclosure summary warning the buyer not to rely on the seller’s current taxes, which matters on every homesteaded Shoreham sale, because the buyer’s bill resets.

The other items a buyer’s attorney will find

These are the Shoreham facts a buyer’s attorney will find, and they are better coming from you: mandatory membership and the $17,500 contribution with its 2025 change; the renovation fee to 2035; the 2016 amendment, its insurance clause and its User Assessment clause; the party wall rule; the leasing limits of 30 days minimum and four leases a year; whether your pool and cage were original, because added improvements are the owner’s to insure; and the Airport-Pulling Road widening on Stonebridge’s west side, the side Leamington Lane sits on, which the county anticipated would begin in June 2026 and last up to two years, with no noise wall. Raise those items before the buyer does.

What Moves the Number Before You List a Shoreham Villa?

What moves a Shoreham at Stonebridge villa’s number before listing is the evidence a buyer’s insurer, lender and inspector will ask for: the association’s coverage summary, the roof reserve answer, a four-point and wind mitigation report, the pool and cage history, the flood file for the lot, and presentation timed to the winter buyer pool.

Data updated: September 2026 (FEMA National Flood Hazard Layer and revalidation letter 18-04-0009V, retrieved Sep 2026; Collier County Property Appraiser 2026 preliminary roll, 29 Aug 2026; Stonebridge Country Club hurricane shutter standards and open house rules)

The association’s coverage summary and the roof reserve answer

Two documents that no other Stonebridge house seller needs are the first two in a Shoreham listing file: the association’s summary of its policy on the Shoreham buildings, which owners may inspect on request under Section 3.I, and a written answer from the association on the roof replacement reserve, the committee’s timetable and any planned User Assessment. Chapter 720 section 720.303 lets owners inspect the association’s official records, including budgets and reserves. Request both before you list, so the answers are in hand when the buyer asks.

Four-point and wind mitigation, on a villa the association insures

Florida insurers underwrite a four-point inspection of roof, electrical, plumbing and HVAC, and a wind mitigation report on the state’s form OIR-B1-1802, valid for up to five years absent material changes. Because the association insures the Shoreham building, the buyer’s own policy is usually a contents and interior policy, and which form fits a fee-simple villa is a question for the buyer’s insurance agent. Every villa was built from 1996 to 2000, before Florida’s first statewide building code took effect on March 1, 2002, and Stonebridge lies between the 160 and 170 mph lines on the code’s Risk Category II wind map, inside the wind-borne debris region, so replacement openings must be impact-rated or protected. Impact glass you installed is interior value the buyer can see.

Pool, spa and screen enclosure records

Nineteen villas have a pool and 29 have a screen enclosure. Under Section 3.I(3) as we read it, an improvement the owner or a prior owner added beyond the builder’s standard ones, such as a later cage, is the owner’s financial responsibility, so whether your pool and cage were original is a question the buyer’s insurer asks. The age of the pump, heater and surface, any resurfacing or equipment permit, and the cage’s condition are inspection items. A recent invoice removes a large negotiation.

The flood file and the 2008 letter

The ground at the 1827 Leamington Lane test point reads 9.76 feet NAVD88 on USGS lidar, and the state’s surge planning layer puts it in the Category 2 zone, a planning model and not a forecast. FEMA’s February 21, 2008 letter of map change covers various lots in Stonebridge Units 3 and 5 and was revalidated in letter 18-04-0009V with the 2024 maps; if your lot is on it, keep the letter and any elevation certificate in the listing file. Collier County is a Community Rating System Class 5 community, and its Flood Info Hotline, (239) 252-2942, will check whether the county holds an elevation certificate on file.

Architectural review lead time

The Architectural Review Committee approves any exterior change, including windows, shutters, a pool, a cage or landscaping, and at Shoreham the Shoreham Committee and the Board must also approve anything touching the association’s exterior work. A seller who plans exterior work before listing needs both calendars in the plan, or the work lands after the season has started.

The grant program that may fit Shoreham

Florida’s My Safe Florida Home program serves homesteaded homes built before 2008 with an insured value of $700,000 or less, including attached homes of three stories or less on their own parcel, under section 215.5586. By our inference Shoreham’s 16 homesteaded villas are among Stonebridge’s likeliest to qualify, but because the association insures the building and replaces the roofs, raise any grant work with the Shoreham Committee first.

