Maple Ridge at Ave Maria - Silverwood

McGreevy and Comisar are the team Silverwood owners call first when they are ready to sell, and the team buyers call when they want the phase-by-phase and plan-by-plan record before they tour. We are Top 1% Real Estate Agents Nationally Since 2008, and this guide was built from every recorded Silverwood sale in the Collier County Property Appraiser’s 2026 tax roll data files, the Ave Maria Stewardship Community District’s own per-lot assessment roll, FEMA’s flood map at the parcel level, and CC Homes’ published plans and specifications.

Silverwood at Maple Ridge is a 602-home neighborhood of detached, 40-foot zero-lot-line single-family homes built by CC Homes inside the master-planned community of Maple Ridge at Ave Maria in Ave Maria, Florida. It is the entry price point of Maple Ridge: the same homeowners association and the same private clubhouse as the larger Cove, Garden and Estate collections, on smaller homesites, with a lighter interior specification, no builder pool option and a lower price band.

Silverwood launched in December 2018 as the successor to the sold-out Coquina section (Ave Maria, December 2018), and CC Homes introduced the current Silverwood Vista collection in March 2024 (Ave Maria Sun, May 2024). The district’s offering documents put Silverwood at 602 platted home lots on 123.2 acres (AMSCD Series 2022A Limited Offering Memorandum). Phases 1 and 2 are built out; on the 29 August 2026 county roll, CC Homes still held 46 vacant lots in Phases 3 and 4, so Silverwood is the rare Ave Maria neighborhood where a resale seller still competes with the builder on the same streets.

If you own in Silverwood and are weighing a sale, start with the track record below, the resale-pair story and the seller section, then call Jesse. If you are buying, the phase map, the flood findings by address, the district assessment by phase and the new versus resale comparison will tell you whether Silverwood fits before you tour.

By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated October 2026.

Why McGreevy and Comisar Are the Best Realtor for Silverwood at Maple Ridge

McGreevy and Comisar are the best realtor for Silverwood at Maple Ridge because the record shows it: the #1 team in Southwest Florida since 2012, Top 1% nationally since 2008, over $900 million in personal sales, and a Silverwood read built from all 602 home lots and every one of the 48 recorded Silverwood sales of the last twelve months.

If you’re searching for the best realtor for Silverwood at Maple Ridge in Maple Ridge at Ave Maria, Ave Maria, whether you’re ready to sell your Silverwood home or buy your next one, McGreevy and Comisar is the team that delivers. We lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012, Top 1% Nationally since 2008, with over $2.5 billion sold as a team and $900 million in personal sales between Jesse and Marc. You can read more about our team.

That matters in Silverwood for a specific reason: a Silverwood resale is priced against two markets at once. CC Homes is still closing new Silverwood Vista homes on the Phase 3 and 4 streets, and its 2026 base prices run from $334,990 for the Grove to $410,990 for the Encinitas (CC Homes, Maple Ridge, 1 October 2026). A listing agent who prices a Silverwood home from a town-wide average, or from one neighbor’s deed, misses the build year, the phase, the plan and the builder inventory sitting a few doors away.

Recent Silverwood track record (last 12 months): In the twelve months from August 2025 to July 2026, Collier County recorded 48 qualified Silverwood sales: 33 builder-direct CC Homes closings at a $394,900 median, and 15 resales at a $356,400 median, ranging from $335,000 to $435,000 (Collier County Property Appraiser, 2026 tax roll data files, extract dated 29 August 2026, newest qualified sale 9 July 2026). The highest Silverwood resale in that window was $435,000 at 5771 Agostino Way in Phase 3 and 4, recorded 18 June 2026 (Official Records Book 6606, Page 469). We tracked every one of the 48 recorded Silverwood sales in that window, split builder-direct closings from resales, and paired all 15 resales with the same home’s earlier recorded purchase: the median change was minus 2.4 percent, and 8 of the 15 sold below the owner’s prior price. County records carry no listing office, no list price and no days on market, so we do not state a represented-sale count or a sale-to-list ratio here; we read those from current listings when we prepare a valuation, and we will walk you through each deed on request.

For Silverwood sellers: premium marketing, including cinematic video, drone, professional photography, a qualified-buyer database and discretion when a sale needs to stay quiet. That last point is practical in Silverwood: the Maple Ridge HOA’s posted Rules bar signs of any kind on a lot, including “For Sale” signs (Maple Ridge at Ave Maria HOA, Rules and Regulations), so the buyer has to come from marketing, not the yard. We build the file a Silverwood buyer will ask for before the first showing: the HOA estoppel ($299, or $119 more for expedited delivery, per the Miami Management estoppel request form), the separate Ave Maria Master Association estoppel that every Ave Maria sale requires, the district’s per-lot bond balance (which the district says does not have to be paid off at closing), and the flood determination for your exact lot.

For Silverwood buyers: the first question in Silverwood is new versus resale, because the builder’s twelve-month median ran $38,500 above the resale median, and the difference is mostly options, lot premiums and financing incentives that a resale buyer does not pay for again. The second is the phase, because the phase sets the build year, the specification the home was delivered with and the district’s debt assessment on the tax bill. The third is the flood zone, because nearly every Silverwood lot touches FEMA’s high-risk Special Flood Hazard Area. Sellers and buyers comparing the best real estate agents in Ave Maria should ask each one to answer those three questions for a specific Silverwood address; we answer them below.

Honors and recognition:

• 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

Selling your Silverwood home? Get a free Silverwood home valuation or call Jesse direct at (239) 898-6072.

Buying a home in Silverwood at Maple Ridge? Call Marc at (239) 287-5873 for a personalized buyer consultation, or read how we represent buyers in Southwest Florida.

Key Takeaways: What Should Every Silverwood Buyer and Seller Know First?

Silverwood at Maple Ridge is a 602-home CC Homes neighborhood where new and resale homes trade side by side, nearly every lot sits in a FEMA high-risk flood zone, the district bill runs about $2,460 to $2,530 a year per lot, and owners share the Club at Maple Ridge. These are the facts that move price and the decision.

• Size and form: 602 platted home lots on 123.2 acres, all 40-foot zero-lot-line detached single-family homesites of about 38 by 100 feet (AMSCD Series 2022A Limited Offering Memorandum); the 635 parcels on the county roll are those 602 lots plus 33 common tracts (Collier County Property Appraiser, 2026 tax roll data files).
• New versus resale: from August 2025 to July 2026, 33 builder-direct closings had a $394,900 median and 15 resales a $356,400 median, a gap of $38,500 (Collier County Property Appraiser, 2026 tax roll data files).
• Build year decides the resale result: of 15 resales paired with an earlier purchase, homes first bought from 2019 to May 2022 resold higher (median about plus 27 percent), while homes first bought in 2023 and 2024 resold lower (median about minus 10 percent).
• Flood: our parcel overlay of FEMA’s flood map (panel 12021C0255H, effective 16 May 2012) found 617 of 635 Silverwood parcels, 97 percent, touching the Special Flood Hazard Area, mostly Zone AH; only 18 west-end Phase 3 and 4 lots sit fully outside it (FEMA National Flood Hazard Layer). A federally backed mortgage on a home in that area requires flood insurance (Collier County 2026 Flood Protection Newsletter).
• District assessment per lot: the Ave Maria Stewardship Community District bills $2,460.43 to $2,531.25 per lot on the 2025 tax bill depending on phase, rising by $142.22 per lot for FY 2026-27 under the budget adopted 4 August 2026 (AMSCD bond balance and assessment roll; AMSCD FY 2026-27 budget).
• No builder pool option: CC Homes offers a pool only with its Cove, Garden and Estate homes, and Silverwood shares the Cove collection’s 6’8" interior doors and 30" upper cabinets (CC Homes, Maple Ridge features).
• Club access: CC Homes describes The Club at Maple Ridge, a 10,000-square-foot clubhouse opened in April 2019, as “exclusively accessible for Maple Ridge and Silverwood residents” (CC Homes, Club at Maple Ridge). Silverwood itself has no pool, park or playground of its own.
• Plans: eight Silverwood Vista plans from 1,133 to 2,260 square feet under air, 2 to 5 bedrooms, 2026 base prices $334,990 to $410,990, with the Huntington sold out (CC Homes, Maple Ridge).
• Schools: the Collier County Public Schools 2026-27 lookup assigns Silverwood addresses to Ave Maria Elementary (opened 11 August 2026), Corkscrew Middle and Palmetto Ridge High (CCPS Attendance Zones).
• The team: Jesse McGreevy and Marc Comisar are Top 1% Real Estate Agents Nationally Since 2008, with a valuation desk at our home valuation page and buyer consultations through our buyer services page.

Table of Contents

• What Is It Like Living in Silverwood at Maple Ridge as a Homebuyer?
• What Do Homes in Silverwood at Maple Ridge Sell For Today?
• Why Do Some Silverwood Resales Close Below the Original Purchase Price?
• How Have Silverwood Prices Changed Since Coquina, Plan by Plan?
• New From CC Homes or Resale: Which Is the Better Buy in Silverwood?
• How Did Silverwood at Maple Ridge Begin, and How Was It Built Out?
• What Floor Plans and Home Styles Are in Silverwood at Maple Ridge?
• What Features Come Standard in a Silverwood Home, and Can You Add a Pool?
• Who Else Is Building Near Silverwood, and Does It Compete?
• What Amenities Do Silverwood at Maple Ridge Residents Get?
• What Are the HOA Fees in Silverwood at Maple Ridge?
• How Much Is the Ave Maria Stewardship Community District Assessment on a Silverwood Home?
• What Does a Silverwood Owner Pay Each Year, All In?
• What Do the Maple Ridge Declaration and Rules Say for Silverwood Owners?
• Is Silverwood at Maple Ridge a 55+ Community?
• Can You Rent Out a Home in Silverwood at Maple Ridge?
• What Are the Pet Rules in Silverwood at Maple Ridge?
• Who Controls the Maple Ridge HOA, the Builder or the Owners?
• Is Silverwood at Maple Ridge in a Flood Zone?
• How Has Ave Maria Fared in Hurricanes, and What Wind Code Applies to Silverwood?
• How Does Insurance Work for a Silverwood Home?
• Which Schools Serve Silverwood at Maple Ridge?
• What Zoning, Permits and Nearby Development Shape Silverwood?
• What Is Daily Life Like in Silverwood: Gate, Utilities, Trash, Mail and Drive Times?
• How Does Silverwood Compare With Other Neighborhoods in Ave Maria?
• Silverwood vs Coquina at Maple Ridge: Which Should You Choose?
• Silverwood vs a Cove Home in Core Maple Ridge: What Do You Give Up and Gain?
• Silverwood at Maple Ridge vs Avalon Park: Which Fits a Family Better?
• What Are the Honest Pros and Cons of Living in Silverwood at Maple Ridge?
• Thinking of Selling Your Silverwood Home? List With the #1 Team in Southwest Florida Since 2012
• Your Local Real Estate Experts
• Frequently Asked Questions, Buyer Edition
• Frequently Asked Questions, Seller Edition
• Sources and Authoritative References
• Downloadable Documents

What Is It Like Living in Silverwood at Maple Ridge as a Homebuyer?

Living in Silverwood at Maple Ridge means a detached CC Homes house on a tenth-acre homesite, lakes and preserve at the edges, no gate, a short drive to the private Club at Maple Ridge, and Ave Maria’s Publix about 1.6 miles away. Owners maintain their own lawns, and the HOA and district run the common areas.

Silverwood is the smallest-lot section of Maple Ridge, the CC Homes village that the developer markets as “a variety of lot sizes and homesite locations” across “its two neighborhoods, Maple Ridge and Silverwood” (CC Homes, Maple Ridge and Silverwood site plan). Every Silverwood home belongs to one neighborhood association, Maple Ridge at Ave Maria Homeowners Association, Inc., and to the town-wide Ave Maria Master Association; there is no separate Silverwood association (Ave Maria Master Association, Associations). Its sibling sections include the sold-out Coquina at Maple Ridge, which sold the same plan family before Silverwood opened, and the larger homesites of Maple Ridge Reserve.

Who buys in Silverwood at Maple Ridge?

Silverwood draws three kinds of buyer, in our experience: first-time and move-up households who want a new detached house in Collier County at the lowest price point CC Homes offers in Maple Ridge, families who need three or four bedrooms in a two-story plan such as the Cascada, Doheny or Encinitas, and downsizers and retirees who want a one-story Grove or Fernwood. Silverwood is not age restricted; in Ave Maria only Del Webb Naples is a 55+ community (Ave Maria, FAQs), so buyers who want an active-adult setting compare it with Del Webb Naples. The county roll shows a mostly owner-occupied neighborhood: homestead exemptions sit on 80 percent of improved Phase 1 homes, 59 percent of Phase 2 and 55 percent of the newer Phase 3 and 4 homes, where some recent buyers had not yet filed (Collier County Property Appraiser, 2026 tax roll data files). Leasing is allowed only for the whole home, for at least 30 days, and no more than two leases in any twelve months, with HOA approval (Maple Ridge HOA Rules and Regulations), so nightly and weekly rentals are out.

What are Silverwood’s streets and phases?

Silverwood was platted in three recorded groups, and the phase tells a buyer the build era, the delivered specification and the district debt tier at a glance. The table uses the recorded plats named in the district’s offering documents, the lot ranges and build years on the county roll, and the streets on the CC Homes site plan.

Sources: plat references from the AMSCD Series 2022A Limited Offering Memorandum; lot ranges and year built from the Collier County Property Appraiser, 2026 tax roll data files; streets from the CC Homes Silverwood site plan.

The site plan shows two lakes in the sold eastern phases and two more in the newer western section, two cul-de-sacs at the west ends of Cassidy Lane and Agostino Way, and a wooded preserve band along the north and south edges. Its legend shows only homesites and open space: no pool, playground, dog park, cabana or gatehouse is drawn inside Silverwood (CC Homes Silverwood site plan). A home on Phase 1’s Soria Avenue or Morino Way is a 2019 to 2021 house delivered under CC Homes’ earlier specification; a home on the west end of Cassidy Lane or Agostino Way is a 2024 to 2026 Silverwood Vista house with impact glass on every window and concrete block on both floors (CC Homes, Maple Ridge features). We verify the windows on any older home by address before we describe them to a buyer.

What does a typical day look like in Silverwood?

A Silverwood day runs on short drives and golf cart trips. From Agostino Way, Publix at La Piazza is about 1.6 miles or 6 minutes, NCH Immediate Care at Midtown Plaza about 1.7 miles, and The Club at Maple Ridge on Brigata Way about 2.2 miles or 9 minutes, measured with free-flow routing on public map data (OpenStreetMap). The club offers a resort-style pool, fitness center, aerobics studio, two saunas, massage rooms, pickleball, a covered pavilion with grills, a playground, a dog park and a Lifestyle Director who runs social and fitness events (CC Homes, Club at Maple Ridge). Golf carts may use most Ave Maria streets under Collier County Ordinance 2016-14, with designated portions of Ave Maria Boulevard, Anthem Parkway and Pope John Paul II Boulevard reserved for the path (AMSCD Golf Cart Drivers Handbook). Electric service is LCEC and water and sewer come from Ave Maria Utility Company, per the HOA’s own resident page (Maple Ridge HOA, Useful Information). Owners irrigate and maintain their own lots, park in the garage or driveway, and keep boats, RVs and trailers inside an enclosed garage under the HOA’s posted Rules.

What does the town of Ave Maria add for Silverwood owners?

Ave Maria supplies what Silverwood does not: a Town Center with Publix, shops, salons and a walk-in clinic, the Ave Maria Water Park, North Park’s sports fields and courts, and South Park’s bocce courts, trail, amphitheater and dog park (Ave Maria, Recreation and Amenities). The town holds a Blue Zones Community certification announced in July 2023 (Ave Maria, July 2023); the certification belongs to the town, not to Silverwood itself. NCH has announced a planned 150-bed hospital in Ave Maria on 18 donated acres, with construction expected to begin within two years of the October 2025 announcement (NCH, October 2025). For schools, the CCPS 2026-27 lookup returns Ave Maria Elementary, Corkscrew Middle and Palmetto Ridge High at every Silverwood address we tested in all three phases (CCPS Attendance Zones); in the 2026 state grades released 1 July 2026, Corkscrew Middle earned an A and Palmetto Ridge High a B, and Ave Maria Elementary, which opened 11 August 2026, has no grade yet (CCPS school and district grades; Ave Maria, August 2026). School assignment can change, so confirm it with CCPS for your address.

What are the trade-offs of living in Silverwood?

Silverwood buys a new-construction house at the lowest price in Maple Ridge, and the trade-offs come with that price. The homesites are about 38 feet wide, so side yards are narrow and a private pool is not a builder option; any later pool needs HOA architectural approval (Maple Ridge HOA Rules and Regulations). The district assessment adds about $2,460 to $2,530 a year per lot to the tax bill on top of the Master Association’s $203 a quarter (Ave Maria Master Association, payment options), and the neighborhood HOA’s current regular assessment is stated on the estoppel certificate and the HOA budget, which owners can request under s. 720.303, Florida Statutes. Nearly every lot is in a high-risk flood zone, which means flood insurance for most financed buyers. Silverwood sits in Collier County Hurricane Evacuation Zone F, the county’s outermost lettered zone (Collier County, Emergency Assistance). And the drives are real: about 42 minutes to I-75 at Exit 111, and about 59 minutes to 5th Avenue South in Naples or to Southwest Florida International Airport without traffic (OpenStreetMap). Buyers who want larger lots or a pool look at the core Maple Ridge collections or at Pulte’s Avalon Park; buyers who want a golf membership look at The National Golf and Country Club.

Selling a Silverwood home? Start with a free Silverwood home valuation or call Jesse direct at (239) 898-6072. Buying? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Do Homes in Silverwood at Maple Ridge Sell For Today?

Silverwood at Maple Ridge resales recorded a $356,400 median across 15 sales from August 2025 to July 2026, ranging from $335,000 to $435,000, while CC Homes’ 33 builder-direct Silverwood closings in the same twelve months recorded a $394,900 median. Resale and builder sales are separate markets here, and we never blend them below.

Data updated: October 2026 (Collier County recorded qualified sales through 9 July 2026)

Every figure in this section is a Collier County recorded qualified sale from the Collier County Property Appraiser, 2026 tax roll data files dated 29 August 2026, filtered to the three Silverwood at Ave Maria plats (Phase 1, Phase 2, and Phases 3 and 4), improved homes and prices above $1,000. A sale counts as builder-direct when it is the home’s first qualified sale within one year of the year built, or the first sale of a home the roll does not yet date; every other sale is a resale. That rule matters in Silverwood more than almost anywhere in Ave Maria, because CC Homes is still closing new Silverwood Vista homes on the same streets where owners are reselling, and a blended median would hide the gap between the two.

We tracked all 618 recorded qualified Silverwood sales since the first closings in 2019, and every one of the 15 resales in the latest twelve months, address by address against the deed book and page. The newest qualified Silverwood sale in the county’s August 2026 extract was recorded on 9 July 2026.

Silverwood sales by window

Source: Collier County Property Appraiser, 2026 tax roll data files (extract dated 29 August 2026). The twelve-month window holds 15 resales, more than the ten we require before quoting a median, so the stats window for Silverwood resales is twelve months. With 15 sales, the median is the eighth sale in price order, $356,400. Across the twelve months the builder-direct median sits $38,500 above the resale median, about 10.8 percent.

Silverwood sales by plat phase, last 12 months

Source: Collier County Property Appraiser, 2026 tax roll data files; plat book references from the Ave Maria Stewardship Community District Series 2022A Limited Offering Memorandum. Phases 1 and 2 are built out and sold out, so every sale there is now a resale. All 33 builder-direct closings in the last twelve months were in Phases 3 and 4, which means the new-versus-resale gap is not a phase-mix effect: inside Phases 3 and 4 alone, the builder median of $394,900 sits $40,200 above the $354,700 resale median for homes on the same streets.

Every Silverwood resale in the last 12 months

Source: Collier County Property Appraiser, 2026 tax roll data files; Official Records references are the recorded deeds in the Collier County public records. The table carries no square footage column on purpose. The county roll’s building-area field for Silverwood homes does not match the living area CC Homes publishes for its plans, so it cannot tell you which floor plan sold or what the home measures under air; we identify the plan from the listing, the permit file or the home itself when we value a specific address. The fifteen resales total $5,452,400 in recorded consideration.

CC Homes builder-direct medians by year

Source: Collier County Property Appraiser, 2026 tax roll data files. The builder-direct median rose about 64 percent from 2019 to 2023, from $250,000 to $411,200, then eased for three straight years to $397,500 in 2026. Recorded builder prices include the options, upgrades and lot premiums each buyer chose, so they run above CC Homes’ published base prices; they do not show rate buy-downs or other incentives, which sit outside the deed consideration. County deeds also carry no contract date, and a builder closing in 2026 may reflect a contract signed many months earlier.

Silverwood resales by year

Source: Collier County Property Appraiser, 2026 tax roll data files. Resale volume has been steady at 13 to 18 sales a year since 2022 while the resale median slipped from a 2023 peak of $405,000 to $359,000 in 2026. The 2025 count of 18 is the highest resale year on record, as the first big wave of 2019 to 2021 owners began to move.

What the county record cannot tell you about Silverwood

A recorded deed carries the price, the date and the parties. It carries no list price, no days on market, no price reductions, no concessions paid to the buyer, and no record of homes that are listed today and have not sold. So this page states no days-on-market figure, no list-to-sale ratio and no count of active listings for Silverwood at Maple Ridge. When we prepare a valuation for a specific Silverwood home, we read those numbers from the current Southwest Florida MLS listings and recent closed listings on the day we price it, alongside CC Homes’ own live quick move-in prices, because in Silverwood the builder’s inventory is part of the competition.

Ready to Sell or Buy in Silverwood? Talk to Jesse and Marc

Silverwood at Maple Ridge, the CC Homes section inside Maple Ridge at Ave Maria, recorded 15 resales in twelve months at a $356,400 median while CC Homes closed 33 new homes at a $394,900 median on the same Phase 3 and 4 streets. McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, price each Silverwood home from its own build year, plat phase, plan and lot, not from a community average.

• Selling: get a free Silverwood home valuation, or call Jesse direct at (239) 898-6072.
• Buying: call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

Why Do Some Silverwood Resales Close Below the Original Purchase Price?

Silverwood at Maple Ridge resales split cleanly by purchase year: of the 15 resales from August 2025 to July 2026 that we paired with the same home’s earlier recorded sale, every home bought from 2019 to May 2022 resold higher, at a median gain of about 27 percent, while every home bought in 2023 or 2024 resold lower, at a median of about minus 10 percent.

Data updated: October 2026 (Collier County recorded qualified sales through 9 July 2026)

We tracked each of the 15 Silverwood resales in the latest twelve months back to the same parcel’s previous qualified sale in the Collier County Property Appraiser, 2026 tax roll data files. Across all 15 pairs the median change was minus 2.4 percent, and 8 of the 15 closed below the earlier price. That single median hides two opposite stories. The owner’s purchase year, not the street or the phase on its own, is what separates a Silverwood seller who walks away with a gain from one who brings money to the table.

The 15 Silverwood resale pairs

Source: Collier County Property Appraiser, 2026 tax roll data files. Changes are gross recorded prices, before commissions, closing costs, the owner’s improvements and the years of carrying costs, so a seller’s actual net result differs from the percentage shown.

The vintage story in three lines

Source: our arithmetic on the 15 pairs above, from the Collier County Property Appraiser, 2026 tax roll data files. The owners who gained bought between $222,500 and $327,800, while CC Homes’ base prices were still in the low to mid $200,000s. The owners who lost bought between $365,300 and $430,400, at or near the top of the builder price curve, when the builder-direct median reached $411,200 in 2023. The one recent buyer who gained, at 5771 Agostino Way, bought from CC Homes in May 2025 at $404,000 and resold in June 2026 at $435,000, the highest Silverwood resale of the twelve months; the county record does not show why, and lot position or upgrades are the usual explanations we check first.

Why Silverwood homes bought in 2023 and 2024 resell lower

Four forces line up against a 2023 or 2024 Silverwood buyer who sells today, and each one is on the public record.

1. Builder base prices have been flat since late 2023. CC Homes’ base price for the Grove plan was $332,990 in November 2023 (archived CC Homes Grove plan page, 29 November 2023) and $334,990 on 1 October 2026 (CC Homes, Maple Ridge), a $2,000 change in nearly three years; the Encinitas plan moved the same $2,000, from $408,990 in March 2024 (archived CC Homes Encinitas plan page, March 2024) to $410,990. A resale cannot ride rising new-home prices when the new homes next door have not risen.
2. Builder incentives and price cuts set a ceiling. CC Homes advertised a 3/2/1 rate buy-down at 3.75 percent in the first year in 2024, a 3.99, 4.99 and 5.99 percent step-rate buy-down in early 2025, and cut several 2025 Silverwood quick move-in homes by $20,000 to $26,000 within three months (archived CC Homes Maple Ridge pages, February 2025 and June 2025). A resale buyer who can get a builder-paid rate on a brand-new home will discount a two-year-old one.
3. New inventory kept arriving in Phases 3 and 4. Phases 3 and 4 hold 290 of Silverwood’s 602 homesites, and CC Homes closed 125 builder-direct Silverwood homes in 2024 and 61 in 2025 (Collier County Property Appraiser, 2026 tax roll data files). On the 29 August 2026 roll, CC Homes’ land entity still held 46 Phase 3 and 4 lots. CC Homes is also selling Cadiz at Ave Maria, 63 homesites “similar to Silverwood” from $334,990 and maintained by the same Maple Ridge homeowners association (AMSCD board meeting book, 1 July 2025).
4. Options and lot premiums do not resell at cost. A builder price includes what the first buyer paid for options and the lot. The one live Silverwood quick move-in on 1 October 2026, a Doheny at 5791 Agostino Way, is priced at $462,815 against a $389,990 Doheny base, about $72,825 of options, upgrades and lot premium (CC Homes quick move-in homes). Resale buyers rarely pay full price for someone else’s choices.

What the resale pairs mean for a Silverwood seller

If you bought in Silverwood before mid-2022, the record says you are very likely to sell above what you paid: all six of those owners did in the last twelve months, by $37,200 to $122,200. Your pricing question is how much of the 2021 to 2022 run-up you can capture against today’s resales, not whether you will gain. If you bought in 2023 or 2024, plan for a price below your contract price and decide that before you list, not after three reductions. Price against the builder’s own live quick move-in homes and against the $335,000 to $400,000 band where those eight 2023 and 2024 homes actually resold, then sell what a new home does not have: finished landscaping, window treatments, a screened lanai, upgrades already in place and no build wait. With 46 builder lots left on the August 2026 roll, the builder competition is shrinking; once CC Homes sells out Silverwood, resales become the only way into this price band inside the Club Maple Ridge membership area.

Thinking of selling in Silverwood? Get a free Silverwood home valuation built from your own purchase year and plat phase, or call Jesse direct at (239) 898-6072.

What the resale pairs mean for a Silverwood buyer

A buyer can use the same table in reverse. A 2023 or 2024 Silverwood home on Cassidy Lane, Argento Drive or Carrara Drive is nearly new, built to the current CC Homes specification, and has recently traded for $40,000 to $60,000 below what its first owner paid. The trade-off is that you inherit that home’s plan, lot and options rather than choosing your own, and any remaining builder warranty coverage must be confirmed in writing (more on that below). The older 2019 to 2021 Phase 1 homes are now priced close to the newer ones despite a lighter original specification (CC Homes’ January 2021 Silverwood feature list showed carpet in living areas, 12-inch tile and 150-amp service, and listed no impact glass, per the archived CC Homes Maple Ridge page, January 2021), so a buyer should compare build year and features line by line, not only price.

Buying in Silverwood? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

How Have Silverwood Prices Changed Since Coquina, Plan by Plan?

Silverwood at Maple Ridge base prices for the same CC Homes floor plans rose about 56 to 70 percent from the December 2018 Silverwood launch to October 2026, and the Grove plan rose about 79 percent from its 2016 Coquina price of $186,990 to $334,990. Nearly all of that rise happened between January 2021 and January 2023.

Data updated: October 2026 (CC Homes published base prices through 1 October 2026)

Silverwood is the successor to Coquina, the entry-level CC Homes section of Maple Ridge that sold out in 2018; the town developer announced Silverwood on 11 December 2018 with eight plans from $211,990 (Ave Maria, “Silverwood at Maple Ridge Debuts in Ave Maria,” December 2018). Because CC Homes kept the same plan family from Coquina through Silverwood and into the Silverwood Vista collection introduced in March 2024 (Ave Maria Sun, “New phase opens at Maple Ridge,” May 2024), the same plan can be priced across ten years. The figures below are CC Homes’ published base “from” prices on the date shown; lot premiums and options are extra.

Same-plan base prices, Coquina 2016 to Silverwood Vista 2026

Sources, by column: Coquina August 2016, Florida Weekly, “Two new floor plans offered at Maple Ridge in Ave Maria”; Coquina January 2018, archived CC Homes Maple Ridge page, 13 January 2018; Silverwood launch, Ave Maria, December 2018; August 2020, archived CC Homes plan pages for Grove, Fernwood, Anaheim, Balboa, Cascada, Doheny and Encinitas; January 2021, archived CC Homes Maple Ridge page, 6 January 2021; 2021 to early 2022, archived plan pages for Grove, Fernwood, Anaheim, Balboa, Cascada, Doheny and Encinitas; January 2023, archived CC Homes Grove plan page, 28 January 2023 and the companion plan pages captured the same day; November 2023 to March 2024, archived plan pages for Grove and Encinitas and their companions; October 2026, CC Homes, Maple Ridge, accessed 1 October 2026. Plan sizes are the 2026 Silverwood Vista sizes; the five two-story plans were re-sized slightly for Vista (Anaheim 1,687 to 1,671 sq ft, Cascada 1,810 to 1,826, Balboa 1,921 to 1,924, Doheny 2,032 to 2,047, Encinitas 2,251 to 2,260), and Cascada carries the same description and original size as the earlier Corona.

What the Silverwood price curve says

The curve has three distinct stretches. From the December 2018 launch to January 2021, base prices rose only 7 to 11 percent, about $20,000 to $24,000 per plan, over two years. From January 2021 to January 2023, they rose another 34 to 41 percent in two years; the Grove went from $235,990 to $319,990. From late 2023 to October 2026, they rose about half a percent, roughly $2,000 per plan, while CC Homes leaned on rate buy-downs, quick move-in price cuts and promotions instead of base-price moves (archived CC Homes Maple Ridge pages, May 2024 and March 2026).

The recorded builder-direct medians follow the same shape a year or so later, because closings lag contracts: $273,800 in 2021, $321,000 in 2022, a $411,200 peak in 2023, then $404,600, $401,900 and $397,500 (Collier County Property Appraiser, 2026 tax roll data files). That lag is the whole resale story in the section above. A buyer who signed in 2020 or 2021 locked a pre-surge price and closed into a rising market; a buyer who closed in 2023 or 2024 paid the post-surge price plus options and then watched the builder hold base prices flat and add incentives.

What the curve does not show

Base prices are not closing prices. A 2026 Silverwood Vista home also differs from a 2019 Silverwood home in specification: CC Homes’ current feature list includes impact glass on all first and second floor windows, 18-inch tile in the main living areas, 200-amp service and concrete block on second floors (CC Homes, Maple Ridge features), while the January 2021 Silverwood feature list showed 12-inch tile in kitchens and baths only, 150-amp service and no impact-glass line (archived CC Homes Maple Ridge page, January 2021). Some of the price rise bought a better house, which is one more reason to compare an older Silverwood resale to a new one feature by feature.

New From CC Homes or Resale: Which Is the Better Buy in Silverwood?

Silverwood at Maple Ridge is one of the few Ave Maria sections where a buyer can choose between a new CC Homes Silverwood Vista home, from $334,990 base on 1 October 2026, and a resale that recorded a $356,400 median over the last twelve months. Neither is better in general; price, incentives, timing, lot, flood zone and district debt decide it for each buyer.

Data updated: October 2026 (CC Homes prices 1 October 2026; Collier County recorded qualified sales through 9 July 2026)

The comparison below uses CC Homes’ own published plans and prices (CC Homes, Maple Ridge), the Ave Maria Stewardship Community District’s parcel roll and budget, FEMA’s flood map and the Collier County Property Appraiser, 2026 tax roll data files. Both choices sit inside the same Maple Ridge at Ave Maria homeowners association and the same Club Maple Ridge membership area, so amenities are not a deciding factor between them.

Price: base plus options versus a finished home

A new Silverwood Vista home starts at $334,990 (Grove, 2 bedrooms, 1,133 sq ft under air) and runs to $410,990 (Encinitas, 4 to 5 bedrooms, 2,260 sq ft) before options and lot premium (CC Homes, Maple Ridge). CC Homes’ recorded Silverwood closings in the last twelve months, which include options and premiums, carried a $394,900 median. A resale at the $356,400 twelve-month median buys roughly the base price of a new Fernwood ($347,990) or Anaheim ($360,990), but as a finished home (Collier County Property Appraiser, 2026 tax roll data files). Compare the all-in new price, with the options you would actually choose, to the resale’s asking price, not base to asking.

Incentives: what the builder can offer and a seller usually cannot

CC Homes has used rate buy-downs on Silverwood quick move-in homes since at least 2024 (archived CC Homes Maple Ridge page, May 2024). On 1 October 2026 its Maple Ridge page advertised a complimentary Tesla Model 3 promotion running from 15 August to 31 October 2026 and “Heroes” savings for veterans, nurses, firefighters, police, EMTs and teachers (CC Homes, Maple Ridge; CC Homes features page). Ask the sales gallery whether a given promotion applies to Silverwood Vista and what it is worth in cash terms. A resale seller can match some of this with a price cut or a seller credit toward the buyer’s costs, which is negotiated contract by contract.

Closing timing: ready now or built for you

The one live Silverwood quick move-in on 1 October 2026, a Doheny at 5791 Agostino Way, was marked “Ready September 2026” at $462,815 (CC Homes quick move-in homes). A to-be-built home’s timeline is set in the CC Homes contract and depends on which of the remaining Phase 3 and 4 lots you choose. A resale closes on the contract timeline both parties agree, but the Maple Ridge HOA’s purchase approval asks applicants to “allow a minimum of 14-21 business days,” at $150 per applicant over 18 plus a $150 processing fee (Maple Ridge HOA Application for Purchase), so build that into the closing date.

Lot choice: pick from what is left or buy a lot that is already proven

Silverwood homesites are about 38 feet wide and about 100 feet deep, roughly a tenth of an acre (archived CC Homes Maple Ridge page, January 2021; Collier County Property Appraiser, 2026 tax roll data files). A new-build buyer chooses only among the 46 Phase 3 and 4 lots CC Homes’ land entity still held on the 29 August 2026 roll, concentrated on Cassidy Lane and the odd side of Agostino Way. A resale buyer can choose across all 602 homesites in every phase, including Phase 1 lots on Soria Avenue, Aquila Avenue and Morino Way, and can see the actual view, the neighbors and how the lot drains after a summer storm.

Flood zone: check the lot, not the subdivision

Most Silverwood homes sit in a FEMA high-risk flood zone. On FIRM panel 12021C0255H, effective 16 May 2012, sampled lots read Zone AH at 5461 Soria Ave, 5544 Morino Way, 5630 Agostino Way and 5694 Agostino Way, Zone AH at the lot center of 5791 Agostino Way (a lot split between AH, X shaded and X), and Zone AE at 5653 Cassidy Ln (FEMA National Flood Hazard Layer, queried 1 October 2026). 617 of 635 Silverwood parcels touch the special flood hazard area; the 18 fully outside it are all on the west end of Phases 3 and 4, on Agostino Way between 5775 and 5824 and at 5713 Cassidy Ln. A federally backed mortgage on a home in the special flood hazard area requires flood insurance, so new or resale, order a flood zone determination and an elevation certificate for the exact address before you write an offer.

District debt: the bond balance differs by phase

Every Silverwood lot pays the Ave Maria Stewardship Community District, a Chapter 189 special district, on the Collier County tax bill. For FY 2025 to 2026 the total ran $2,460.43 to $2,531.25 per lot by sub-phase, and the FY 2026 to 2027 budget adopted 4 August 2026 adds $142.22 per lot, for $2,602.65 to $2,673.47 (AMSCD Final Budget FY 2026 to 2027). The bond payoff balance per lot, good through 31 October 2026, is $18,274.71 in sub-phase 1a, $18,071.19 in 1b and 2a, $19,967.43 in 2b, and $23,387.85 in Phases 3 and 4, and the district states the balance “does not have to be paid off at closing” (AMSCD Bond Balance and Assessment Info 2025 to 2026). Every new home CC Homes still sells is in Phases 3 and 4, so a new-build buyer takes on about $5,100 to $5,300 more remaining district debt than a buyer of a Phase 1 or sub-phase 2a resale, and about $65 to $71 a year more in annual assessment (our arithmetic on the district figures).

Landscaping, window treatments and upgrades

CC Homes delivers a professionally landscaped and sodded homesite with an automatic sprinkler system, brick paver driveway and covered rear terrace (CC Homes, Maple Ridge features). Blinds, screened lanai enclosures, extra pavers, gutters and mature plantings are typically the owner’s later spend, and every exterior change needs the HOA’s written architectural approval first; the HOA’s form notes requests “may take 45 Days to process” (Maple Ridge HOA Application for Architectural Modification). A resale often arrives with those items already approved and installed. CC Homes does not offer a pool option on Silverwood homes; its features page offers pools on Cove, Garden or Estate homes (CC Homes, Maple Ridge features). A resale buyer who wants a pool later applies to the HOA under the Declaration and Rules, which govern.

Warranty: what you know and what you must ask

CC Homes does not publish its warranty terms on its Silverwood plan, quick move-in or features pages (CC Homes features page). A new-build buyer should ask for the written warranty before signing and read what it covers and for how long. A resale buyer of a 2023 to 2025 home should ask the seller for the original warranty document and confirm with CC Homes, in writing, whether any remaining coverage transfers. A 2019 to 2021 Phase 1 home is past most builder coverage periods, so a full home inspection and a wind mitigation inspection carry more weight there.

Silverwood new versus resale at a glance

Sources: CC Homes, Maple Ridge; CC Homes features page; AMSCD Bond Balance and Assessment Info 2025 to 2026; FEMA National Flood Hazard Layer; Maple Ridge HOA Application for Purchase; Collier County Property Appraiser, 2026 tax roll data files.

How we help Silverwood buyers and sellers decide

Our team has priced Silverwood against CC Homes’ live inventory rather than against a community average, because the builder sets the ceiling for resales until it sells out. For a buyer, we put a specific resale next to the same plan’s current all-in builder price, the lot’s flood zone and the phase’s district balance. For a seller, we build the price from your purchase year, plat phase and the builder’s quick move-in homes on the day you list. Selling? Get a free Silverwood home valuation, or call Jesse direct at (239) 898-6072. Buying? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

How Did Silverwood at Maple Ridge Begin, and How Was It Built Out?

Silverwood at Maple Ridge began in December 2018, when CC Homes opened it as the successor to its sold-out Coquina section, on land first planned as a second Maple Ridge Estates phase. All 602 homesites are platted, Phases 1 and 2 are built out, and 46 lots were still titled to the builder in August 2026.