Timing against the season

The club runs on a season, with peak golf pricing from January to April, and across Stonebridge December through May recorded most of the latest year’s qualified sales. Have the villa inspected, photographed, documented and priced before the seasonal buyers return in the fall.

Open houses, signs and the gate

Stonebridge has its own rulebook. An open house must be registered with the association office by 1:00 p.m. Friday, only the approved 18 by 12 inch green-on-white “Open House” sign may be used, from noon to 5 p.m. and no more than twice a week, and a side-street home such as one on Leamington Lane may add one sign at the Winding Oaks Way corner. No “For Sale” signs may go on the home or in a vehicle, and every showing passes the guarded gate. A Shoreham listing has to reach its buyer before the buyer reaches the gate.

Sell, hold or lease

A Shoreham villa may be leased for at least 30 days, no more than four times a calendar year, whole villa only and in writing, under the master Declaration, and tenants use the club at renter rates. Holding keeps the $22,160 association bill and a non-homestead tax bill in play, while the association keeps the lawn and exterior maintained whoever lives inside. A tenant in place means showings run through the tenant and the gate, so if you are weighing a sale, match the lease end to the expected closing. A written valuation is the input to that decision, not the output of it.

Want a Free In-Person Shoreham at Stonebridge Valuation?

A free in-person Shoreham at Stonebridge valuation from McGreevy and Comisar starts with the Home Valuation form at the top of this page or a call to Jesse McGreevy at (239) 898-6072. Marc Comisar walks the villa, Jesse builds the analysis from Shoreham’s thirteen recorded sales, and you receive a written opinion of value with sources.

What you receive

A written opinion of value for your Leamington Lane address, built from the MLS closings and the county’s qualified deeds on your street, sorted by pool, matched by county base area, adjusted for the interior, openings, pool equipment and the roof reserve, and tested against the villas listed that week, with every source named. Beside it, the carrying cost picture your buyer will underwrite: the $17,600 club charge, the $4,560 Shoreham fee and what it insures, the $18,399 an outside buyer brings to the association, the flood file for your lot and the tax reset. And a plain recommendation on list price and timing, including the case for waiting if the evidence says wait.

Request a written Shoreham valuation today

Use the Home Valuation form at the top of this page, or our free Shoreham at Stonebridge home valuation, or Call Jesse direct at (239) 898-6072 or email [email protected]. Marc Comisar is at (239) 287-5873, and our office is at 24031 S Tamiami Trl #101, Bonita Springs, FL 34134. There is no charge and no obligation to list. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008 and the #1 Team in Southwest Florida since 2012. If you have already decided to sell, our plan for selling your home in Shoreham at Stonebridge covers pricing, marketing, negotiation, the estoppel and the disclosure file in full.

Reviews From Clients of McGreevy and Comisar

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, are a top-reviewed listing team on Google, and the four quotes below are genuine five-star client reviews reproduced in each reviewer’s own words. None is presented as a Shoreham at Stonebridge sale, and we publish no aggregate score and no star rating widget. Read the whole set on the McGreevy and Comisar Google reviews profile.

A repeat client on five transactions

★★★★★ “We have used his services for 5 transactions and every one has gone smoothly. He is a fantastic communicator, offers great representation, and is extremely honest.” Verified Google review

A client on market knowledge and detail

★★★★★ “Their knowledge of the Southwest Florida market really stood out, and you can tell they genuinely care about their clients and getting the best results possible. They were always available to answer questions, kept us informed every step of the way, and paid attention to every detail.” Verified Google review

A client on communication

★★★★★ “Jesse and his team were the most professional and communicative people throughout the entire process! Always available and helpful! Highly recommended!” Verified Google review

A client on service from start to finish

★★★★★ “I highly recommend Jesse and his brokerage for any of your real estate needs. They offer ‘white glove’ service from beginning to end.” Verified Google review

Your Local Real Estate Experts

Jesse McGreevy and Marc Comisar, Top 1% Real Estate Agents Nationally Since 2008, are the local real estate experts behind this Shoreham at Stonebridge valuation page. They co-founded Domain Realty, lead a team of agent partners across Lee and Collier County, and build every valuation from the Southwest Florida MLS and Collier County’s recorded sales. Reach Jesse direct at (239) 898-6072.

Jesse McGreevy

Jesse McGreevy is a licensed Florida REALTOR and Sales Associate with Domain Realty, a co-founder of the brokerage, and one half of McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008. He started in Southwest Florida real estate in October 2004 and runs the pricing analysis, the record work and the master association and club paperwork on every valuation the team writes, including the Shoreham insurance summary and estoppel. Reach him at (239) 898-6072 or [email protected], and read his full profile on the Jesse McGreevy agent page.

Marc Comisar

Marc Comisar is a licensed Florida REALTOR and Broker Associate with Domain Realty and the other half of McGreevy and Comisar, whose partnership alone accounts for over $900 million in Sales. He runs the field side, in the homes, at the inspections and at the closing table, and he is the one who walks your Shoreham villa before any number is written down. Reach him at (239) 287-5873, and read his full profile on the Marc Comisar agent page.

How to reach us

• Jesse McGreevy: (239) 898-6072 · [email protected]
• Marc Comisar: (239) 287-5873
• Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

For the street itself, return to our Shoreham at Stonebridge neighborhood guide, and for the community around it, our Stonebridge Country Club community guide. A homesteader who sells and buys another Florida homestead may be able to transfer accumulated Save Our Homes benefit, so if you are buying too, start with buying a home in Shoreham at Stonebridge or Call Marc at (239) 287-5873.

Frequently Asked Questions, Seller Edition: Valuing a Shoreham at Stonebridge Villa

These are the valuation questions Shoreham at Stonebridge owners actually ask, answered from the Southwest Florida MLS, Collier County’s recorded sales and 2026 preliminary roll, FEMA’s records, the recorded 2016 amendment and the club’s published fee schedules and governing documents. Nothing here is tax or legal advice, and none of it replaces a written valuation of your specific villa.

What is my Shoreham at Stonebridge villa worth?

It depends on your pool, interior, openings and the roof reserve, measured against Shoreham’s own record: eight qualified county sales since January 2023 from $576,300 to $725,000, median $670,000. Use the Home Valuation form at the top of this page, or call Jesse McGreevy at (239) 898-6072, for a written number on your address.

How do I get an accurate valuation on a Shoreham villa?

Ask for a written opinion of value built from Shoreham’s own sales on both the MLS and the county record, sorted by pool, matched by county base area, adjusted for the interior and the roof reserve, and tested against the villas listed that week, with every source named. We provide that free, with no obligation to list.

What did the most recent Shoreham villa sell for?

The latest qualified county sale was 1827 Leamington Lane at $690,000, recorded September 5, 2025, a 1,612 square foot villa by county base area, $428 a base foot. The latest MLS closing was 1795 Leamington Lane at $725,000 in October 2024. Both are public record sales.

What is the median Shoreham sale price?

It depends on the window. The thirteen qualified county sales since January 2021 have a median of $590,000 (n=13); the eight since January 2023, $670,000 (n=8, the mean of $650,000 and $690,000); the six MLS closings in 60 months, $625,000 (n=6). The recent figure is the one that prices a villa.

How many Shoreham villas sell each year?

Two or three in a typical year on the county record: five in 2021, none in 2022, three in 2023, three in 2024, two in 2025 and none in 2026 through August 20. That is thirteen qualified sales in about five and a half years from 32 villas.

Why do some Shoreham sales not show up in the MLS?

Three of the eight qualified county sales since 2023, including both 2025 sales, do not appear among the six MLS closings. The records do not say why, and we do not guess; it is why we read both layers before pricing.

What is the price per square foot at Shoreham?

The six MLS closings ran $255 to $447 per MLS living square foot, median $381 over 60 months and $447 on the one 24-month closing. The latest county sale recorded $428 per county base square foot. Never mix the two measures.

Does a bigger Shoreham villa sell for more?

Barely, because the villas barely differ: county base areas run 1,612 to 1,760 square feet, and the six MLS closings span 18 square feet of living area. Pool, interior and timing set the price far more than size.

How much does a private pool add at Shoreham?

The record cannot measure it cleanly, because the county sales file does not flag pools and the sample is small. Nineteen villas have one and 13 do not, and on a 4,800 square foot lot the pool is most of the outdoor space, so we price pool and non-pool villas as separate products.