Silverwood is the entry-price section of the Maple Ridge at Ave Maria village that CC Homes, “a Codina-Carr company”, has built since 2013 in the town of Ave Maria. It shares one homeowners association, one clubhouse and one master association with the rest of Maple Ridge; what sets it apart is the plan set, the lot width, the price band and the district debt tier on each lot. The story below is assembled from the town developer’s launch notice (Ave Maria, “Silverwood at Maple Ridge Debuts in Ave Maria,” December 2018), the Ave Maria Stewardship Community District’s bond documents, CC Homes’ own pages and the Collier County Property Appraiser, 2026 tax roll data files (extract dated 29 August 2026).

Why Silverwood replaced Coquina and the second Estates phase

Coquina at Maple Ridge was CC Homes’ earlier entry-level section in the village. In August 2016 its one-story Grove plan was advertised from $186,990 and the Fernwood from $189,990 (Florida Weekly, August 2016). When Coquina sold out, CC Homes did not retire the designs: the developer’s December 2018 notice announced Silverwood with the same family of eight plans, from $211,990, and CC Homes’ own archived plan grid showed the January 2018 Coquina prices within $1,000 of the Silverwood launch prices (CC Homes Maple Ridge page, archived January 2018). Buyers who want the original version can still find it on resale in Coquina at Maple Ridge.

The land change happened on paper first. In February and April 2018 the district’s engineer’s report and assessment methodology were amended so that the infrastructure project financed by the Series 2016 bonds, which originally included a second Maple Ridge Estates phase of 38 units, instead covered “phase 1A of, and 40 units at, Silverwood.” The Estates homesites that were built became Maple Ridge Reserve; the next 40 lots became Silverwood. The swap is recorded in the district’s offering document (AMSCD Series 2022A Limited Offering Memorandum).

Silverwood timeline, 2016 to 2026

Sources for the table: Ave Maria Sun, “CC Homes creates a sense of community at Maple Ridge,” April 2020; AMSCD Final Budget FY 2026-2027; AMSCD board meeting book, 3 June 2025; CC Homes features page, archived January 2023; Ave Maria Sun, “New phase opens at Maple Ridge,” May 2024; CC Homes Maple Ridge page, read 1 October 2026.

Phases, plats and bond series

Silverwood was financed in six bond sub-phases and recorded in three plats. The district’s 2025 methodology describes the whole section as 602 lots on 123.2 acres, every one a 40-foot zero-lot-line single-family homesite (AMSCD board book, 3 June 2025).

Plat references for Phases 1 and 2 come from the legal descriptions in the AMSCD 2022A offering memorandum; build years and street counts come from the Collier County Property Appraiser, 2026 tax roll data files. The bond series on a lot decides its annual district debt line, which is why two Silverwood homes on the same street can show different tax bills: for the 2025 bill, a Phase 1 or 2 lot carried $2,460.43 to $2,466.17 a year and a Phase 3 or 4 lot $2,531.25, before the $142.22 increase adopted for the 2026 bill (AMSCD bond balance and assessment roll, good through 31 October 2026).

Why the county shows 635 parcels for 602 homes

The 2026 county roll carries 635 Silverwood parcels: 146 in Phase 1, 190 in Phase 2 and 299 in Phases 3 and 4. Only 602 of them are numbered home lots. The other 33 are common tracts (lakes, preserve, open space and road tracts) titled to the homeowners association, the district or CC Homes’ land entity, CC Ave Maria Estates, LLC. Phase 1 holds 129 lots and 17 tracts, Phase 2 holds 183 lots and 7 tracts, and Phases 3 and 4 hold 290 lots and 9 tracts (Collier County Property Appraiser, 2026 tax roll data files). The 602 figure matches the district’s planned count exactly, so 602 is the number of Silverwood homes at build-out.

Silverwood Vista: the March 2024 relaunch

In March 2024 CC Homes rebranded the remaining Silverwood lots as the Silverwood Vista collection: eight open-concept plans from about 1,200 to 2,300 square feet under air, two to five bedrooms, priced from the low $300,000s to the low $400,000s, with “new exterior façade styles” (Ave Maria Sun, May 2024). CC Homes announced “Silverwood Vista Debuts at Maple Ridge” on 21 May 2024, with eight designer-furnished models and a rate buy-down on select move-in-ready homes (CC Homes news, May 2024). The town developer described it as a “new phase” of single-family homes with exclusive access to the Club at Maple Ridge (Ave Maria blog, June 2024). The Vista plans are the same family as the 2018 plans; the two-story designs were re-sized slightly and the facades changed.

What is left to build in Silverwood

On the county ownership file dated 29 August 2026, 46 numbered Silverwood lots were still titled to CC Ave Maria Estates, LLC, all vacant and all in Phases 3 and 4: lot 366 on Cassidy Lane, lots 443 to 452 and 516 to 539 on Cassidy Lane and Agostino Way, lots 493, 495, 499, 504 to 509 and 512 on Agostino Way, and lot 545 on Argento Drive (Collier County Property Appraiser, 2026 tax roll data files). That leaves about 92 percent of the 602 lots in end-buyer hands. Two of those builder lots, 5783 and 5791 Agostino Way, were advertised as quick move-in homes in June 2026, and on 1 October 2026 CC Homes listed one Silverwood quick move-in, the Doheny at 5791 Agostino Way at $462,815 (CC Homes quick move-in homes). New Silverwood construction is in its final chapter; once those lots close, every Silverwood purchase will be a resale.

What Floor Plans and Home Styles Are in Silverwood at Maple Ridge?

Silverwood at Maple Ridge offers eight CC Homes Silverwood Vista floor plans, all detached zero-lot-line single-family homes on homesites about 38 feet wide and 100 feet deep: three one-story plans from 1,133 square feet and five two-story plans up to 2,260 square feet, priced from $334,990 to $410,990 (CC Homes, 1 October 2026).

The eight Silverwood Vista plans

Source: CC Homes Maple Ridge page, read 1 October 2026. Base prices exclude lot premiums and options. The one live quick move-in, the Doheny at 5791 Agostino Way (lot SW3-495, four bedrooms, ready September 2026), is listed at $462,815, about $72,825 over the Doheny base (CC Homes quick move-in homes, 1 October 2026). Square footage on this page is CC Homes’ plan area; the county roll’s base-area field measures something different and should not be read as living area.

Product type and homesites

Every Silverwood home is a detached single-family house on its own fee-simple platted lot, not a villa, duplex, townhome or condominium. The town developer called the 2018 homes “single-family homes (one- and two-story)” (Ave Maria, December 2018), and the county roll records all three Silverwood plats as subdivisions with single-family use codes (Collier County Property Appraiser, 2026 tax roll data files). The homes are zero-lot-line: each sits against one side line, which gives a usable side yard on the other. CC Homes tagged every Silverwood plan “38 feet wide lot” in January 2021, against 45 feet for Cove, 55 for Captiva Garden and 65 for Capistrano Estate (CC Homes Maple Ridge page, archived January 2021). The most common Silverwood lot on the county land table is 3,810 square feet, consistent with 38.1 by 100 feet, and the median parcel is about a tenth of an acre in every phase. CC Homes’ 2025 Silverwood site plan marks both 38-foot and 42-foot “Z” (zero-lot) homesites (CC Homes Silverwood site plan); corner and pie-shaped lots run larger, up to about 0.3 acre.

One-story plans: Grove, Fernwood and Huntington

The three single-level plans are the ones downsizers and second-home buyers ask about first. The Grove is the smallest Silverwood home at 1,133 square feet, with two bedrooms, two baths, a primary bedroom with walk-in closet, a covered terrace and, unusually for the smallest plan, a two-car garage. The Fernwood adds a den and a laundry room at 1,366 square feet with a one-car garage. The Huntington, 1,630 square feet with three bedrooms, two baths, an eat-in kitchen and two walk-in closets at the primary bedroom, was the only three-bedroom one-story plan and is now sold out as new construction, so the remaining Huntingtons come to market only as resales (CC Homes Maple Ridge page; plan descriptions from CC Homes Grove plan, archived 2020). In spring 2025 CC Homes had three or four Huntington quick move-ins listed at once and cut several by $20,000 to $26,000 within three months (CC Homes Maple Ridge page, archived June 2025).

Two-story three-bedroom plans: Anaheim, Cascada and Balboa

The Anaheim (1,671 square feet) puts the great room off the kitchen with laundry downstairs and the primary suite upstairs, over a one-car garage. The Cascada (1,826 square feet) adds a family room beside the great room, upstairs laundry and a two-car garage, with a separate great room option. The Balboa (1,924 square feet) adds a breakfast nook and storage closet and keeps a one-car garage; CC Homes’ 2026 quick move-in text shows a “Balboa 3” elevation with a balcony (CC Homes Maple Ridge page; CC Homes Cascada plan, archived 2020). The Cascada is the renamed Corona from the 2018 launch: CC Homes’ 2020 Cascada page carries the identical description and the same 1,810 and 2,279 square feet the Corona had in Coquina (CC Homes, archived January 2018). A listing that calls a home a Corona is describing an early Cascada.

The largest plans: Doheny and Encinitas

The Doheny (2,047 square feet) has three bedrooms plus a loft that can be built as a fourth bedroom, two and a half baths, upstairs laundry and a two-car garage. The Encinitas (2,260 square feet) is the only Silverwood plan with the primary suite on the ground floor, plus three more bedrooms, a loft, three and a half baths and a one-car garage; CC Homes offers fifth-bedroom and wet bar options (CC Homes Maple Ridge page; CC Homes Encinitas plan, archived 2020). They are the only two Silverwood plans that reach four bedrooms, which makes them the family plans of the section and, on resale, the ones that draw the widest buyer pool.

One-story or two-story, and the garage question

Three of the eight plans are one-story and five are two-story. Garages split three to five: the Grove, Cascada and Doheny have two-car garages; the Fernwood, Anaheim, Huntington, Balboa and Encinitas have one-car garages (CC Homes Maple Ridge page). The garage matters more in Silverwood than in a wider-lot section, because the Maple Ridge rules keep cars in the garage or on the driveway and bar boats, RVs and commercial vehicles outside an enclosed garage (Maple Ridge at Ave Maria HOA Rules and Regulations). A two-car buyer looking at a one-car plan should check the driveway width on the specific lot.

Exterior styles and roofs

At the 2018 launch the developer described Silverwood exteriors as Spanish colonial and Santa Barbara styles with barrel tile roofs, brick paver driveways and concrete block construction built to hurricane code (Ave Maria, December 2018). The 2024 Vista relaunch brought new facade styles (Ave Maria Sun, May 2024), and CC Homes’ current feature list specifies a “concrete roof tile in flat or S shape (per plan/scheme)” (CC Homes features page). Repainting or changing an exterior later goes through the association’s architectural review, and the review form limits exterior paint to approved colors (Maple Ridge HOA architectural modification application).

How the same plan has been priced since 2016

Sources: Florida Weekly, August 2016; Ave Maria, December 2018; CC Homes, archived January 2021; CC Homes Grove plan, archived January 2023; CC Homes Maple Ridge page, 1 October 2026. Almost the whole run-up came between January 2021 and January 2023, when base prices rose 34 to 41 percent; since late 2023 they have moved about $2,000 per plan. That shape explains the resale pattern on this page: owners who bought before 2022 bought below today’s base, while owners who bought in 2023 and 2024 bought at the top of the curve.

What Features Come Standard in a Silverwood Home, and Can You Add a Pool?

A new Silverwood at Maple Ridge home comes with concrete block construction on both floors, impact glass windows, impact-resistant garage doors, a concrete tile roof, granite or quartz counters and stainless appliances, per CC Homes’ current feature list. CC Homes does not offer a pool option on Silverwood homes; it offers pools only with Cove, Garden and Estate homes.

The current CC Homes specification

CC Homes publishes one feature list for all Maple Ridge collections, with lines that name Silverwood (CC Homes Maple Ridge features, read 1 October 2026). The highlights for a Silverwood Vista home:

• Structure: steel-reinforced, termite-treated concrete foundation and “second floor hurricane code compliant concrete block construction”, so two-story plans are block on both levels, not wood-framed upstairs.
• Openings: impact glass on all first and second floor windows, impact-resistant garage doors, screens on operable windows.
• Roof and exterior: concrete roof tile, brick pavers on the driveway, walkway, covered entry and covered rear terrace, sodded and landscaped lot with automatic sprinklers.
• Interior: volume ceilings, 18-inch by 18-inch tile in the main living areas and baths, carpet in non-tiled areas.
• Kitchen: stainless appliance package with a side-by-side refrigerator, smooth-top range, built-in microwave hood and dishwasher, granite or quartz counters, stainless undermount sink.
• Systems: minimum 200-amp electrical service, high-efficiency air conditioning, energy-efficient water heater, full-size washer and dryer included.

The Ave Maria Sun’s 2024 Vista coverage adds that second floors are “concrete block construction (not wood frame)” and cites compliance with Miami-Dade County building codes (Ave Maria Sun, May 2024). CC Homes’ warranty terms are not published on its feature or plan pages; ask the sales gallery at 5009 Alonza Avenue for the written warranty and whether any part transfers to a resale buyer.

The January 2021 Silverwood specification

Early Silverwood homes were delivered to a lighter spec. In January 2021 CC Homes still published a separate Silverwood feature tab (CC Homes Maple Ridge page, archived January 2021):

The same January 2021 page showed the Cove collection with an identical spec list at that time. In practice, a Phase 1 home built in 2019 and a Phase 3 home built in 2025 can share a floor plan and a street name yet differ in windows, tile and electrical service.

The impact glass caveat

Impact glass is standard on a Silverwood Vista home, but it was not always standard in Silverwood. It is absent from the January 2021 Silverwood tab and present in CC Homes’ shared spec by January 2023 (CC Homes features page, archived January 2023); the exact changeover date is not published. Older Phase 1 and early Phase 2 homes may have standard windows with shutters or panels instead. For a buyer the difference shows up in hurricane preparation and in the wind-mitigation credits an insurer applies, so we confirm the window type on every Silverwood home we list or show, from the home itself, the wind-mitigation report and the permit history, rather than assuming it from the plan name.

Doors and upper cabinets are shared with Cove

Two spec lines are often described as “Silverwood only” and are not. CC Homes’ current list gives “6’8” raised panel interior doors in Cove and Silverwood homes (per plan)" against 8-foot doors in the larger Maple Ridge homes, and “30” upper cabinets in Silverwood and Cove collection homes" against 42-inch uppers in Garden and Estate (CC Homes Maple Ridge features). So the interior spec gap is Silverwood and Cove on one side, Captiva Garden and Capistrano Estate on the other. Against Cove, the spec line that separates Silverwood is the pool option.

Can you add a pool to a Silverwood home?

Not as a CC Homes option. The builder’s feature page says: “Want to add a pool for the Florida home of your dreams? Choose a Cove, Garden or Estate home for your very own outdoor oasis” (CC Homes Maple Ridge features). That is CC Homes’ offering, not a deed restriction. The association’s rules say “Above ground pools are not permitted” and require prior written architectural approval for any in-ground pool, spa, screened room or rear-yard structure (Maple Ridge HOA Rules and Regulations); the architectural modification form includes a “pool installation” box and requires a professional drainage plan for any new improvement within a lot (Maple Ridge HOA architectural modification application). On a zero-lot-line homesite about 38 feet wide, setbacks and drainage leave little room, so a buyer who must have a private pool should look at Cove or larger. Every Silverwood owner has the resort-style pool at the Club at Maple Ridge, which CC Homes describes as “exclusively accessible for Maple Ridge and Silverwood residents” (CC Homes Maple Ridge amenities).

What a Silverwood resale buyer should check

A resale is a finished home with landscaping, window treatments and often upgrades, but it was built to the spec of its year. Before writing an offer we check, address by address:

1. Window type: impact glass, or standard windows with shutters, using the wind-mitigation report and permit history.
2. Electrical service: 150-amp on early homes versus 200-amp today, which matters for an EV charger or added equipment.
3. Flooring: carpet in living areas on the 2019 to 2021 spec versus tile on later homes.
4. Flood zone at the lot: most Silverwood parcels touch FEMA’s special flood hazard area on panel 12021C0255H, so we read the zone for the exact address on the FEMA Flood Map Service Center.
5. District phase: which bond sub-phase the lot sits in, read from the AMSCD bond balance and assessment roll.
6. Prior architectural approvals: any pool, screen enclosure, fence or paver extension an owner added should carry an approval letter from the association.

Who Else Is Building Near Silverwood, and Does It Compete?

Silverwood at Maple Ridge competes most directly with Cadiz at Ave Maria, a 63-homesite CC Homes enclave priced from $334,990 and maintained by the same Maple Ridge homeowners association, then with CC Homes’ larger Cove, Garden and Estate collections next door, and with the other builders selling new homes elsewhere in Ave Maria.

Cadiz at Ave Maria: the same builder, the same HOA, the same price

Cadiz is the newest CC Homes section and the closest substitute for a Silverwood home. The Ave Maria Stewardship Community District’s 2025 methodology lists Cadiz at Ave Maria at 63 homesites, notes that Collier County has approved its plat, and states it is “being maintained by the Maple Ridge Homeowners Association” (AMSCD board book, 3 June 2025). The district’s July 2025 materials describe Cadiz as “smaller lots, similar to Silverwood” (AMSCD board book, 1 July 2025), and its October 2025 offering draft lists the CC Homes price points as “Silverwood $334,990+ … Cadiz at Ave Maria $334,990+” (AMSCD board book, 14 October 2025). The district counted no Cadiz closings at 31 March 2025.

For a Silverwood seller, Cadiz means the builder will still have new homes at the Silverwood price after the last Silverwood lot closes. For a buyer, it means two new-construction choices at the same entry price under the same association. We compare a Silverwood resale against both the Silverwood quick move-in list and Cadiz before we set or judge a price.

The core Maple Ridge collections

CC Homes’ wider-lot collections share the Silverwood clubhouse and association but sit at higher prices and on bigger homesites, all 135 feet deep (CC Homes Maple Ridge page, base prices as listed autumn 2026):

The top Silverwood plan, the Encinitas at $410,990, overlaps the bottom of Cove at $400,990: a buyer at that price chooses between four bedrooms on a 38-foot lot and a one-story Cove plan with a pool option on a 45-foot lot. Silverwood also competes with its own resales; the Collier County Property Appraiser, 2026 tax roll data files show a twelve-month resale median (August 2025 to July 2026) of $356,400 across 15 sales, against $394,900 for 33 builder-direct sales in the same window. Owners moving up within the village can compare these collections without changing associations; the Maple Ridge buyer guide covers the whole village.

Other builders in Ave Maria

Ave Maria has four builders selling new homes, and Silverwood is the low-price entry to the CC Homes side of town. Lennar builds The National Golf and Country Club, with single-family homes and the condominium buildings of Terrace Condominiums at The National sold with golf or social memberships (Lennar, The National brochure). Pulte built Avalon Park and is now selling Gatherpoint (Pulte, Avalon Park at Ave Maria; Pulte, Gatherpoint). Del Webb sells the 55-and-over village Del Webb Naples (Del Webb Naples). Every one of them sits under the same Ave Maria Master Association and the same Chapter 189 stewardship district, so the town-level fee layers are common to all; what differs is the neighborhood association, the club, the district debt tier and the age rule. A Silverwood buyer who wants a pool, golf or a 55-and-over setting is shopping a different product; a buyer who wants the lowest-priced new single-family home with a resort club is choosing between Silverwood, Cadiz and the resale market.

Thinking about selling or buying in Silverwood at Maple Ridge?

McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008, and we price every Silverwood home against the live CC Homes quick move-in list, Cadiz and the recorded resales, phase by phase, inside Maple Ridge at Ave Maria.