How long does a Shoreham villa take to sell?

Over 60 months the six MLS closings took a median of 16 days, from 0 to 186. The four priced near the evidence closed in 26 days or less; the two that were not took 65 and 186 days.

What sale-to-list ratio should I expect?

Shoreham’s six MLS closings sold at a median 98.8 percent of final list (n=6), from 88.89 to 101.22 percent. Over 24 months Stonebridge’s 75 marketed closings sold at 95.4 percent. A villa priced to the record sells close to list; one priced above it gives the difference back.

How many Shoreham villas are for sale right now?

On 24 September 2026 the MLS showed two: 1843 Leamington Lane at $699,000 after 129 days and 1814 Leamington Lane at $675,000 after 65 days. That is about 10.4 months of supply on Shoreham’s county sales pace.

Is now a good time to sell a Shoreham villa?

For a villa priced inside Shoreham’s 2023 to 2025 band and documented before the season, yes. With two neighbors already listed, price and condition against them decide speed more than the calendar does.

Why are online estimates for my Shoreham villa so far off?

Because a model sees two or three sales a year, misses the recent sales that never touched the MLS, cannot read the 2016 amendment that moves insurance and roofs to the association, and cannot tell a pool villa from a non-pool villa of the same plan.

Is the county’s just value what my villa would sell for?

No. The 2026 preliminary median just value is $553,160, and the latest sale, $690,000, was about 25 percent above it. Just value is a tax estimate set by one mass method each January 1.

How does Thornbrooke affect my Shoreham value?

Thornbrooke is the comparison your buyer makes: detached homes from the same plat, a 60-month MLS median of $930,000 against Shoreham’s $625,000. One Thornbrooke home recorded at $617,000 in the latest county year, so an untouched house there can compete with a renovated Shoreham villa.

Does the association’s insurance raise or lower my villa’s value?

It supports it for a buyer who wants the building insured, painted and reroofed for them, and it costs $2,148 a year more in fees than Thornbrooke. The coverage summary in your listing file turns it from a question into a selling point.

Will the roof reserve affect my sale?

Yes. A well-funded reserve supports your price because the buyer inherits it; an approaching reroof with a thin reserve means the buyer expects an equal User Assessment and subtracts it. Ask the association for the reserve status before you list.

What if a roof assessment is coming?

Disclose it. Who pays an assessment levied before closing is a contract term, and we negotiate it into the price or a credit rather than letting it surface late in the transaction.

Do I get my Shoreham reserve contributions back when I sell?

No document we read provides a refund. Reserve contributions stay with the association for Shoreham’s painting, roof cleaning and roof replacement, which is why a healthy reserve is value the buyer inherits.

Do impact windows raise my Shoreham value?

They help. Every villa predates the March 1, 2002 building code and sits inside the wind-borne debris region, and impact-rated openings are interior value a buyer can see and an insurer credits. New openings need Architectural Review Committee approval.

What flood zone is Leamington Lane in?

Our test point at 1827 Leamington Lane maps in FEMA shaded Zone X on panel 12021C0193J, effective February 8, 2024, outside the Special Flood Hazard Area, on about 9.76 feet of ground. The association’s policy on the villas includes flood coverage.

Does the bundled club membership affect what my villa is worth?

Yes. Every buyer inherits the mandatory, non-equity membership and its $17,600 FY2027 club charge, plus the $4,560 Shoreham fee, and prices both into the offer. Against a non-club villa nearby, that bundle is the difference.

Who pays the $17,500 capital contribution when I sell?

The buyer. The Declaration says it “shall be made by the purchaser,” and the FY2027 schedule sets $17,500 for an outside buyer and $0 for a qualifying existing owner. On a Shoreham price it is about 2.5 to 3 percent, so buyers notice it.

Do I owe the rest of the renovation fee when I sell?

Not as a lump sum on the club’s published billing: the $1,920 fee is billed quarterly until the loan is paid off in February 2035, and on our reading a seller owes installments through closing. The estoppel confirms it.

How many estoppel certificates does a Shoreham sale need?

One, from the master association, because Shoreham has no separate association. It costs $299 for FY2027 and covers the club charges, the Shoreham fee and any User Assessment. A Stonebridge condominium sale needs two.

What must I give a buyer before the contract is signed?

The section 720.401 disclosure summary, because Shoreham is a fee-simple parcel in a mandatory Chapter 720 association. Without it the buyer may void the contract within three days of receiving it or before closing, and that right cannot be waived.

Do I need to give condominium documents?

No. Shoreham is not a condominium, whatever its insurance arrangement. Provide the section 720.401 summary, the master Declaration, the Third Supplement and its 2016 amendment, the estoppel and the association’s insurance summary.

Will a lender treat my villa like a condominium?

It should not, since Shoreham is fee simple, but the association-insured building can prompt questions. The recorded amendment and the insurance summary in the file answer them early.

How will my buyer’s property tax compare with mine?

If you are homesteaded, your buyer’s bill will likely be higher, because the Save Our Homes cap does not transfer and the assessment resets to just value. The median 2026 preliminary Shoreham bill is $4,379.

What seller closing costs should I expect on a Shoreham sale?

Mainly the negotiated commission and the deed’s documentary stamp tax at $0.70 per $100, about $4,830 on a $690,000 sale, plus the estoppel, the tax proration and any payoff. By Collier custom the buyer usually picks the closing agent and pays for the owner’s title policy.

Can I hold an open house or put a sign in the yard?

An open house, yes, registered with the association by 1:00 p.m. Friday, noon to 5 p.m., at most twice a week, with the approved sign and one directional sign at the Winding Oaks Way corner. A “For Sale” sign, no.

Should I sell while my Shoreham villa is leased?

You can. The buyer takes subject to the lease and showings run through the tenant; leases are at least 30 days and no more than four a year, so time the lease end to the expected closing.

Will the Airport-Pulling Road widening affect my price?

For some buyers. Leamington Lane sits on the Airport-Pulling side of Stonebridge, and the county plans six lanes with up to two years of work and no noise wall. We disclose it plainly and price accordingly.

How long is a valuation good for on Leamington Lane?

Until the next sale or listing on the street changes the evidence. With two or three sales a year, one new closing can move a Shoreham valuation, so we refresh it whenever the record changes.

What should I do first if I am thinking about selling at Shoreham?

Get a written valuation built from Shoreham’s recorded sales, request the association’s insurance summary and the roof reserve status, gather your pool and cage history and any wind mitigation form, and order nothing else until you have read it. Start with the Home Valuation form at the top of this page, or call Jesse McGreevy at (239) 898-6072.

Sources and Authoritative References

Every figure on this Shoreham at Stonebridge valuation page traces to a primary source below: the Southwest Florida MLS, Collier County’s roll and recorded sales, the recorded Shoreham declaration and amendment, Florida Statutes and state agencies, FEMA and federal data, or the club’s own published documents. Nothing is drawn from a listing aggregator or another brokerage, and every link was retrieved in September 2026.

Southwest Florida MLS figures, pulled from Matrix on 24 and 26 September 2026, are cited rather than linked because the MLS is members-only. County figures are cited as the Collier County Property Appraiser 2026 preliminary roll and sales file, files dated 29 August 2026.

The club and master association, first-party sources

• Stonebridge Country Club, official website, retrieved September 2026
• About Stonebridge: ten neighborhoods, lakes and preserves, retrieved September 2026
• Stonebridge Country Club history, retrieved September 2026
• Stonebridge Country Club site plan and location, retrieved September 2026
• Stonebridge Country Club membership page, retrieved September 2026
• Stonebridge Country Club golf, retrieved September 2026
• Stonebridge Country Club course tour and scorecard, retrieved September 2026
• Stonebridge Country Club lifestyle page, retrieved September 2026
• Stonebridge Country Club real estate page and estoppel contact, retrieved September 2026
• Stonebridge Country Club Cost of Ownership page, FY2027, including the Shoreham fee description, retrieved September 2026
• Stonebridge Country Club open house rules, retrieved September 2026
• FY2027 Rates and Fees schedule, dated September 2, 2026, retrieved September 2026
• FY2025 Dues and Fees with Board resolution and budget memo, August 30, 2024, retrieved September 2026
• FY2025 Dues and Fees Schedule, updated April 11, 2025, retrieved September 2026
• FY2019 detailed neighborhood fees, retrieved September 2026
• Supplemental Declarations with the Third Supplement exhibits and the 2016 Shoreham amendment, June 2020 compilation, retrieved September 2026
• Golf Rules and Regulations with Appendix A course history, October 9, 2019, retrieved September 2026
• Hurricane Shutter Standards, retrieved September 2026
• Hurricane Preparedness Guidelines, version 6, retrieved September 2026