Selling a Silverwood home? Get a free Silverwood home valuation or call Jesse direct at (239) 898-6072. Buying in Silverwood or Cadiz? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Amenities Do Silverwood at Maple Ridge Residents Get?

Silverwood at Maple Ridge residents use The Club at Maple Ridge, a 10,000 square foot clubhouse that opened in April 2019 at 4995 Brigata Way and that CC Homes describes as “exclusively accessible for Maple Ridge and Silverwood residents.” Silverwood itself has lakes, sidewalks and preserve edges, but no pool, park or playground of its own.

Silverwood shares one homeowners association and one clubhouse with the rest of Maple Ridge at Ave Maria, so the amenity question is really two questions: what the Maple Ridge club offers, and what the wider town of Ave Maria adds through the Ave Maria Master Association.

The Club at Maple Ridge, as built

CC Homes lists the club’s as-built amenities as a fully staffed clubhouse with a Lifestyle Director, a resort-style pool, pickleball, a covered pavilion with a bar counter and grills, an exhibition kitchen and banquet space, a coffee bar, party rooms, a billiards room, a playground, a dog park, a fitness center, an aerobics studio, massage rooms and two saunas, plus visiting food trucks (CC Homes, Maple Ridge community amenities). CC Homes’ Maple Ridge page gives the building as “a private 10,000 square-foot Clubhouse” (CC Homes, Maple Ridge), and the club opened in April 2019 (Ave Maria Sun, “CC Homes creates a sense of community at Maple Ridge”).

The developer’s 2024 announcement of the Silverwood Vista collection adds cabanas, a gym with a jacuzzi and sauna, a game room, a craft room, a reading room and a kids’ playroom to the description (avemaria.com, June 2024). Earlier marketing from 2016 to 2018 described a larger 12,000 square foot concept with two pools and a restaurant; what was built is the 10,000 square foot club above, and that is the list buyers should rely on.

Who can use the club, and how

The access wording comes from the builder: The Club at Maple Ridge is “exclusively accessible for Maple Ridge and Silverwood residents” (CC Homes, Maple Ridge community amenities). The onsite association office sits at the club, 4995 Brigata Way, and is run by Miami Management, Inc. (Maple Ridge HOA, Community Contacts). Club hours, pool hours, guest rules, the access card process and rental rates for party rooms are not published on the association’s public pages; ask the onsite office during weekday business hours. The association’s public “Clubhouse” page posts community and fitness calendars (Maple Ridge HOA, Clubhouse), and a Lifestyle Director runs social and fitness events.

From Agostino Way in Silverwood the club is about 2.2 miles by road, roughly 9 minutes by car in free-flowing traffic (OpenStreetMap routing, queried 1 October 2026), so most Silverwood owners drive or take a golf cart rather than walk.

What is not inside Silverwood

CC Homes’ 2025 Silverwood site plan has a three-item legend: 38-foot “Z” lots, 42-foot “Z” lots, and open space or common space (CC Homes, Silverwood site plan, 2025). No pool, playground, dog park, pocket park, cabana or gatehouse is drawn inside Silverwood. The green space is the lake edges, the perimeter preserve bands on the north and south, and the strips between streets (Cassidy Lane, Cobalto Way, Carrara Drive, Argento Drive, Cerva Lane, Morino Way, Soria Avenue and Agostino Way). Silverwood is not gated; the site plan shows open street connections.

Private pools are also a builder-offering question, not an amenity: CC Homes’ features page says “Want to add a pool for the Florida home of your dreams? Choose a Cove, Garden or Estate home” (CC Homes, Maple Ridge features), so CC Homes does not offer a pool option on Silverwood homes. That is the builder’s offering, not a deed restriction; an owner who wants a pool later applies to the association’s architectural committee (see the rules section below).

Town amenities Silverwood owners use

Every Ave Maria home also belongs to the Ave Maria Master Association, which manages “the Resident Amenities, North Park, South Park, Water Park, and the Fitness Center” (Ave Maria Master Association). The developer lists the parks as follows (avemaria.com, Recreation and Amenities):

• North Park: pickleball courts, soccer and baseball fields, tennis and basketball courts, a tot lot playground and picnic pavilions; about 2.4 miles and 8 minutes from Silverwood.
• South Park: a softball field, eight bocce courts, tennis courts, a walking and running trail, an amphitheater, picnic pavilions and a dog park.
• Ave Maria Water Park: a resort-style and fitness pool, lap lanes, two water slides, a cascading spa and a beach volleyball court. It charges per visit; when it reopened after renovation in April 2024 admission was $5 per resident on weekdays and $7 on weekends (avemaria.com, April 2024). Check current prices before you go.
• Fitness Center: 5,000 square feet of workout and classroom space; the Master Association issues the resident key card (Ave Maria Master Association, New Homeowner Info).

Shops, services and healthcare near Silverwood

The La Piazza Publix at 4975 Avila Avenue is 1.6 miles and about 6 minutes from Agostino Way (Publix, store 1252), and Midtown Plaza at 5360 Ave Maria Boulevard, which opened in May 2025 with Sunshine Ace Hardware, Dunkin’ and other tenants, is 1.7 miles away (avemaria.com, Midtown Plaza). NCH Immediate Care, a walk-in urgent care in Midtown Plaza, opened in May 2025 (NCH, May 2025). NCH has announced a planned 150-bed hospital in Ave Maria (NCH, October 2025); until it opens, the nearest full emergency department is about 35 to 40 minutes away by car.

Drive times from Agostino Way in free-flowing traffic (OpenStreetMap routing, queried 1 October 2026): I-75 at Immokalee Road (Exit 111) about 42 minutes; 5th Avenue South in Naples about 59 minutes; Southwest Florida International Airport about 59 minutes via State Road 82. Peak-season traffic runs longer.

Golf near Silverwood

There is no golf course inside Maple Ridge or Silverwood. Panther Run Golf Club at Del Webb Naples is an 18-hole, par 72 course that takes public tee times (Paradise Coast, Panther Run Golf Club). The National Golf and Country Club is a separate Lennar community whose golf membership is bundled for its own residents (Lennar, The National brochure); terms for outside residents are not published.

What Are the HOA Fees in Silverwood at Maple Ridge?

Silverwood at Maple Ridge owners pay two association layers: the Maple Ridge at Ave Maria Homeowners Association, which sets its own budget and does not publish its 2026 assessment, and the Ave Maria Master Association at $203 per quarter ($812 a year) in 2026. The exact neighborhood figure for a home appears on its estoppel certificate and disclosure summary.

There is no separate Silverwood association. Silverwood homes sit in the Maple Ridge association, and the Master Association’s own page states that “Miami Management manages Maple Ridge, Coquina, Silverwood, and the Maple Ridge Reserve” (Ave Maria Master Association, Associations).

The neighborhood HOA: entity and manager

The association is Maple Ridge at Ave Maria Homeowners Association, Inc., a Florida not-for-profit corporation filed 6 March 2013, document number N13000002185, principal address 4995 Brigata Way (Florida Division of Corporations, Sunbiz). It is managed by Miami Management, Inc. from the onsite office at the club, (239) 867-4527 (Maple Ridge HOA, Application for Architectural Modification). The recorded Declaration calls it the “Neighborhood Association” and the town-wide body the “Master Association” (Maple Ridge Declaration, OR 4958, Page 857).

What the neighborhood assessment pays for

The Declaration funds the association’s common expenses through general assessments, and Section 6.13 lets the developer or the association sign bulk contracts for services such as cable, internet, security monitoring and pest control, with every home paying its share (Maple Ridge Declaration). Whether a bulk cable or internet agreement is part of the 2026 budget is not published; the association’s public financial page posts audits only through 2019 (Maple Ridge HOA, Financials). The posted Rules make several items the owner’s job, not the association’s: irrigation within the lot, fertilization, pest control within the parcel and driveway upkeep (Maple Ridge HOA, Rules and Regulations). Budget for lawn care separately unless the estoppel or budget says otherwise.

How to get the exact 2026 HOA figure

The 2026 neighborhood assessment is not posted on the association’s public site, on CC Homes’ Maple Ridge pages, or in the Stewardship District’s bond documents, which exclude neighborhood association fees from their cost tables. Two documents give it to you in writing:

• The disclosure summary. Every resale contract in a Florida homeowners association must carry the s. 720.401 summary, which states "THE CURRENT AMOUNT IS $___ PER ___" for association assessments (s. 720.401, Florida Statutes).
• The estoppel certificate. Under s. 720.30851 the association must state “the regular periodic assessment levied against the parcel” and any amount due, within 10 business days of the request (s. 720.30851, Florida Statutes).

An owner can also ask the association for the current adopted budget as an official record under s. 720.303 (see the turnover section below).

The Ave Maria Master Association: $203 per quarter

The Master Association posts its 2026 fee as “$203.00 per quarter / $812 per year,” up from $198 per quarter in 2025, due 1 January, 1 April, 1 July and 1 October and paid through ClickPay; ACH autopay carries no extra fee and one-time manual online payments carry a $3.00 service fee (Ave Maria Master Association, Payment Options). It is managed by FirstService Residential from 5080 Annunciation Circle, Unit 101, (239) 867-4322 (Ave Maria Master Association).

Estoppel certificates at resale

“Every home in Ave Maria belongs to 2 Associations,” the Master Association tells agents, and “for every sale of a home, Estoppels are required from each association” (Ave Maria Master Association, Realtor Information). Miami Management’s form charges $299 for the Maple Ridge estoppel, delivered in 7 business days, plus $119 to expedite to 2 business days, with one free update within 30 days (Maple Ridge HOA, Estoppel Request form). Those amounts track the statutory cap: s. 720.30851(6) sets $250 plus $100 for expedited delivery, adjusted every five years for inflation (s. 720.30851). The Master Association estoppel is ordered separately through FirstService Residential, with its fee shown at checkout (Ave Maria Master Association, Resale and Lending Requests).

The Silverwood fee bundle in one table

No capital contribution or transfer fee appears in the Declaration text or on either association’s public site; if one applies, it shows on the estoppel certificate.

How Much Is the Ave Maria Stewardship Community District Assessment on a Silverwood Home?

Silverwood at Maple Ridge homes carry an Ave Maria Stewardship Community District assessment of $2,460.43 to $2,531.25 a year on the 2025 tax bill, depending on phase, rising by $142.22 to $2,602.65 to $2,673.47 on the November 2026 bill. About $984 of the new figure is operations and reserves; the rest repays bonds.

The Ave Maria Stewardship Community District (AMSCD) is an independent special district created by Chapter 2004-461, Laws of Florida, under the Chapter 189 Special Purpose Local Government Act (AMSCD). It is not a homeowners association: it built and maintains the roads, water management and other infrastructure, and it collects its assessments on the Collier County property tax bill under the uniform method (AMSCD Series 2022A Limited Offering Memorandum).

The per-phase table, FY 2025-26 and FY 2026-27

Every Silverwood home lot on the 2026 county roll matches the district’s own parcel list, and the amount is identical within each bond sub-phase (AMSCD Bond Balance and Assessment Info 2025-2026; AMSCD Final Budget FY 2026-2027, adopted 4 August 2026).

The 602 assessed lots match the 602 platted home lots; the 33 common tracts carry no assessment. Phase 1 is recorded at Plat Book 63, pages 95 to 102 (lots 1 to 129), and Phase 2 at Plat Book 67, pages 88 to 93 (lots 130 to 312), in the Collier County public records (AMSCD Series 2022A Limited Offering Memorandum).

Why FY 2026-27 is $142.22 higher

The whole increase is operations and maintenance plus reserves; the debt installments do not change. The adopted budget sets single-family O&M at $828.14 and reserve at $156.06, a combined $984.20 per home, against $841.98 in FY 2025-26 (AMSCD Final Budget FY 2026-2027). The district’s amounts include the 4 percent discount for early payment and the county collection costs, so an owner who pays the tax bill in November pays slightly less than the gross figure.

The bond series behind each phase

Each Silverwood sub-phase was financed by a different pairing of district bonds, which is why the debt line differs by a few dollars between phases (AMSCD Final Budget FY 2026-2027):

Phases 3 and 4 were unplatted when the 2022 offering projected a lower debt figure for them; they were ultimately financed with the Series 2023 Master bonds, which is why they carry the highest debt line today. The debt is scheduled to run into the 2040s and early 2050s depending on phase; prepayments and annual true-ups can change that schedule, so no payoff year is promised here.

Payoff balance, and why payoff is not required at closing

The district publishes a per-parcel payoff balance, good through 31 October 2026: $18,071.19 to $23,387.85 per Silverwood lot, depending on phase. Its own roll states that the “bond balance does not have to be paid off at closing” (AMSCD Bond Balance and Assessment Info 2025-2026). An owner who wants to prepay contacts the district manager, Special District Services, Inc. (AMSCD). Prepaying removes the debt line from future bills; the O&M and reserve lines remain.

What it means for a buyer’s monthly cost and a seller’s net

For a buyer, the district line works like part of the monthly payment even though it arrives once a year on the tax bill: on FY 2026-27 figures it is about $217 a month in Phases 1 and 2 and about $223 a month in Phases 3 and 4. A lender escrowing taxes will include it. Comparing a Phase 1 resale against a new Phase 3 or 4 home, the district difference is about $71 a year today and about $5,100 to $5,300 in remaining principal.

For a seller, the debt stays with the home, so the payoff balance does not come out of the seller’s proceeds. The current year’s tax bill, including the district lines, is normally prorated between buyer and seller at closing. A buyer may ask for a credit toward the debt; that is a negotiation, not an obligation, and it belongs in the pricing conversation.

What Does a Silverwood Owner Pay Each Year, All In?

A Silverwood at Maple Ridge owner pays five recurring costs: the Maple Ridge HOA assessment (stated on the estoppel), the Master Association at $812 a year, the district assessment of $2,603 to $2,673 for FY 2026-27, county property tax and insurance. The known fixed layers total about $3,415 to $3,485 a year.

A worked example, Phase 3 and 4 home, FY 2026-27

For a Phase 1b or 2a home the fixed subtotal is $3,414.65 a year ($284.55 a month); for 1a it is $3,420.39, and for 2b $3,417.20.

How the county property tax line works

The Collier County ad valorem tax is the home’s taxable value multiplied by the combined millage rates of the county, the school board and other taxing authorities, and it appears on the same bill as the district lines (Collier County Tax Collector). A buyer’s assessment resets to market value in the year after purchase, so the seller’s current bill is not the buyer’s future bill. A Florida primary residence can claim the homestead exemption (s. 196.031, Florida Statutes), and once homesteaded the assessed value’s annual increase is capped by Save Our Homes (s. 193.155), which also allows portability of up to $500,000 of the accumulated benefit to a new Florida homestead. Because the tax depends on purchase price, exemptions and the year’s adopted millage, we do not publish a single Silverwood tax figure; we estimate it for a specific home and price.

Insurance pointers for Silverwood

• Flood: most Silverwood homes sit in FEMA Zone AH or AE on panel 12021C0255H (effective 16 May 2012), a Special Flood Hazard Area, so a federally backed mortgage requires flood insurance (Collier County 2026 Flood Protection Newsletter). Collier County’s Class 5 rating gives eligible NFIP policies a 25 percent discount.
• Citizens: Citizens Property Insurance requires flood coverage on policies for homes in a Special Flood Hazard Area (Citizens, March 2023).
• Roof age: every Silverwood roof dates from 2019 or later, well short of the 15-year point at which insurers may require a roof inspection (My Safe Florida Home, 15-year roof rule).
• Wind mitigation: a uniform mitigation inspection documents the roof attachment and impact openings that earn premium credits; get one before you shop policies.

Comparing carrying costs before a sale? Get a free Silverwood home valuation or call Jesse direct at (239) 898-6072. Budgeting before a purchase? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What Do the Maple Ridge Declaration and Rules Say for Silverwood Owners?

Silverwood at Maple Ridge homes are governed by the Declaration of Covenants for Maple Ridge at Ave Maria, recorded 22 August 2013 at Collier County Official Records Book 4958, Page 857, as amended and supplemented, and by the association’s posted Rules and Regulations. Together they cover architectural approval, parking, boats and RVs, signs, trash cans and more.

The governing Declaration

The Declaration was made by CC Ave Maria, LLC as developer and is posted by the association as “Maple Ridge Recorded Documents,” 54 pages including the Articles and Bylaws (Maple Ridge Declaration, OR 4958, Page 857). The Rules and Regulations are posted alongside it (Maple Ridge HOA, Rules and Regulations), on the association’s documents and forms page.

How Silverwood sits under it

Section 2.2 of the Declaration lets the developer amend it “for the purpose of adding to the Property any property owned by Developer or its affiliates,” without other owners’ consent (Maple Ridge Declaration). That is the mechanism that brought later sections into the one Maple Ridge association, and Silverwood owners follow the same Declaration and Rules as owners in the core Maple Ridge collections and Coquina at Maple Ridge. Ask for the recorded amendments adding Silverwood in the disclosure package; they travel with the title work.

Architectural review (ARC)

Article 7 of the Declaration requires plans, specifications and samples for any exterior change; the committee gives a written decision with reasons, and an applicant may appeal to the board within 30 days (Maple Ridge Declaration). The association’s application form warns that “ACC forms may take 45 Days to process” and that work “can NOT begin until you receive an answer/approval in writing”; its checkboxes include paint “as per approved colors,” fences, hurricane shutters, landscaping, pavers and driveway extensions, pool installation, spas and satellite dishes, and any new improvement needs a drainage plan (Maple Ridge HOA, Application for Architectural Modification). The Rules add specifics: fences in bronze aluminum or black vinyl-coated chain link up to 4 feet, with no chain link facing a lake; hedges up to 6 feet; solar panels not on the front of the home; satellite dishes up to 24 inches; “only bear proof storage sheds”; original paver style and color on driveways; above-ground pools not permitted (Rules and Regulations).

On Silverwood’s 40-foot zero-lot-line homesites, an in-ground pool added after closing is not banned by the Rules text, but it needs ARC approval and has to fit the lot’s setbacks and drainage.

Parking, RVs, boats and commercial vehicles

The Rules say “Owners’ automobiles shall be parked in the garage or driveway, and shall not block the sidewalk,” with no parking on the roadway, swale or lawn. Campers, RVs, motor homes, trailers, boats, boat trailers, horse trailers and commercial vehicles may not be kept anywhere except inside an enclosed garage or a space the association designates, and owners are told to consult the association before buying any vehicle other than a passenger car. Vehicles must be operational and tagged, no repairs are allowed outside the garage, and violating vehicles may be towed after 24 hours’ notice under s. 715.07, Florida Statutes. No motorized boats may be used on the lakes (Rules and Regulations). Garages may not be converted to living space without approval.

Signs, including For Sale signs

The Rules bar “any sign of any kind (including, without limitation, any ‘For Sale’ or ‘For Rent’ signs)” on a Silverwood lot (Rules and Regulations). A Silverwood seller’s marketing therefore runs through photography, online exposure and agent networks rather than a yard sign. Flags are limited to one United States or Florida flag plus one military or POW-MIA flag.

Trash cans and hurricane shutters

Trash cans may not go out “earlier than 7:00 a.m. on the day of pick-up” and must be put away out of view the same day (Rules and Regulations). Collection is Collier County curbside service; check your day with the county’s lookup (Collier County, Solid Waste). Hurricane shutters may go up no earlier than 48 hours before a watch or warning and must come down within 72 hours after it.

Golf carts (Collier County Ordinance 2016-14)

Golf carts are everyday transport in Ave Maria under Collier County Ordinance 2016-14 and the district’s Golf Cart Drivers Handbook: they “may be operated on the roads and streets in Ave Maria, Florida, with the exception of designated portions of Ave Maria Boulevard, Anthem Parkway and Pope John Paul II Boulevard,” where the path must be used (AMSCD Golf Cart Drivers Handbook; 2026 edition). Carts need brakes, steering, a rearview mirror and red reflectors, run sunrise to sunset unless fitted with lights and a windshield, and are registered with the district. Drivers must be at least 15, and since 2023 drivers under 18 need a learner’s permit or license (Ave Maria Sun, May 2024). The 1.6-mile trip from Silverwood to Publix is a realistic cart ride.

Is Silverwood at Maple Ridge a 55+ Community?

No. Silverwood at Maple Ridge is an all-ages neighborhood: the recorded Maple Ridge Declaration contains no age restriction, no Silverwood document we read limits occupancy by age, and the Club at Maple Ridge has a playground and a kids’ room. Buyers of any age can purchase, and children can live in the home.

The developer’s own FAQ addresses age restriction for the town, and within Ave Maria the age-restricted village is Del Webb Naples, Pulte’s 55+ community (avemaria.com, FAQs). A 55+ community must meet the federal Housing for Older Persons Act tests, including age verification and published policies; nothing in the Maple Ridge Declaration or Rules does so (Maple Ridge Declaration). Buyers who want single-level living without an age rule can look at Silverwood’s one-story plans, the 1,133 square foot Grove and the 1,366 square foot Fernwood (CC Homes, Maple Ridge).

Can You Rent Out a Home in Silverwood at Maple Ridge?

Yes, a Silverwood at Maple Ridge owner can rent the whole home with association approval: leases must run at least 30 days, a home may have no more than two leases in any 12-month period, rooms cannot be rented separately, and subleasing is barred. Nightly and weekly vacation rentals are not allowed under the posted Rules.

The leasing rules, in the association’s words

The Rules read: “Entire Residential Parcels may be rented … No fraction or portion may be rented,” “Individual rooms of a Home may not be leased on any basis. No transient tenants,” and “No Residential Parcel may be subject to more than two (2) leases in any twelve (12) month period, regardless of the lease term.” The minimum is 30 days, time-sharing, subleasing and assignment are prohibited, and occupancy may not exceed two persons per bedroom. Leases go on association-approved forms, a copy goes to the association, and the association may terminate a lease on tenant default (Maple Ridge HOA, Rules and Regulations). Declaration Section 9.6 adds that the owner is jointly liable for tenant damage and that the board may require an escrow of up to $500 (Maple Ridge Declaration).

Two leases a year at a 30-day minimum suits an annual tenant or one seasonal tenant plus one off-season lease; it does not support stacking several short seasonal stays.

The tenant application

Every tenant goes through the association’s Application for Tenant Occupancy: $150 per applicant over 18 to the association plus a $150 processing fee to Miami Management, with “a minimum of 14-21 business days” to process (Maple Ridge HOA, Application for Tenant Occupancy). The Rules cap the background and credit check fee at “no more than One Hundred dollars,” and the association “will withhold the screening process” on a lease or purchase while the home has any outstanding violation or unpaid balance (Rules and Regulations). Clear any violation before you list for rent.

Pet limits for tenants

The tenant application’s pet registration form caps a tenant’s pet at an “Approximate weight of pet (full-grown): ___ Lbs. (must not exceed 70Lbs)” and excludes pit bulls, “wolf hybrids” and other dogs prone to aggressive behavior; a color photo of each pet is required (Application for Tenant Occupancy). An owner screening a tenant with a large dog should check the weight before signing.

What Are the Pet Rules in Silverwood at Maple Ridge?

Silverwood at Maple Ridge allows “a reasonable number” of dogs, cats and other usual household pets under the recorded Declaration. The posted Rules require a leash outside the home or fenced rear yard, and the association’s registration forms exclude pit bulls and wolf hybrids and cap tenant pets at 70 pounds. Confirm with the association before you sign.

The rules come in three layers, and the strictest applicable layer is the one that bites.

Layer one: the recorded Declaration

Declaration Section 10.1 permits “a reasonable number of dogs, cats and other usual and non-exotic household pets,” bars animals raised or bred for commercial purposes, excludes “other dogs prone to or exhibiting aggressive behavior,” and requires pets to be leashed outside unless the yard has a fence or “invisible fence” (Maple Ridge Declaration).

Layer two: the posted Rules and Regulations

The Rules allow domestic pets “as permitted by County ordinances,” require that “ALL PETS SHALL BE KEPT ON A LEASH WHEN NOT IN THE APPLICABLE RESIDENTIAL UNIT OR FULLY ENCLOSED IN REAR YARD,” bar tie-outs and nuisance barking, require owners to pick up waste, and let the board order a nuisance pet removed within 48 hours of notice. Service animals are exempt (Maple Ridge HOA, Rules and Regulations). The Rules set no numeric pet limit.

Layer three: the purchase and tenant registration forms

Both the purchase application and the tenant application carry a pet registration form stating that “cats, dogs and other usual and non-exotic household pets may be kept (except for pit bulls, ‘wolf hybrids’ or other dogs prone to or exhibit aggressive behavior),” with a photo of each pet. The tenant form adds the 70-pound full-grown weight cap; the purchase form has no weight cap (Application for Purchase; Application for Tenant Occupancy).

Where Silverwood dogs go

The Club at Maple Ridge has a dog park (CC Homes, Maple Ridge community amenities), South Park has the town dog park, and the developer describes Ave Maria as having “dog parks for large and small dogs” (avemaria.com, FAQs).

Selling a Silverwood home with a tenant in place, or to a buyer with pets? Get a free Silverwood home valuation or call Jesse direct at (239) 898-6072. Moving with pets or buying to rent? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Who Controls the Maple Ridge HOA, the Builder or the Owners?

Silverwood at Maple Ridge owners belong to an association that, on our reading of the public record, is still developer-controlled. Florida law gives owners a board majority three months after 90 percent of all parcels the association will operate are conveyed, and CC Homes is still selling Maple Ridge Phase 8, Cadiz and Silverwood Phases 3 and 4.

What the Declaration says

Section 3.3 gives the developer a Class B membership with “one vote plus two votes for each Class A vote,” ending on the “Turnover Date”: the earlier of 90 days after 90 percent of the residential units have been sold and conveyed by the developer, or a date required by governmental financing rules, or sooner at the developer’s election (Maple Ridge Declaration).

What Florida’s turnover statute, s. 720.307, requires

Members other than the developer are entitled to elect at least a majority of the board “three months after 90 percent of the parcels in all phases of the community that will ultimately be operated by the homeowners’ association have been conveyed to members other than the developer,” or earlier on events such as the developer abandoning its duties or going into bankruptcy or receivership. Non-developer members elect at least one director once 50 percent of the parcels are conveyed, and the developer may keep electing at least one director while it holds at least 5 percent of the parcels for sale (s. 720.307, Florida Statutes).

Where Maple Ridge stands

The test counts every parcel the Maple Ridge association will operate, not Silverwood alone. The district’s 2025 methodology puts the Maple Ridge neighborhood (Maple Ridge, the Estates, Coquina, Silverwood and the 63-home Cadiz enclave the Maple Ridge association will also maintain) at 2,479 homesites at build-out outside Maple Ridge Phases 1 and 2, with Maple Ridge Phase 8 (195 lots) and Cadiz showing no closings at 31 March 2025 (AMSCD board book, 3 June 2025). Inside Silverwood, 486 of 602 lots had closed to end users by that date, and CC Homes’ land entity still owned 46 vacant Phase 3 and 4 lots on the 29 August 2026 county roll (Collier County Property Appraiser, 2026 tax roll data files). No turnover notice or turnover election appears in any public document we found, so our reading is that the board remains developer-controlled; ask the association for its turnover timetable.

Your right to see the records, s. 720.303

Florida’s homeowners association records statute, s. 720.303, gives members the right to inspect and copy the association’s official records, including the governing documents, adopted budgets, financial reports, contracts, insurance policies and minutes (s. 720.303, Florida Statutes). The current Maple Ridge budget, reserve information and minutes sit behind the owner portal and are not on the public site. A Silverwood owner should request them in writing; a buyer should ask the seller to request them, together with the estoppel certificate, during the inspection period. The district’s records are public: its budgets, audits, bond roll and board books are posted on its documents page.

Is Silverwood at Maple Ridge in a Flood Zone?

Yes, for almost every lot. Silverwood at Maple Ridge sits on FEMA flood map panel 12021C0255H, effective 16 May 2012, and 617 of its 635 county parcels touch FEMA’s Special Flood Hazard Area, mostly Zone AH. A home in that area with a federally backed mortgage must carry flood insurance. Only 18 west-end lots fall fully outside it.

We ran the check ourselves on 1 October 2026. We took the actual lot polygons from the Collier County Growth Management GIS parcel layer, placed each one on FEMA’s National Flood Hazard Layer, and measured how much of each lot falls in each zone. Ground heights come from the USGS 3DEP elevation service. The six addresses below cover all three Silverwood phases, two per phase.

FEMA flood zone at six Silverwood addresses

Sources: FEMA National Flood Hazard Layer, flood hazard zones and FIRM panel layers, queried 1 October 2026; lot geometry and phase from the Collier County parcel layer. The share-of-lot figures are our own calculation. Base flood elevation lines across Silverwood read 20.0 to 23.0 feet (NAVD88), and bare ground at the six lot centres reads 20.2 to 23.9 feet, so ground and the base flood elevation sit within about two feet of each other. Protection here comes from the finished floor height and the lake and drainage system, not from high ground.

617 of 635 parcels: the whole-community picture

We then overlaid every one of the 635 Silverwood parcels on the 2026 tax roll on the FEMA layer. The result: 617 parcels (97%) touch the Special Flood Hazard Area (Zone AH or AE), and only 18 (3%) sit entirely outside it (FEMA NFHL; Collier County parcel layer; our calculation, 1 October 2026).

Phases 1 and 2 have no lot at all that sits fully outside the high-risk area. The 635 count includes 33 common tracts as well as the 602 home lots.

What Zone AH and Zone AE mean

Zone AH is FEMA’s 1 percent annual chance (often called 100-year) shallow flooding zone, usually ponding, with average depths of one to three feet and base flood elevations set by detailed study (FEMA, Zone AH). Zone AE is the 1 percent annual chance zone with base flood elevations from detailed study (FEMA, Zone AE); in Silverwood it is one large AE area that follows the stormwater lakes and flow-ways through all three phases. Both are inside the Special Flood Hazard Area: FEMA’s own data flags every AH and AE polygon here as SFHA. Zone X shaded (0.2 percent annual chance, moderate risk) and Zone X (minimal hazard) are outside it (FEMA, Zone X shaded). The flooding source is rainfall ponding and overland flow, not coastal surge.

Flood insurance is mandatory for federally backed loans

Under federal law, a building in a Special Flood Hazard Area that carries a federally backed mortgage (FHA, VA, USDA, Fannie Mae, Freddie Mac or a federally regulated lender) must carry flood insurance. Collier County’s 2026 Flood Protection Newsletter puts it plainly: “Properties that have been officially identified as being in a high risk Special Flood Hazard Area and that have a federally-backed mortgage are required to participate in the National Flood Insurance Program.” For nearly every financed Silverwood home, expect the lender to require a flood policy. A cash buyer is not compelled to carry one, but the house sits in the same mapped zone.

A lender’s flood determination looks at the building footprint, not the lot centre. That is why a split lot such as 5791 Agostino Way can be ruled in or out depending on where the house sits on it. Order a flood zone determination on the exact address before you write an offer.

The 18 west-end lots outside the high-risk area

All 18 parcels that sit fully outside the Special Flood Hazard Area are in Phase 3 and 4 at the west end of Silverwood: 5713 Cassidy Ln, and 5775, 5778, 5782, 5786, 5790, 5794, 5798, 5799, 5803, 5804, 5807, 5808, 5811, 5812, 5816, 5820 and 5824 Agostino Way. Most are Zone X shaded or a mix of X shaded and X; 5778 Agostino Way is entirely Zone X (FEMA NFHL, our calculation, 1 October 2026). Those homes are outside the federal mandatory purchase rule, though a lender may still choose to require coverage, and Citizens’ own flood rule reaches them from 1 January 2027 (see the insurance section below).

How to read a Silverwood lot’s elevation certificate

Collier County describes an elevation certificate as “an official record that identifies the elevations of a structure and demonstrates compliance with National Flood Insurance Requirements” (Collier County 2026 Flood Protection Newsletter). New construction in a Special Flood Hazard Area receives one at final inspection. On the certificate, compare three numbers:

• Section B, the base flood elevation and flood zone for the building (in Silverwood, roughly 20.0 to 23.0 feet NAVD88 on FEMA’s lines).
• Section C, the top of the bottom floor (C2.a): how high the finished floor actually sits. The gap between this and the base flood elevation is what drives flood risk and, under FEMA’s current rating method, part of the premium.
• The lowest adjacent grade (C2.f): ground height right next to the house.

Ask the seller for the certificate, or ask Collier County’s Floodplain Management Section whether one is on file. The county’s flood map is at collier.gov/floodmap and its Flood Info Hotline is (239) 252-2942. We never quote a Silverwood home’s height above base flood elevation without its certificate in hand.

Collier County floodplain context

Unincorporated Collier County is NFIP community 120067 (FEMA Map Service Center). The county “has participated in the program since October 1992 and maintains a Class 5 CRS rating. With this rating, eligible NFIP polices receive a 25% discount to the flood insurance premium” (Collier County 2026 Flood Protection Newsletter; Collier County Community Planning and Resiliency). The county’s February 2024 map revision came from a coastal flood risk study; the inland panel covering Silverwood was not reissued and still carries its 16 May 2012 date in FEMA’s live data. Development in the Special Flood Hazard Area is reviewed by the county’s Building Plan Review Division for floodplain compliance, which matters for any large addition or remodel.

Florida also requires a seller flood disclosure at or before contract for residential sales from 1 October 2025, covering past flood damage, flood insurance claims and federal flood assistance (s. 689.302, Florida Statutes). Silverwood sellers should complete it with the listing paperwork.

How Has Ave Maria Fared in Hurricanes, and What Wind Code Applies to Silverwood?

Silverwood at Maple Ridge sits about 24 miles inland, where an Ave Maria weather station logged 66 mph sustained winds and an 89 mph gust in Hurricane Irma. Silverwood homes were built from 2019 to 2025 to a design wind speed of about 150 to 160 mph, inside Florida’s wind-borne debris region and Collier County Evacuation Zone F.

Hurricane Irma, September 2017: the measured record

Irma made landfall at Marco Island on 10 September 2017 as a Category 3 storm with 115 mph winds. The National Weather Service Miami station table lists a station named “Ave Maria” that recorded peak sustained winds of 66 mph and a peak gust of 89 mph that afternoon, and the agency notes the heaviest rain in the region, 9 to 15 inches, fell over inland Collier County (NWS Miami, Hurricane Irma). Those are hurricane-force gusts, and they are the best neutral evidence of what the town actually experienced. Silverwood had not launched yet (CC Homes opened it in December 2018), so Irma is a town-level record only. Ave Maria’s developer later said the town “experienced no interruptions” during Irma (Ave Maria Development, June 2025); that is the developer’s statement, not a measurement.

Hurricane Ian, September 2022

Ian made landfall at Cayo Costa as a Category 4 on 28 September 2022. The closest inland station in the National Weather Service summary, Immokalee, measured 52 mph sustained winds and an 81 mph gust; the NWS found Collier County wind damage “mainly confined to trees/fences/screens,” with storm surge flooding concentrated south and west of US 41 (NWS Miami, Hurricane Ian summary). Silverwood Phases 1 and 2 were being built and lived in by then. The developer reported “only minor landscape damage” in Ave Maria and said the Ave Maria Utility Company kept water and wastewater running (Ave Maria Development, October 2022). We found no Silverwood-specific damage report in county, weather service or news sources.

Hurricane Milton, October 2024

Milton came ashore near Siesta Key on 9 October 2024 as a Category 3. The highest wind the National Weather Service recorded on land in Collier County was at the county emergency operations centre, about 45 mph sustained with a 59 mph gust, and the county’s top rainfall total was 2.16 inches (NWS Miami, Hurricane Milton summary). In June 2025 the developer wrote that “at Ave Maria’s Maple Ridge neighborhood, built by CC Homes, no damage was reported in 2024” (Ave Maria Development). It is the one developer statement that names Maple Ridge, and Silverwood is part of Maple Ridge, so we report it with that attribution.

Elevation and distance from the Gulf

Ground at Silverwood sits about 20 to 24 feet above sea level (NAVD88) on the USGS 3DEP elevation service, and the straight-line distance from the centre of Silverwood to the Gulf at Vanderbilt Beach is about 23.6 miles, to Wiggins Pass about 24.1 miles and to the Naples Pier about 26 miles (our calculation, 1 October 2026). The developer uses “24 miles inland” (Ave Maria Development, June 2025). Distance keeps Silverwood out of the reach of ordinary storm surge; it does not make it immune to wind or heavy rain, which is why the flood map and the wind code both matter.

Collier County Evacuation Zone F

Collier County’s own hurricane evacuation zone layer returned Zone F at all six Silverwood addresses we tested on 1 October 2026. Zones run A to F, Zone F is the outermost lettered zone, and evacuation zones “are NOT the same as FEMA flood zones” (Fox4, quoting Collier County). Zone F covers about 755 square miles of inland Collier, so Silverwood shares it with much of the county. Confirm your address with the county’s evacuation zone lookup each season and follow the county’s orders, not a rule of thumb.

Design wind speed and the wind-borne debris region

On the ASCE 7-22 Risk Category II wind map adopted as Figure 1609.3(1) of the Florida Building Code 8th Edition (2023), Silverwood lies between the 150 mph contour (about 9 miles northeast) and the 160 mph contour (about 16 miles southwest), roughly 154 mph by interpolation (Florida wind speed contours, ASCE 7-22). The Florida Building Code places any site at 140 mph or more in the wind-borne debris region (Florida Roofing and Sheet Metal Contractors Association, quoting the FBC definition), so windows and doors in Silverwood must be impact-rated or protected by approved shutters. The engineer of record’s site-specific figure governs any individual permit.

Build era 2019 to 2025 and the code each phase was built under

The edition of the Florida Building Code in force on the permit application date governs a home: the 6th Edition (2017) until 30 December 2020, the 7th Edition (2020) from 31 December 2020 (Florida Building Code 7th Edition notice), and the 8th Edition (2023) from 31 December 2023 (Florida Building Commission, 2023 effective dates). On the Collier County Property Appraiser, 2026 tax roll data files, Silverwood’s homes were built in three waves:

CC Homes’ current Maple Ridge specification lists “impact glass windows on all first and second floor windows,” impact-resistant garage doors and “second floor hurricane code compliant concrete block construction” (CC Homes, Maple Ridge features), and impact glass appears on that shared spec by January 2023 (CC Homes features page, archived January 2023). The early 2021 Silverwood spec listed impact garage doors but not impact windows, so some Phase 1 and early Phase 2 homes may rely on shutters. Check each address: the permit history in Collier County’s portal and a wind mitigation inspection answer it.

How Does Insurance Work for a Silverwood Home?

A Silverwood at Maple Ridge home is a detached single-family house, so the owner carries a standard homeowners policy (usually an HO-3) for the structure, contents and liability, plus a separate flood policy, which lenders require on nearly every lot because 617 of 635 parcels touch FEMA’s high-risk area. Wind mitigation credits and a young tile roof help the premium.

There is no condominium master policy in Silverwood. The Maple Ridge at Ave Maria homeowners association insures its own common areas; your house, from the roof down, is yours to insure. We do not publish premiums: rates vary by carrier, coverage and the individual home, and no primary source publishes a Silverwood rate table.