Club documents preserved in the Internet Archive

• Amended and Restated Declaration, member-era copy, archived September 21, 2021, retrieved September 2026
• FY2020 cost of ownership page, archived December 7, 2019, retrieved September 2026
• FY2021 dues and fees schedule, archived November 25, 2020, retrieved September 2026
• FY2022 dues and fees schedule, archived December 2, 2022, retrieved September 2026
• FY2025 dues and fees schedule, September 2024 edition, archived July 11, 2025, retrieved September 2026
• FY2025 schedule update with capital contribution notice, archived April 26, 2025, retrieved September 2026
• Cost of ownership page, archived May 24, 2025, retrieved September 2026
• New home purchase: automatic membership, archived December 4, 2020, retrieved September 2026
• Transition committees by neighborhood, archived April 15, 2001, retrieved September 2026
• The resale process, club article, archived April 25, 2001, retrieved September 2026
• Minutes of the turnover meeting, November 1, 2001, archived March 21, 2002, retrieved September 2026

Collier County records and government

• Collier County Clerk Official Records document search (COR Access), retrieved September 2026
• Collier County Clerk Official Records legal description search, retrieved September 2026
• Collier County Clerk: what documents are recordable, retrieved September 2026
• Collier County PUD Master List, Southampton PUD, Ordinance 92-24, January 25, 2022, retrieved September 2026
• Collier County milestone inspection registry map layer, retrieved September 2026
• Collier County Floodplain Protection Newsletter, March 2026, retrieved September 2026
• Collier County: What is my Evacuation Zone? Know Your Zone lookup, retrieved September 2026
• Airport Road widening, 60 percent design handout, March 27, 2025, retrieved September 2026
• Airport Road widening, public comments and county responses, 2025, retrieved September 2026
• Collier County irrigation water and watering rules, retrieved September 2026
• Collier County Tax Collector: real estate property taxes, bill timing and discounts, retrieved September 2026

Flood mapping and federal records

• FEMA National Flood Hazard Layer, flood hazard zones, retrieved September 2026
• FEMA National Flood Hazard Layer, FIRM panels 12021C0193J and 12021C0194J, retrieved September 2026
• FEMA National Flood Hazard Layer, Letters of Map Revision, retrieved September 2026
• FEMA revalidation letter 18-04-0009V, Collier County Letters of Map Change, retrieved September 2026
• FEMA Flood Map Service Center search, retrieved September 2026
• FEMA flood insurance Risk Rating 2.0, retrieved September 2026
• U.S. Geological Survey 3D Elevation Program point query service, retrieved September 2026
• U.S. Census Bureau geocoder, one-line address, retrieved September 2026
• National Hurricane Center Tropical Cyclone Report, Hurricane Ian, retrieved September 2026
• National Weather Service Miami, Hurricane Ian summary, retrieved September 2026
• National Weather Service Miami, Hurricane Helene summary, retrieved September 2026
• National Weather Service Miami, Hurricane Milton summary, retrieved September 2026
• Florida Division of Emergency Management storm surge planning zones layer, retrieved September 2026
• Ultimate design wind speed contours, Risk Category II, retrieved September 2026
• Taylor Morrison Home Corporation Form 10-K for fiscal 2014, U.S. Securities and Exchange Commission, retrieved September 2026

Florida Statutes and the Legislature

• Florida Statutes section 720.401, disclosure summary before sale, retrieved September 2026
• Florida Statutes Chapter 720, Homeowners’ Associations, contents, retrieved September 2026
• Florida Statutes section 720.30851, estoppel certificates, retrieved September 2026
• Florida Statutes section 720.303, association powers, official records and budgets, retrieved September 2026
• Florida Statutes section 718.116, condominium assessments and estoppel certificates, retrieved September 2026
• Florida Statutes section 718.503, condominium resale disclosure, retrieved September 2026
• Florida Statutes section 718.112, condominium reserves and structural integrity reserve studies, retrieved September 2026
• Florida Statutes section 553.899, milestone inspections, retrieved September 2026
• Florida Statutes section 689.302, seller flood disclosure, retrieved September 2026
• Florida Statutes section 689.261, property tax disclosure summary, retrieved September 2026
• Florida Statutes section 193.155, homestead assessment and the reset on change of ownership, retrieved September 2026
• Florida Statutes section 201.02, documentary stamp tax on deeds, retrieved September 2026
• Florida Statutes section 215.5586, My Safe Florida Home program, retrieved September 2026
• House staff analysis of CS/CS/HB 979 (2024), estoppel fee caps, retrieved September 2026