Homeowners coverage (HO-3)

A homeowners policy on a Silverwood house covers the dwelling, other structures, personal property, loss of use and liability. Two Florida features matter. First, windstorm is usually covered with a separate hurricane deductible, which Florida law lets you choose from set options, often a percentage of the dwelling limit (s. 627.701, Florida Statutes), so read that line before you compare quotes. Second, flood is excluded from a standard homeowners policy and must be bought separately. Ask each carrier to quote the same dwelling limit and the same hurricane deductible so the numbers are comparable.

Wind mitigation credits

Florida law requires insurers to offer premium discounts for features that reduce windstorm loss (s. 627.0629, Florida Statutes). A licensed inspector documents them on the state’s uniform mitigation verification form (OIR-B1-1802): roof covering, roof deck attachment, roof-to-wall connection (clips or straps), roof shape, secondary water resistance and opening protection. A Silverwood home with concrete block walls, a concrete tile roof and impact glass or approved shutters on every opening should document well, but the credit only applies once the inspection is on file with the carrier. Sellers who order one before listing give buyers a head start on their quotes.

Roof age and the 15-year rule

Under s. 627.7011, Florida Statutes, as explained by the state’s My Safe Florida Home program, “If your roof is 15 years old or older, your insurance company may require an inspection before issuing or renewing your policy,” and a roof with at least five years of useful life left must be insured. Every Silverwood roof dates from 2019 or later on the county roll, so none reaches 15 years before 2034. CC Homes specifies concrete roof tile (CC Homes, Maple Ridge features).

Flood insurance: NFIP Risk Rating 2.0 and private flood

The National Flood Insurance Program prices every policy under Risk Rating 2.0, which rates each building on its own flood risk: distance to water, flood type and frequency, ground and first-floor elevation, and rebuilding cost (FEMA, Risk Rating 2.0). The zone mainly decides whether the purchase is mandatory; the building’s own features drive the price. An elevation certificate is optional under this method but can lower the premium when the floor sits well above the base flood elevation. Collier County’s Class 5 Community Rating System standing gives eligible NFIP policies a 25 percent discount (Collier County 2026 Flood Protection Newsletter). A private flood policy can satisfy a lender if it meets federal standards; compare its deductible, contents limit and cancellation terms with the NFIP quote before switching.

Citizens Property Insurance and its flood rule

Citizens Property Insurance Corporation, the state-created carrier, requires flood coverage on its wind and homeowners policies. Homes in a FEMA Special Flood Hazard Area have needed flood coverage for new Citizens policies since 1 April 2023 and for renewals since 1 July 2023. Outside the SFHA, the rule phases in by replacement cost and reaches all remaining policies on 1 January 2027 (Citizens, March 2023). A Silverwood home insured by Citizens therefore needs a flood policy now, and even the 18 west-end lots outside the SFHA will need one from 2027.

The statutes a Silverwood owner should know

Weighing a Silverwood Home’s Flood Zone, Insurance and School Fit?

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, pull the flood determination, elevation certificate, wind mitigation report and school assignment for the exact Silverwood at Maple Ridge address before a buyer commits, and hand them to a seller’s buyers up front. Selling in Silverwood? Get your free Silverwood home valuation or call Jesse direct at (239) 898-6072. Buying in Silverwood? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Which Schools Serve Silverwood at Maple Ridge?

Silverwood at Maple Ridge addresses are zoned for Ave Maria Elementary School, which opened on 11 August 2026, Corkscrew Middle School and Palmetto Ridge High School for the 2026 to 2027 school year, per Collier County Public Schools’ address lookup at six Silverwood addresses across all three phases on 1 October 2026. Assignment is by address, so verify yours.

Assigned public schools by address

Source: Collier County Public Schools attendance zones 2026 to 2027, including the district’s address search, queried 1 October 2026. The district states that its maps give “general information as to schools of assignment” and are not “a guarantee of student placement at any school”; its Department of Student Assignment answers at (239) 377-0540. Addresses: Ave Maria Elementary, 4050 Anthem Parkway, Ave Maria; Corkscrew Middle, 1165 Oil Well Road, Naples; Palmetto Ridge High, 1655 Victory Lane, Naples.

Ave Maria Elementary, opened 11 August 2026

Ave Maria Elementary opened on 11 August 2026 at 4050 Anthem Parkway North as “the District’s 33rd elementary school,” with principal Bev Budzynski and “two dedicated golf cart drop-off and pick-up locations for families who travel to school by golf cart” (Ave Maria Development, August 2026). The School Board set its attendance area in December 2025 and made no change to middle or high school boundaries (CCPS attendance boundaries; Fox4). Before August 2026, Silverwood was zoned to Estates Elementary, so listings and articles naming Estates are out of date. It is about 1.5 miles in a straight line from the centre of Silverwood.

School grades, as published by the state

Source: Florida Department of Education grades as published in the CCPS 2026 Accountability Brief, released 1 July 2026, and the district’s July 2025 grades message. Because Palmetto Ridge High moved to a B in 2026 and Ave Maria Elementary has no grade yet, a line describing every assigned school as A-rated no longer matches the state data.

Private school: Ave Maria Catholic Academy

Ave Maria Catholic Academy, formerly Donahue Academy, is “a Pre-K to Grade 12 school located in beautiful Ave Maria,” operated by Ave Maria Parish in the Diocese of Venice, at 4955 Seton Way; it describes itself as a Catholic, classical school with daily Mass (Ave Maria Catholic Academy). It sits about 1.3 miles from the centre of Silverwood. Tuition is not published on its home page; ask the school. We found no charter school located in Ave Maria in the district’s 2026 charter list.

Ave Maria University

Ave Maria University, a private Catholic university at 5050 Ave Maria Boulevard, anchors the town centre about a mile from Silverwood. Its campus was built from 2003 to 2007 and its Oratory was dedicated in 2007. The university is a private institution with its own admissions; it is not part of the public school assignment above.

What Zoning, Permits and Nearby Development Shape Silverwood?

Silverwood at Maple Ridge is zoned under the Town of Ave Maria Stewardship Receiving Area, the town-scale zoning that Collier County approved in 2005 inside its Rural Lands Stewardship Area, not a conventional county residential district. West of Silverwood lies Stewardship Sending Area SSA 15. Collier County, not a city, issues every homeowner permit.

Ave Maria is a Town SRA inside the RLSA

Collier County’s GIS layers return “Rural Lands Stewardship Area” for the overlay and “AVE MARIA SRA” for the receiving area at Silverwood; all 635 Silverwood parcels fall inside the Ave Maria SRA polygon (Collier County RLSA overlay; Collier County SRA layer; our calculation, 1 October 2026). The developer explains that a Stewardship Receiving Area is “approved for the development of a Town, Village or Compact Rural Development,” that “a Town is the largest and most diverse form of SRA,” and that the Town Plan “is a zoning designation used to set development standards including permitted uses, building height and setbacks, landscaping, road design and architectural standards” (Ave Maria Development, SRA amendment FAQ, April 2026). On top of that public zoning sit two private layers: the Maple Ridge at Ave Maria HOA Declaration and Rules, and the Ave Maria Master Association documents.

What is next to Silverwood

Sending Areas are lands whose development rights were severed and moved into receiving areas such as the town. The terms of each stewardship easement differ, so we do not promise a permanent view west of Silverwood; ask for the SSA 15 easement in the Collier County Clerk’s records if a western view matters to your purchase. The county approved the town’s 2026 expansion on 10 June 2026 by a 4 to 1 vote, adding 2,042 acres for a 7,970-acre town over a 20-year buildout (Gulfshore Business, June 2026). The developer states that “only new residents will be assessed for new infrastructure to support the expansion” (Ave Maria Development FAQ, October 2025).

Roads that affect a Silverwood commute

Collier County’s January 2026 project list for District 5 shows Oil Well Road being designed for widening from two to four lanes between Everglades Boulevard and Oil Well Grade Road (3.9 miles, budget $91.2 million), new paved shoulders on other Oil Well Road segments, a roundabout at Immokalee Road and Camp Keais Road, and a dual right-turn lane at Immokalee Road and Oil Well Road (Collier County, Commissioner McDaniel town hall packet, January 2026). Construction dates for the widening were not published. The Vanderbilt Beach Road Extension Phase One, Collier Boulevard to Wilson Boulevard, was reported opening in mid-2026 (Collier County, June 2026); it helps Golden Gate Estates more than Ave Maria directly.

Homeowner permits through Collier County

Ave Maria has no city government, so Collier County Building Plan Review issues every permit (Collier County application requirements).

Because most Silverwood lots are in the Special Flood Hazard Area, substantial improvements are also reviewed for floodplain compliance (Collier County 2026 Flood Protection Newsletter).

HOA architectural approval comes before the county permit

The HOA’s Application for Architectural Modification warns that “ACC forms may take 45 Days to process” and that work cannot begin until written approval arrives; its checklist covers fences, hurricane panels and accordion shutters, pool installation, spas, pavers, landscaping and more, and the owner pulls the permits. The HOA’s posted Rules and Regulations set specific limits:

• Fences: bronze aluminum or black vinyl chain link only, a maximum of 4 feet, and no chain link facing a lake.
• Shutters: up no earlier than 48 hours before a storm and down within 72 hours after.
• Pools: above-ground pools are not permitted; an in-ground pool, spa, screened room or play structure needs prior written approval.
• Solar and dishes: no solar panels on the front of the home; satellite dishes 24 inches maximum.

CC Homes offers its builder pool option only with Cove, Garden and Estate homes (CC Homes, Maple Ridge features), not on Silverwood homes. That is the builder’s offering, not a ban: a Silverwood owner who wants a pool later applies to the HOA and the county, and the roughly 38 by 100 foot homesite, zero-lot-line setbacks and drainage review decide what fits. The Declaration and Rules govern, and they come in the HOA disclosure package.

What Is Daily Life Like in Silverwood: Gate, Utilities, Trash, Mail and Drive Times?

Silverwood at Maple Ridge is not gated, takes electric from LCEC and water and sewer from the Ave Maria Utility Company, uses Collier County curbside trash collection, and receives mail at ZIP code 34142. Owners pay for their own lawn care. Publix is about six minutes away, and Naples and the airport are about an hour by car.

Gate and access

Silverwood has no gatehouse. CC Homes’ 2025 Silverwood site plan shows open street connections and labels only lots and open space (CC Homes, Silverwood site plan), and the recorded Maple Ridge Declaration contains no gate provision (Declaration, OR 4958 PG 857). Residents’ shared amenity is The Club at Maple Ridge, which CC Homes describes as “exclusively accessible for Maple Ridge and Silverwood residents” (CC Homes, Maple Ridge amenities); the HOA’s onsite office is at 4995 Brigata Way (Maple Ridge HOA contacts).

Utilities: LCEC electric and Ave Maria Utility Company

The Ave Maria Utility Company draws from the Tamiami aquifer, treats wastewater and returns it as irrigation water, and won regional Best Tasting Drinking Water honours in 2021 (Barron Collier Companies). The Declaration lets the association sign bulk service contracts (section 6.13); under s. 720.303, Florida Statutes, owners can request the current budget to see which services the fee carries.

Trash and recycling

Ave Maria is in unincorporated Collier County, so curbside garbage, recycling, yard waste and bulk pickup run through Collier County Solid and Hazardous Waste Management. Look up your collection days with the county’s Find Your Collection Days tool or call 239-252-2380. The HOA Rules add that cans “shall not be placed outside the Home for pick-up earlier than 7:00 a.m. on the day of pick-up,” must be stored out of view the same day, and that only bear-proof storage sheds are allowed, with approval (Maple Ridge HOA Rules and Regulations).

Mail and ZIP code

Silverwood addresses use Ave Maria, FL 34142 (Ave Maria Development FAQ). Whether a street is served by cluster mailboxes or curbside boxes is not set out in the HOA’s public documents, so ask the HOA office or the closing agent where your box is and how keys transfer.

Lawn care and exterior upkeep are owner-paid

The HOA Rules state that “each Owner shall be responsible to irrigate and maintain irrigation within the Residential Parcel,” and changes to sod, trees, shrubs, artificial turf or landscape lighting need Architectural Control Board approval (Maple Ridge HOA Rules). The Declaration makes the owner responsible for exterior surfaces, repainting in original colours, paver upkeep and landscaping (Declaration, OR 4958 PG 857). Budget for a lawn service on top of HOA, Master Association and district charges. Parking follows the same Rules: cars in the garage or driveway, and boats, RVs, trailers and commercial vehicles only inside an enclosed garage.

Drive times from Agostino Way

We computed these on 1 October 2026 from Agostino Way, Ave Maria, using OpenStreetMap geocoding and the public OSRM routing engine with free-flow, no-traffic road data. Season traffic on Immokalee Road adds time. The route to I-75 runs Ave Maria Boulevard to Oil Well Road to Immokalee Road; Oil Well Road does not meet the interstate directly. Golf carts that meet the district’s rules can use most town streets, which puts Publix within cart range (Ave Maria Stewardship Community District, Golf Cart Drivers Handbook).

Healthcare: NCH Immediate Care now, a hospital planned

NCH Immediate Care opened in May 2025 at 5360 Ave Maria Boulevard in Midtown Plaza, a walk-in urgent care for “non-life-threatening illnesses and injuries for people of all ages,” open Monday to Saturday 9 AM to 7 PM and Sunday 9 AM to 4 PM (NCH, May 2025). Collier County EMS paramedics staff Fire Station 32 in town around the clock (Ave Maria Development, November 2025). There is no hospital or emergency room in Ave Maria today; the nearest NCH freestanding emergency department, at Immokalee Road and Collier Boulevard, is about 20 miles and 36 minutes from Agostino Way without traffic (our routing). NCH has announced a planned 150-bed hospital on 18 donated acres in Ave Maria, with an emergency department in the first phase and construction “expected to begin within the next two years” (NCH, October 2025). Until it is built and open, plan around the current drive.

How Does Silverwood Compare With Other Neighborhoods in Ave Maria?

Silverwood at Maple Ridge is the entry-price section of Maple Ridge where a builder is still selling: CC Homes’ Silverwood Vista starts at $334,990, and Silverwood resales recorded a $356,400 median. Silverwood shares one HOA and the Club at Maple Ridge with core Maple Ridge, Coquina and the Reserve, but carries the town’s highest district bill.

Data updated: October 2026 (Collier County Property Appraiser, 2026 tax roll data files, extract dated 29 August 2026; builder prices as published on the dates shown)

The table compares Silverwood at Maple Ridge with its sister sections inside Maple Ridge at Ave Maria and with the three other established villages of Ave Maria on eight stated yardsticks. The sales windows are not identical: Silverwood’s figures run August 2025 to July 2026 (newest Silverwood sale 9 July 2026), while the other rows carry the window their own county analysis used, named in each cell. All recorded prices come from the Collier County Property Appraiser, 2026 tax roll data files; builder prices come from each builder’s own site.

Sources: CC Homes, Maple Ridge and Maple Ridge features (plans, prices, pool option, 1 October 2026); Ave Maria Stewardship Community District bond balance and assessment roll, good through 31 October 2026; Series 2022A limited offering memorandum (planned homes and 2022 debt by phase); Pulte, Avalon Park at Ave Maria; Del Webb Naples; Lennar, The National Golf and Country Club; Collier County Property Appraiser, 2026 tax roll data files. The 2022 debt figures are debt only; Silverwood’s figures are the full FY 2025-26 bill, so the two are not like for like, and the parcel’s own tax bill decides.

Core Maple Ridge (Cove, Captiva Garden and Capistrano Estate)

Core Maple Ridge is the larger, pricier side of the same neighborhood. CC Homes sells three collections there, on 45, 55 and 65-foot lots that run 135 feet deep, and every one of them can be built with a private pool, which Silverwood cannot (CC Homes features). Core resales recorded a $550,000 median on 27 sales from 1 September 2025 to 17 August 2026, about $190,000 above Silverwood’s resale median, and new core homes recorded $595,600 (Collier County Property Appraiser, 2026 tax roll data files, as compiled for our Maple Ridge buyer guide). Both sections pay the same HOA and use the same club; what separates them is lot, spec and price.

Coquina at Maple Ridge

Coquina at Maple Ridge is Silverwood’s predecessor: 283 entry-level homes that sold out by December 2018, when CC Homes launched Silverwood as “a revival” of Coquina with the same plan family (Ave Maria, December 2018). The 2026 preliminary roll shows Coquina homes built from 2015 to 2019 with a $321,937 median just value, against Silverwood’s $331,772 (Florida Department of Revenue, Collier County 2026 preliminary roll). Coquina’s six resales from September 2025 to mid-August 2026 recorded a $337,500 median, the lowest of any Maple Ridge section.

Maple Ridge Reserve

Maple Ridge Reserve is the opposite end of the same HOA: 51 estate homes, all closed to buyers by 31 December 2021 (Series 2022A offering memorandum), with a $712,260 median just value on the 2026 roll, more than double Silverwood’s. The county record shows no Reserve resale from September 2025 to mid-August 2026 and two in the year before, at $675,000 and $775,000. Whether the Reserve is gated is not confirmed in any primary document we have read, so a buyer should ask the association.

Avalon Park

Avalon Park is Pulte’s all-ages neighborhood next to the town center, about 405 homes on 60 and 65-foot lots, and Pulte’s page read “We’re Officially Sold Out!” in September 2026 (Pulte, Avalon Park at Ave Maria). Its 11 resales from September 2025 to August 2026 recorded a $538,000 median, about $180,000 above Silverwood’s. Avalon Park has no private clubhouse or pool, and its plans run from 1,662 to 5,363 square feet (Ave Maria Sun, January 2024), so it is a bigger-house, bigger-lot purchase, not a like-for-like alternative.

Del Webb Naples

Del Webb Naples is Ave Maria’s gated 55-plus village, where every occupied home needs at least one resident aged 55 or older under its recorded declaration. Its 43 resales in the trailing 12 months recorded a $425,000 median and Pulte’s 53 new-home closings a $513,000 median (Collier County Property Appraiser, 2026 tax roll data files, newest sale 30 July 2026). Silverwood at Maple Ridge has no age restriction, so a younger household cannot weigh the two; for a retiree, Silverwood’s one-story Grove and Fernwood plans are the lower-priced, non-gated alternative (Del Webb Naples).

The National Golf and Country Club

The National Golf and Country Club is Lennar’s gated golf community, planned for 1,284 homes around an 18-hole course with a clubhouse that opened in March 2025 (Lennar, The National). Its 219 recorded sales in the twelve months to 17 August 2026 had a $260,000 median because most were condominiums; single-family resales recorded $665,000 on 14 sales. A buyer who wants a detached home under $400,000 will find Silverwood the closer fit; one who wants golf and a gate at a lower price will look at a condominium such as Terrace Condominiums at The National.

Silverwood vs Coquina at Maple Ridge: Which Should You Choose?

Silverwood at Maple Ridge and Coquina at Maple Ridge sell the same CC Homes plan family under the same HOA, so the choice comes down to age and price. Coquina homes were built from 2015 to 2019 and trade only as resales at a $337,500 median; Silverwood homes were built from 2019 on, with new homes still on sale.

Coquina’s Grove plan was listed from $186,990 in August 2016; Silverwood Vista’s Grove is listed from $334,990 today, about 79 percent higher for the same 1,133-square-foot, two-bedroom layout (Florida Weekly, August 2016; CC Homes, Maple Ridge). CC Homes’ January 2018 Coquina price list carried the Fernwood, Huntington, Anaheim, Balboa, Corona, Doheny and Encinitas at prices within $1,000 of their December 2018 Silverwood launch prices, which is why the two sections read as one product built in two eras.

Sources: CC Homes, Maple Ridge and its January 2018 Coquina price list (Internet Archive); CC Homes features, January 2023 (Internet Archive); AMSCD bond balance and assessment roll; AMSCD final budget FY 2026-2027; FEMA National Flood Hazard Layer, queried 1 October 2026 for Silverwood and 24 September 2026 for core Maple Ridge; Ave Maria Master Association, payment options; Collier County Property Appraiser, 2026 tax roll data files; Florida Department of Revenue, Collier County 2026 preliminary roll.

Two points in the table deserve a sentence each. On roofs, Florida law bars an insurer from refusing to write or renew a homeowners policy solely because a roof is less than 15 years old (s. 627.7011, Florida Statutes), so a Coquina roof’s age starts to matter to insurers around 2030 to 2034, and a Silverwood roof’s not until the late 2030s. On district debt, the dollar gap between Coquina Phase 1 and Silverwood Phase 3 or 4 is about $460 a year on the published schedules, and each parcel’s tax bill is the figure to budget from.

Choose Silverwood if

You want a home built in 2023 or later with impact glass and concrete-block second floors in CC Homes’ current spec, you want to pick a plan and finishes or a quick move-in, or you want a resale young enough that the roof and air conditioning are years from replacement. Silverwood also suits a buyer who values a builder warranty and builder financing incentives over the lowest price, and who is comfortable with the highest district bill in the Maple Ridge sections.

Choose Coquina if

You want the lowest recorded price in Maple Ridge for the same plan family, a lower district debt line on the Phase 1 lots, and a finished street with no construction traffic. Budget for the age: plan on a wind-mitigation inspection, a roof and air-conditioning check and an insurance quote before you sign, because a 2015 to 2019 home may need those replacements sooner than a Silverwood home. Coquina owners who bought from the builder in 2017 and 2018 resold at a $337,500 median against a $224,500 median first price in the latest twelve months (Collier County Property Appraiser, 2026 tax roll data files), so Coquina sellers are not competing against their own purchase price the way 2023 and 2024 Silverwood buyers are.

Comparing a Silverwood home with a Coquina home? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Silverwood vs a Cove Home in Core Maple Ridge: What Do You Give Up and Gain?

Silverwood at Maple Ridge and CC Homes’ Cove collection share the same interior spec, 6-foot-8-inch doors and 30-inch upper cabinets, so the trade is lot, pool and price. Silverwood saves about $66,000 at base price on a 38-foot homesite; Cove gives a 45-foot lot about 135 feet deep and the option of a private pool.

CC Homes’ own feature list puts the two collections side by side: “6’8” raised panel interior doors in Cove and Silverwood homes (per plan)" and “European-style contemporary cabinetry with 30” upper cabinets in Silverwood and Cove collection homes," against 8-foot doors and 42-inch uppers in the Garden and Estate homes (CC Homes features). The same page offers a pool only with “a Cove, Garden or Estate home.” That makes the Cove, not the Garden or Estate, the honest comparison for a Silverwood buyer.

Sources: CC Homes, Maple Ridge; CC Homes features; Maple Ridge HOA Rules and Regulations and architectural modification application; AMSCD bond balance and assessment roll; FEMA National Flood Hazard Layer; Collier County Property Appraiser, 2026 tax roll data files.

Choose Silverwood over a Cove home if

The Club at Maple Ridge’s resort-style pool is enough pool for you, a small yard is a feature rather than a cost, and the roughly $66,000 base-price difference matters more than lot depth. Silverwood also gives more plan choice at the low end: three one-story plans (Grove, Fernwood and the sold-out Huntington) and five two-story plans up to four or five bedrooms in the Encinitas.

Choose a Cove home if

You want a private pool built with the house, a deeper backyard for children or a dog, or a lot that leaves room for a screened enclosure. A Silverwood owner can apply to add an in-ground pool after closing, but on a homesite about 38 feet wide with zero-lot-line setbacks and a required drainage plan, approval is not something to assume; the Cove collection is the way to have one from the builder.

Silverwood at Maple Ridge vs Avalon Park: Which Fits a Family Better?

Silverwood at Maple Ridge fits a family that wants a newer home, a private club with a pool and playground, and a price near $356,000; Avalon Park fits a family that wants a larger house on a 60 or 65-foot lot, a walk to Donahue Academy and the town center, and a budget near $538,000.

Both neighborhoods are zoned to Ave Maria Elementary, Corkscrew Middle and Palmetto Ridge High in Collier County Public Schools’ 2026-2027 address lookup, so the public-school answer is the same (Collier County Public Schools attendance zones). The differences are size, price, amenities and walkability.

Sources: CC Homes amenities; Pulte, Avalon Park at Ave Maria; Ave Maria Sun, Avalon Park profile, 2023; Ave Maria Master Association; Collier County Property Appraiser, 2026 tax roll data files. Drive time is a free-flow routing estimate from Agostino Way.

Choose Silverwood if

Your budget sits under $400,000, you want a private club with a playground, a resort-style pool and a Lifestyle Director’s calendar of events, and a two-story Doheny or Encinitas gives you the bedrooms you need. In the latest county window, resales at Silverwood’s median cost about $180,000 less than Avalon Park’s.

Choose Avalon Park if

Your children will attend Donahue Academy (now presenting itself as Ave Maria Catholic Academy) or you want to walk to the town center, you need more than 2,300 square feet, or you want a pool on your own lot. Expect a resale market only, a higher price and the neighborhood association’s fee from the estoppel, because Pulte never published it.

Weighing Silverwood against Avalon Park or Coquina? Call Marc at (239) 287-5873, or read our Maple Ridge buyer guide.

What Are the Honest Pros and Cons of Living in Silverwood at Maple Ridge?

Living in Silverwood at Maple Ridge brings the lowest new-home price in Maple Ridge, newer concrete-block homes and a private 10,000-square-foot club, against a high-risk FEMA flood zone on almost every lot, the highest district bill in town, small lots with no builder pool option, and a builder whose new homes still set resale prices.

Pros

• Lowest price into Maple Ridge. Silverwood Vista starts at $334,990 for the Grove, about $66,000 below the Cove collection’s $400,990 start, and tops out at $410,990 for the Encinitas (CC Homes, Maple Ridge, 1 October 2026).
• Resales below the builder’s price. Resales recorded a $356,400 median against $394,900 for CC Homes’ closings from August 2025 to July 2026, a gap of about $38,500 for a finished, landscaped home (Collier County Property Appraiser, 2026 tax roll data files).
• A private club. The Club at Maple Ridge, about 10,000 square feet and opened in April 2019, is “exclusively accessible for Maple Ridge and Silverwood residents,” with a resort-style pool, fitness center, playground, dog park and a Lifestyle Director (CC Homes amenities).
• Newer construction. Homes were built from 2019 on; CC Homes’ current spec lists impact glass on all windows, impact-resistant garage doors, concrete-block second floors, concrete roof tile and 200-amp service (CC Homes features).
• One-story plans at the low end. The Grove and Fernwood are one-story two-bedroom plans listed under $350,000 at base, a fit for downsizers who do not want stairs or a 55-plus rule.
• Early owners have gained. Homes first bought from 2019 to May 2022 resold at a median of about 27 percent above their purchase price in the latest twelve months; we tracked all 15 resale pairs on the county record.
• Schools and shopping close by. Silverwood addresses are zoned to Ave Maria Elementary, which opened 11 August 2026, Corkscrew Middle and Palmetto Ridge High (Collier County Public Schools), and Publix is about six minutes by car.
• Rentable with limits. The HOA Rules allow whole-home leases of at least 30 days, no more than two leases in any twelve months, with association approval (Maple Ridge HOA Rules and Regulations).

Cons

• Flood zone on almost every lot. 617 of 635 Silverwood parcels touch FEMA’s Special Flood Hazard Area (Zones AH and AE) on panel 12021C0255H, effective 16 May 2012, and only 18 west-end Phase 3 and 4 lots sit fully outside it (FEMA National Flood Hazard Layer, queried 1 October 2026). A federally backed mortgage on a home in that area requires flood insurance (Collier County 2026 Flood Protection Newsletter).
• The highest district bill in town. Silverwood lots paid $2,460.43 to $2,531.25 to the Ave Maria Stewardship Community District on the FY 2025-26 bill, the top of the district’s single-family range, and the adopted FY 2026-27 budget raises each lot by $142.22 to $2,602.65 to $2,673.47 (AMSCD final budget FY 2026-2027). The bond balance per lot runs $18,071 to $23,388 by phase, though it does not have to be paid off at closing.
• Small lots and no builder pool. Homesites are about 38 feet wide and about 100 feet deep, and CC Homes offers a pool only on Cove, Garden and Estate homes.
• No amenities inside Silverwood itself. CC Homes’ 2025 Silverwood site plan shows lakes, preserve and open space but no pool, park or playground; the club is about nine minutes away by car.
• The builder still sets the price. Eight of the 15 resale pairs in the latest twelve months closed below the prior price, and homes first bought in 2023 and 2024 resold at a median of about 10 percent below purchase. CC Homes is also selling Cadiz at Ave Maria, 63 homesites from $334,990 maintained by the same HOA (AMSCD board book, July 2025).
• Lighter interior spec than the larger homes. 6-foot-8-inch doors and 30-inch upper cabinets, against 8-foot doors and 42-inch uppers in Garden and Estate homes; some 2019 to 2021 homes were delivered before impact glass appeared in CC Homes’ published spec, so check each home.
• The HOA fee is not published. No primary source posts the 2026 Maple Ridge HOA amount; the estoppel certificate and the s. 720.401 disclosure summary state it, and the Master Association adds $203 a quarter (Ave Maria Master Association). In our reading of the public record, CC Homes still controls the HOA board.
• Distance. From Agostino Way it is about 42 minutes to I-75 at Exit 111 and about 59 minutes to Naples’ Fifth Avenue South or to RSW, at free-flow speeds.

Ready to Weigh Silverwood Against the Rest of Ave Maria?

Silverwood at Maple Ridge is the right home for many buyers and the wrong one for some, and the difference is usually the flood zone, the district bill and the plan. McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, compare a Silverwood home with Coquina, a Cove home and the other Ave Maria villages from the county record before you write an offer or set a price.

• Buying? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.
• Selling a Silverwood home to move up or move on? Get a free Silverwood home valuation or call Jesse direct at (239) 898-6072.
• Want the whole neighborhood picture? Our Maple Ridge at Ave Maria guide, our guide to selling a home in Maple Ridge and our Maple Ridge home valuation cover every section.

Thinking of Selling Your Silverwood Home? List With the #1 Team in Southwest Florida Since 2012

If you’re searching for a Silverwood listing agent, or thinking, ‘I need someone to sell my Silverwood home…’, call McGreevy and Comisar. We tracked every recorded Silverwood at Maple Ridge sale of the last twelve months and paired each resale with its earlier price, so your list price starts from your own phase, plan and purchase year, measured against what CC Homes is still selling next door.

Data updated: October 2026 (Collier County Property Appraiser, 2026 tax roll data files, extract dated 29 August 2026, newest qualified Silverwood sale 9 July 2026)

Listing-agent credentials:

• 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

Recent Silverwood sold-listing stats

In the last 12 months Silverwood at Maple Ridge has seen 15 resales, totaling $5,452,400 in recorded consideration at a $356,400 median, from $335,000 to $435,000, alongside 33 CC Homes builder-direct closings at a $394,900 median (Collier County Property Appraiser, 2026 tax roll data files, qualified sales August 2025 to July 2026). By phase, Phase 3 and 4 produced 8 of those resales at a $354,700 median, Phase 1 produced 5 at $355,000 and Phase 2 produced 2 at $380,000.

The county record carries no list price and no days on market, so we state no average days on market or sale-to-list ratio here; we read both from current listings when we prepare your valuation. County records also carry no listing office, so we do not state a represented-sale count.

Over longer windows the same county files show 30 Silverwood resales in 24 months (August 2024 to July 2026) at a $362,500 median, 45 in 36 months at $379,900, and 78 resales against 540 builder-direct sales since the first Silverwood closing in 2019.

Every Silverwood resale in the last 12 months

These are the 15 qualified resales on the county record, August 2025 to July 2026, and the arithmetic behind the dollar total above (Collier County Property Appraiser, 2026 tax roll data files).

What makes selling in Silverwood different

Selling in Silverwood at Maple Ridge is not generic Ave Maria selling. Six things set your price and your timeline, and each one is on a public record you can read.

• You are competing with the builder. CC Homes still titled 46 Phase 3 and 4 lots on the 29 August 2026 county roll, lists Silverwood Vista base prices from $334,990 (Grove) to $410,990 (Encinitas), and on 1 October 2026 advertised one quick move-in, a Doheny at 5791 Agostino Way at $462,815 (CC Homes Maple Ridge; CC Homes quick move-in homes). CC Homes is also running a Tesla Model 3 promotion on Maple Ridge homes through 31 October 2026 plus “Heroes” savings; ask the sales gallery whether either applies to Silverwood. The district’s 2025 offering draft lists CC Homes’ new Cadiz at Ave Maria enclave, 63 homesites from $334,990 and maintained by the same Maple Ridge HOA, as another same-price rival (AMSCD board book, 14 October 2025). A resale wins on a finished home: landscaping, window treatments, upgrades already paid for, Club Maple Ridge access from day one, and no build wait.
• Your purchase year sets your result (the vintage effect). Our team has paired all 15 twelve-month resales with each home’s earlier sale. Homes first bought from 2019 to May 2022 resold higher, at a median of about +27 percent; every home first bought in 2023 or 2024, near the top of the builder curve (2023 builder median $411,200), resold lower, at a median of about minus 10 percent. Across all 15 pairs the median change was minus 2.4 percent, and 8 of 15 sold below the prior price (Collier County Property Appraiser, 2026 tax roll data files).
• Flood zone is a lot-by-lot disclosure. FEMA FIRM panel 12021C0255H, effective 16 May 2012, places 617 of the 635 Silverwood parcels (97 percent) partly or wholly in the Special Flood Hazard Area, Zone AH or AE; only 18 west-end Phase 3 and 4 lots sit fully outside it (FEMA National Flood Hazard Layer). A buyer with a federally backed mortgage on an SFHA home must carry flood insurance (Collier County 2026 Flood Protection Newsletter), and Florida now requires a seller flood disclosure at or before contract (s. 689.302, Florida Statutes). Have your Elevation Certificate ready; it is the only document that shows your home’s floor height.
• The AMSCD bond stays with the lot. The Ave Maria Stewardship Community District bills each Silverwood lot $2,460.43 to $2,531.25 for FY 2025-26, rising $142.22 to $2,602.65 to $2,673.47 under the FY 2026-27 budget adopted 4 August 2026. The remaining bond principal per lot runs from $18,071 to $23,388 by phase, good through 31 October 2026, and the district states it “does not have to be paid off at closing” (AMSCD bond balance and assessment roll; AMSCD FY 2026-27 budget).
• Two associations, two estoppels. The Ave Maria Master Association states that “For every sale of a home, Estoppels are required from each association” (Master Association realtor information). The Maple Ridge HOA estoppel is $299, plus $119 to expedite (Miami Management estoppel request form), the statutory cap as indexed (s. 720.30851, Florida Statutes). Your buyer also applies for HOA purchase approval at $150 per adult plus a $150 processing fee, and the form says to allow 14 to 21 business days (HOA Application for Purchase).
• Title custom in Collier County. The buyer customarily pays for the owner’s title policy and chooses the closing agent; your contract controls. The seller customarily pays documentary stamp tax on the deed at $0.70 per $100 of price (s. 201.02, Florida Statutes).

Two things work in your favor. Every Silverwood home was built in 2019 or later, so no Silverwood roof reaches the 15-year mark that lets an insurer require a roof inspection before 2034 (My Safe Florida Home, s. 627.7011 roof rule), and CC Homes says The Club at Maple Ridge is “exclusively accessible for Maple Ridge and Silverwood residents” (CC Homes community amenities). We put both in front of every buyer.

What Is Your Silverwood Home Worth? Get a Free Valuation in 60 Seconds.

Start with a free Silverwood home valuation, or use our Maple Ridge home valuation, and we will send a value built from your phase’s recorded resales, your plan’s current CC Homes price and the resale pair that matches your purchase year. Top 1% Real Estate Agents Nationally Since 2008, and every Silverwood valuation is read by Jesse or Marc, not generated by a portal.

Talk to Jesse direct: (239) 898-6072, text or call.

Our guide to selling a home in Maple Ridge covers the village-wide selling process; our Silverwood seller guide covers pricing against CC Homes, the district payoff and the estoppel file for this neighborhood.

Buying instead? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida, and our Silverwood buyer guide.

Will I get back what I paid for my Silverwood home?

It depends on when you bought. Owners who bought from CC Homes from 2019 to 2021, when builder medians ran $250,000 to $273,800, have resold well above their price; the 2019 and 2020 Morino Way homes resold 50 to 52 percent higher. Owners who bought in 2023 or 2024, when builder medians were $411,200 and $404,600, should plan for a sale below their purchase price (Collier County Property Appraiser, 2026 tax roll data files).

How do I price my Silverwood home while CC Homes is still building?

Price with the same plan’s new price in view. A buyer standing in the sales gallery sees the base price and the incentive, then adds options and a lot premium; the live Doheny quick move-in carries about $72,825 over its $389,990 base (CC Homes quick move-in homes). Your resale should land below that finished new price and show what is already done.

Do I have to pay off the AMSCD bond when I sell?

No. The Ave Maria Stewardship Community District states that the bond balance “does not have to be paid off at closing” (AMSCD bond balance and assessment roll). The assessment is collected on the Collier County tax bill and the current year is prorated at closing; a buyer may ask for a credit, and that is a negotiation.

How many estoppels does a Silverwood sale need?

Two: the Maple Ridge at Ave Maria HOA estoppel ($299, or $418 expedited, through Miami Management) and the Ave Maria Master Association estoppel, ordered through FirstService Residential, whose fee shows at checkout (Master Association resale and lending requests). The HOA estoppel states the current regular assessment, which is where a buyer gets the dollar figure (s. 720.30851).

What flood disclosure do I give a Silverwood buyer?

The seller flood disclosure required by s. 689.302, Florida Statutes, covering any flood damage, flood insurance claims and federal flood assistance, delivered at or before contract, plus the HOA disclosure summary under s. 720.401. Your lot’s own FEMA zone, AH, AE or X, comes from the flood layer and the lender’s determination.

Can I put a For Sale sign in my Silverwood yard?

No. The Maple Ridge HOA Rules and Regulations allow “no sign of any kind (including, without limitation, any ‘For Sale’ or ‘For Rent’ signs)” (HOA Rules and Regulations). Your marketing therefore lives online, in the MLS, in photography and in our buyer network, which is where Silverwood buyers search.

Your Local Real Estate Experts

Silverwood at Maple Ridge owners and buyers work directly with Jesse McGreevy and Marc Comisar, not with a call center. The two have sold Southwest Florida real estate for more than twenty years, and before writing this guide they read the Maple Ridge Declaration, the district’s bond roll, FEMA’s flood layer at Silverwood addresses and every recorded Silverwood sale.

You can read the longer version of how the team was built on our about the McGreevy and Comisar team page. McGreevy and Comisar are the Domain Realty team behind this Silverwood guide: Jesse McGreevy, Sales Associate, and Marc Comisar, Broker Associate. Jesse has been in the business since October 2004, the team launched in October 2008, and both work the Collier County new-construction and resale market that Silverwood sits in.