Florida agencies

• Florida Department of Revenue, documentary stamp tax, retrieved September 2026
• Florida Department of Revenue, property tax information for taxpayers, retrieved September 2026
• Florida Department of Revenue Form DR-501T, transfer of homestead assessment difference, retrieved September 2026
• Rule 69O-186.003, title insurance premium rates, Florida Administrative Code, retrieved September 2026
• Florida Department of Financial Services, title insurance overview, retrieved September 2026
• Florida Division of Corporations entity search, retrieved September 2026
• Florida Department of Commerce Official List of Special Districts, retrieved September 2026
• Uniform Mitigation Verification Inspection Form OIR-B1-1802, Florida Office of Insurance Regulation, retrieved September 2026
• My Safe Florida Home, Florida Department of Financial Services, retrieved September 2026
• Citizens Property Insurance Corporation flood insurance requirement, retrieved September 2026

Schools and services

• Collier County Public Schools school zone lookup, retrieved September 2026
• Florida Department of Education school grades, retrieved September 2026
• NCH North Naples Hospital, retrieved September 2026

Selling practice, the courts and the national rules

• Johnson v. Davis, 480 So. 2d 625, Florida Supreme Court (1985), retrieved September 2026
• What the NAR settlement means for home buyers and sellers, National Association of REALTORS, retrieved September 2026
• NAR settlement FAQs, National Association of REALTORS, retrieved September 2026

The renovation and the course, trade and design sources

• Clubs make a splash with refreshed pools, Club + Resort Business, May 28, 2024, retrieved September 2026
• Stonebridge Country Club renovation project page, Kipp Schulties Golf Design, retrieved September 2026

Our own assets

• McGreevy and Comisar Shoreham at Stonebridge neighborhood guide, retrieved September 2026
• McGreevy and Comisar Stonebridge Country Club community guide, retrieved September 2026
• How we represent buyers in Naples, retrieved September 2026
• Jesse McGreevy agent profile, retrieved September 2026
• Marc Comisar agent profile, retrieved September 2026
• Domain Realty Group, retrieved September 2026
• McGreevy and Comisar Google Business Profile, retrieved September 2026

Downloadable Documents

Every Shoreham at Stonebridge document below links its official custodian, the club and its community association, Collier County, FEMA or the State of Florida, so you always see the authoritative version rather than a copy we made. We host none of these files ourselves, and the recorded Shoreham instruments are cited by Official Records book and page.

Three documents that matter most are not public: the FY2026 fee schedule, behind the member login; the Shoreham budget, insurance policy and roof reserve balance, which owners may inspect on request; and your estoppel certificate, from the Controller’s office on request.

How Do You Reach the Shoreham at Stonebridge Valuation Team Today?

You reach the Shoreham at Stonebridge valuation team by using the Home Valuation form at the top of this page, requesting a free Shoreham at Stonebridge home valuation, calling Jesse McGreevy direct at (239) 898-6072, or calling Marc Comisar at (239) 287-5873. The first conversation costs nothing, and on a street with two villas already listed it is usually the most valuable hour a seller spends.

The accolades, verbatim

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #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
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

Contact McGreevy and Comisar

Jesse McGreevy: (239) 898-6072, [email protected]. Marc Comisar: (239) 287-5873. Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134.

Jesse McGreevy (Sales Associate) and Marc Comisar (Broker Associate) are licensed Florida REALTORS with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission (FREC).

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team; learn more at DomainRealtyGroup.com. Read more about the team on the about McGreevy and Comisar page, about the street on our Shoreham at Stonebridge neighborhood guide, and about the community on our Stonebridge Country Club community guide. Nothing on this page is legal, tax or insurance advice. Confirm anything that affects your transaction with your closing agent, attorney, accountant or insurance professional.