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

McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008. On a Silverwood page the credential that matters more is narrower than any award. Before writing this guide we read:

• the recorded Declaration of Covenants, Conditions and Restrictions for Maple Ridge at Ave Maria (Official Records Book 4958, Page 857), the HOA Rules and Regulations, and the HOA’s purchase, tenant, architectural and estoppel forms
• the Ave Maria Stewardship Community District’s parcel-level bond balance and assessment roll for all 602 Silverwood home lots, its FY 2026-27 budget, its Series 2022A offering memorandum and its 2025 board books
• the Ave Maria Master Association’s 2026 fee schedule and its resale and estoppel rules
• FEMA’s National Flood Hazard Layer at six Silverwood addresses across all three phases, and all 635 Silverwood parcels overlaid on FIRM panel 12021C0255H
• CC Homes’ Silverwood Vista plan cards, features page, quick move-in listings and archived listings back to 2024
• Collier County Public Schools’ address lookup and the county’s hurricane evacuation layer at the same six addresses
• the Collier County Property Appraiser 2026 tax roll data files for all 635 Silverwood parcels, all 618 recorded qualified Silverwood sales and the 15 twelve-month resale pairs

What Our Clients Say

Jesse McGreevy is a top-reviewed Silverwood at Maple Ridge realtor on Google, and so is the team he leads with Marc Comisar; the quotes below are genuine five star client reviews reproduced in the reviewer’s own words. We publish no aggregate score and no star rating widget. Read the full set on the McGreevy and Comisar Google Business Profile.

★★★★★ “Marc has been a great help in securing a great price for our home during its build phase. Negotiated a much better deal from the builder.” Michael Gatz, verified Google review

★★★★★ “We had been on the market for several months with no offers. When we signed with Marc our house was sold in 2 weeks. He has a unique system for selling homes.” Sandra Decker, verified Google review

★★★★★ “Marc made an extremely stressful time of selling my parents’ house easier because of his expertise, compassion, and diligence. I cannot thank him enough and I would recommend him without reservation.” Beth Shaw, verified Google review

★★★★★ “I have had 13 real estate transactions and this is the most professional and helpful agency that I have ever worked with. Marc actually called me with a response to my questions and concerns on a Sunday evening. The resources that this agency has access to goes above and beyond any other I have ever worked with. The professional process that they use to present your home for sale goes beyond anything I have ever experienced.” Candy Gody, verified Google review

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

Selling a Silverwood home? Get a free Silverwood home valuation, or call Jesse direct at (239) 898-6072.

Buying in Silverwood? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

Licensure, and the Office of Record

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).

• Jesse McGreevy, Florida license SL3101296
• Marc Comisar, Florida license BK3060671
• Brokerage office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Where Else to Find the Team

Video walkthroughs, market updates and community tours are published on the team’s own channel at McGreevy and Comisar on YouTube. The team also keeps a company page at McGreevy and Comisar on LinkedIn.

Frequently Asked Questions, Buyer Edition

Buyers ask us the same core questions about Silverwood at Maple Ridge, CC Homes’ 602-home enclave of 40-foot single-family homesites in Ave Maria. Each answer below draws on the Collier County Property Appraiser, 2026 tax roll data files, the district’s own assessment roll, FEMA’s flood map, the recorded Declaration and CC Homes’ published plans.

Who is the best realtor for buying a home in Silverwood at Maple Ridge?

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008 and the #1 team in Southwest Florida since 2012. Before a buyer tours, we read the phase, the district assessment tier, the FEMA zone on the specific lot and the recorded resale history of the street, then set that against CC Homes’ current Silverwood Vista price for the same plan. We tracked every one of the 618 recorded Silverwood sales on the Collier County Property Appraiser, 2026 tax roll data files to build that comparison. Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

What is Silverwood at Maple Ridge?

Silverwood at Maple Ridge is CC Homes’ entry-price section of Maple Ridge at Ave Maria: 602 detached, zero-lot-line single-family homesites on 123.2 acres in Ave Maria, eastern Collier County. It launched in December 2018 as the successor to the sold-out Coquina section, according to the developer’s Silverwood launch announcement. The lot count and acreage come from the Ave Maria Stewardship Community District’s 2025 assessment methodology in its June 2025 board book.

Where is Silverwood located in Ave Maria?

Silverwood sits on the western side of the Maple Ridge village, Ave Maria, FL 34142. Its streets are Agostino Way, Cassidy Lane, Soria Avenue, Aquila Avenue, Morino Way, Carrara Drive, Cerva Lane, Argento Drive, Rossa Way and Cobalto Way, as labeled on CC Homes’ Maple Ridge pages and the county roll. From Agostino Way it is about 1.6 miles and 6 minutes to the Publix at La Piazza, free-flow routing. The CC Homes sales gallery and models are at 5009 Alonza Avenue.

What is Silverwood Vista?

Silverwood Vista is the current CC Homes collection inside Silverwood, introduced in March 2024 with new exterior facades on eight plans. CC Homes lists Grove, Fernwood, Anaheim, Huntington, Cascada, Balboa, Doheny and Encinitas, from 1,133 to 2,260 square feet under air, with base prices from $334,990 to $410,990 on 1 October 2026 (CC Homes, Maple Ridge; CC Homes, Silverwood Vista debut). “Silverwood Vista” is a collection name, not a separate neighborhood or association.

Is Silverwood a separate HOA from Maple Ridge?

No. Silverwood homes belong to the Maple Ridge at Ave Maria Homeowners Association, Inc. (Florida Division of Corporations document N13000002185) and to the Ave Maria Master Association, so every sale needs estoppels from both. The Master Association’s own Associations page says Miami Management manages Maple Ridge, Coquina, Silverwood and Maple Ridge Reserve. What differs is the collection, spec level, price band and district debt tier, not the association.

Who builds homes in Silverwood?

CC Homes, a Codina-Carr company, builds every Silverwood home. The developer under the 2013 Maple Ridge Declaration is CC Ave Maria, LLC, and the remaining Silverwood land is titled to an affiliate, CC Ave Maria Estates, LLC, on the Collier County Property Appraiser, 2026 tax roll data files. CC Homes also builds the Cove, Garden and Estate collections in core Maple Ridge and the new Cadiz enclave (CC Homes, Maple Ridge).

How much do homes in Silverwood at Maple Ridge cost?

Two prices matter. New: CC Homes’ Silverwood Vista base prices run $334,990 (Grove) to $410,990 (Encinitas) on 1 October 2026, before options and lot premiums (CC Homes). Recorded: from August 2025 to July 2026, 33 builder-direct sales closed at a $394,900 median and 15 resales at a $356,400 median, ranging from $335,000 to $435,000 (Collier County Property Appraiser, 2026 tax roll data files). The resale median sits about $38,500 below the builder median.

What floor plans are available in Silverwood Vista?

CC Homes lists eight plans on its Maple Ridge page (1 October 2026), with square feet under air and base price. One-story: Grove, 2 bed, 2 bath, 2-car, 1,133, $334,990; Fernwood, 2 bed plus den, 1-car, 1,366, $347,990; Huntington, 3 bed, 1,630, sold out at $370,990. Two-story: Anaheim, 3 bed, 2.5 bath, 1,671, $360,990; Cascada, 3 bed, 2-car, 1,826, $375,990; Balboa, 3 bed, 1,924, $380,990; Doheny, 3 to 4 bed, 2-car, 2,047, $389,990; Encinitas, 4 to 5 bed, 3.5 bath, primary suite downstairs, 2,260, $410,990.

Are Silverwood homes single-family homes or townhomes?

Silverwood homes are detached single-family homes on individually platted, fee-simple lots, not villas, duplexes or condominiums. CC Homes and the developer both describe them as single-family homes, and the district’s methodology classes every Silverwood homesite as a 40-foot zero-lot-line lot (AMSCD June 2025 board book). A typical homesite is about 38 feet wide by 100 feet deep, about 3,810 square feet, on the Collier County Property Appraiser, 2026 tax roll data files.

Can I have a private pool in Silverwood?

CC Homes does not offer a pool option on Silverwood homes. Its Maple Ridge features page says to “choose a Cove, Garden or Estate home” for a private pool. That is the builder’s product offering, not a written ban: the HOA Rules and Regulations prohibit above-ground pools, and any in-ground pool needs prior written architectural approval, a Collier County pool permit and room on a 38-foot lot. Most Silverwood owners swim at The Club at Maple Ridge.

Can Silverwood residents use The Club at Maple Ridge?

Yes. CC Homes describes The Club at Maple Ridge as “exclusively accessible for Maple Ridge and Silverwood residents” on its Maple Ridge amenities page. The 10,000-square-foot clubhouse opened in April 2019, and the HOA’s onsite office is at 4995 Brigata Way. From Agostino Way it is about 2.2 miles and 9 minutes by car, free-flow routing, so most owners drive or take a golf cart rather than walk.

What amenities does The Club at Maple Ridge offer?

CC Homes lists a resort-style pool, pickleball, a fitness center and aerobics studio, two saunas, massage rooms, an exhibition kitchen and banquet space, a coffee bar, party and billiards rooms, a covered pavilion with bar counter and grills, a playground, a dog park and a Lifestyle Director (CC Homes amenities). Silverwood itself has no pool, park or playground of its own on CC Homes’ 2025 site plan; its open space is lakes and perimeter preserve. Ask the onsite office for club hours and guest policy.

What are the HOA fees in Silverwood at Maple Ridge?

There are two association layers. The Ave Maria Master Association charges $203 per quarter ($812 a year) in 2026 (Master Association payment options). The Maple Ridge at Ave Maria HOA does not publish its 2026 regular assessment publicly, so the dollar figure for a specific home comes from two documents every resale produces: the HOA estoppel certificate under s. 720.30851 and the disclosure summary under s. 720.401. We read both before you sign.

What does the Maple Ridge HOA fee cover?

The HOA’s current budget sits behind the owner portal, so we do not characterize its line items; owners and buyers can request it under s. 720.303. What is published: the Declaration lets the association hold bulk service contracts (Section 6.13), and the Rules make the owner responsible for driveway, in-lot irrigation, fertilization and pest control. The Master fee covers North Park, South Park, the Water Park and the town Fitness Center, per the Ave Maria Master Association.

What are the CDD fees in Silverwood?

Ave Maria has no conventional CDD; it has the Ave Maria Stewardship Community District (AMSCD), an independent special district under Chapter 189, Florida Statutes. On the FY 2025-26 bill, each Silverwood lot pays $2,460.43 to $2,531.25 a year by phase, of which $701.83 is operations and $140.15 reserve (AMSCD bond balance and assessment roll). The adopted FY 2026-27 budget adds $142.22 per lot, to $2,602.65 to $2,673.47 (AMSCD FY 2026-27 budget).

Why is the AMSCD assessment different in each Silverwood phase?

Each phase was financed by a different bond series. Phase 1 sub-phase 1a pays $2,466.17, sub-phase 1b and Phase 2 sub-phase 2a pay $2,460.43, sub-phase 2b pays $2,462.98, and Phases 3 and 4 pay $2,531.25 on the FY 2025-26 bill, because Phases 3 and 4 carry the 2023 Master bonds and the 2022 neighborhood bonds (AMSCD assessment roll). The gap is about $71 a year between the lowest and highest tier.

Do AMSCD assessments ever go away?

The debt part ends when a phase’s bonds are retired or the parcel’s share is prepaid; the operations and reserve part continues. The district’s FY 2026-27 budget shows the Silverwood bond series maturing between May 2042 and May 2053, so the debt runs into the 2040s and early 2050s depending on phase. Prepayment and true-ups can change that, so we read the payoff figure for the specific lot rather than promising a date.

Is Silverwood at Maple Ridge in a flood zone?

Yes, mostly. FEMA’s flood map (panel 12021C0255H, effective 16 May 2012) puts sampled lots in every phase in Zone AH, with 5653 Cassidy Lane in Zone AE, and 617 of Silverwood’s 635 parcels touch the high-risk Special Flood Hazard Area. Only 18 west-end lots on Agostino Way and Cassidy Lane in Phases 3 and 4 sit fully outside it (FEMA National Flood Hazard Layer). Check the exact address on the FEMA Flood Map Service Center and order a flood zone determination.

Do I need flood insurance in Silverwood?

For almost every financed Silverwood home, yes. A building in Zone AH or AE with a federally backed mortgage must carry flood insurance, as Collier County’s 2026 Flood Protection Newsletter explains, and Collier’s Class 5 Community Rating System rating gives eligible NFIP policies a 25 percent discount. Citizens Property Insurance also requires flood coverage on its wind policies for homes in the high-risk area (Citizens). Cash buyers are not required to buy it but carry the same risk. Ask the seller for the Elevation Certificate.

Is Silverwood safe from hurricanes?

No Florida home is safe from hurricanes, but Silverwood is about 24 miles inland from the Gulf beaches and sits in Collier County Evacuation Zone F, the county’s outermost zone, ordered only in the most severe surge scenarios (Collier County evacuation zone lookup). A National Weather Service station listed as Ave Maria recorded 66 mph sustained winds and an 89 mph gust during Irma in 2017 (NWS Miami, Hurricane Irma). The developer reported no damage in Maple Ridge in 2024.

Are Silverwood homes built with impact windows?

Current Silverwood Vista homes are. CC Homes’ features page lists impact glass on first and second floor windows (per plan), impact garage doors and concrete block construction, and Silverwood falls in Florida’s wind-borne debris region with a design wind speed of about 150 to 160 mph. Older homes differ: CC Homes’ January 2021 Silverwood spec listed impact-resistant garage doors but not impact windows, so early Phase 1 and Phase 2 homes may have shutters instead. We verify each address from the permit history.

Are CC Homes good builders?

No government agency rates builders, and we do not cite review sites. What a buyer can check: CC Homes has built Maple Ridge since 2013, its published spec lists concrete block construction and impact glass on current homes, and the qualifying contractor’s license can be looked up at the Florida DBPR license portal. Collier County Building Plan Review issues every permit and inspection, so the permit file for a specific address shows what was inspected and closed (Collier County permits).

How is Silverwood different from the rest of Maple Ridge?

Silverwood homes sit on about 38-foot lots, against 45 to 65 feet in core Maple Ridge, and run about $335,000 to $411,000 at base. CC Homes’ features page gives Silverwood and Cove homes 6’8" interior doors and 30-inch upper cabinets, against 8-foot doors and 42-inch uppers in Garden and Estate homes. The one spec line that separates Silverwood from Cove is the pool option, offered only on Cove, Garden and Estate homes. The HOA, the Master Association and The Club at Maple Ridge are shared.

Is Silverwood a gated community?

No. CC Homes’ 2025 Silverwood site plan shows no gatehouse, and no developer or association document describes Silverwood or core Maple Ridge as gated (CC Homes, Maple Ridge). The neighboring Maple Ridge Reserve is the Maple Ridge section buyers ask about when they want a separate estate-lot enclave.

Is Silverwood a 55+ community?

No. The Maple Ridge at Ave Maria Declaration carries no age restriction, and the developer’s Ave Maria FAQ notes that the town welcomes all ages. In Ave Maria, the age-restricted option is Del Webb Naples. Silverwood buyers range from first-time owners to retirees choosing the one-story Grove, Fernwood or Huntington plans.

Is Silverwood a good place to retire?

Silverwood offers three one-story plans (Grove, Fernwood and the sold-out Huntington) from $334,990 at base, a staffed clubhouse with a Lifestyle Director, and Publix 1.6 miles away. Trade-offs: the nearest full emergency department is about 35 to 40 minutes away today, and NCH has announced a planned 150-bed hospital in Ave Maria on donated land with construction expected to begin within two years of its October 2025 announcement. NCH Immediate Care already operates walk-in urgent care at 5360 Ave Maria Blvd (NCH; NCH hospital plan).

Is Ave Maria a good place to live?

That depends on what you want. In Ave Maria’s favor, by the record: newer construction, a Town Center with Publix and nearly 50 shops and services, town parks and a water park, Blue Zones Community Certification in 2023 (Blue Zones), and Silverwood prices well below coastal Collier. Against it: about 59 minutes to Naples’ 5th Avenue South free-flow, summer heat, and a district assessment on the tax bill. We walk buyers through both lists before they tour.

Do you have to be Catholic to live in Ave Maria?

No. The developer’s Ave Maria FAQ says residents of all faiths are welcome. The town grew around Ave Maria University and the Oratory, and the Catholic school in town, Ave Maria Catholic Academy (formerly Donahue Academy), is run by Ave Maria Parish, but nothing in the Maple Ridge Declaration or the Silverwood deed restricts who may buy or live there.

Is Ave Maria its own city, and is it part of Naples?

Ave Maria is an unincorporated town in eastern Collier County, not a city and not part of Naples. County government issues permits and sets zoning through the Town of Ave Maria Stewardship Receiving Area plan, the AMSCD maintains district infrastructure, and the Master Association runs town amenities (Ave Maria FAQ). Mailing addresses read Ave Maria, FL 34142. Silverwood’s zip code is 34142.

How far is Silverwood from Naples, the beach and the airport?

Free-flow routing from Agostino Way, queried 1 October 2026: I-75 at Exit 111 about 42 minutes; Vanderbilt Beach about 53 minutes; Naples’ 5th Avenue South about 59 minutes; Southwest Florida International Airport (RSW) about 59 minutes via SR 82. The developer quotes about 20 miles to North Naples (Ave Maria FAQ). Peak-season traffic adds time, so test the drive at the hour you would commute.

What schools serve Silverwood at Maple Ridge?

Collier County Public Schools’ 2026-27 zone lookup assigns Silverwood addresses in every phase to Ave Maria Elementary (opened 11 August 2026), Corkscrew Middle (graded A in 2026) and Palmetto Ridge High (graded B in 2026) (CCPS attendance zones; CCPS school grades). Ave Maria Elementary has no grade yet. CCPS states that its maps do not guarantee placement, so confirm with the Department of Student Assignment at (239) 377-0540.

What does it cost to own a Silverwood home each year?

Add these lines: the Master Association at $812 a year (Master Association); the Maple Ridge HOA assessment shown on the estoppel; the AMSCD at $2,602.65 to $2,673.47 on the FY 2026-27 bill, about $217 to $223 a month (AMSCD budget); Collier County ad valorem taxes; homeowners and flood insurance; and owner-paid lawn care, irrigation and pest control inside the lot. Electric is LCEC; water and sewer come from Ave Maria Utility Company.

How much is homeowners insurance on a Silverwood home?

No primary source publishes Silverwood premiums, so get quotes for the specific address. What lowers them: a wind mitigation inspection documenting impact openings and roof-to-wall connections, and a roof well under 15 years old. Florida lets insurers require a roof inspection only at 15 years (My Safe Florida Home), and every Silverwood roof dates from 2019 or later. Budget flood coverage separately, because most Silverwood lots sit in Zone AH or AE.

Can I rent out my Silverwood home or use it as an Airbnb?

You can lease the whole home, but not as a short-term rental. The HOA Rules and Regulations require a minimum 30-day lease, no more than two leases in any 12 months, no room rentals, no subleasing and no more than two occupants per bedroom. Every tenant goes through HOA approval at $150 per adult plus a $150 processing fee, with 14 to 21 business days allowed. Nightly and weekly rentals are ruled out.

Are pets allowed in Silverwood?

Yes. The Declaration allows a reasonable number of usual household pets, and the HOA’s purchase and tenant registration forms exclude pit bulls, wolf hybrids and dogs prone to aggressive behavior; the tenant form caps a tenant’s pet at 70 pounds (HOA Application for Purchase). Pets must be leashed outside the home unless in a fully enclosed rear yard. The Club at Maple Ridge has a dog park, and the town has dog parks for large and small dogs.

What fences are allowed in Silverwood?

Under the HOA Rules and Regulations, fences need architectural approval and must be bronze aluminum or black vinyl-coated chain link, no more than 4 feet tall, with no chain link facing a lake. On a 38-foot zero-lot-line homesite the fence line also has to respect drainage, so the architectural form asks for a surface-water plan for any new improvement. Collier County requires a fence permit as well.

How long does HOA approval take when buying a Silverwood resale?

The Maple Ridge HOA’s Application for Purchase asks buyers to allow a minimum of 14 to 21 business days, with $150 per applicant over 18 plus a $150 processing fee. The Declaration gives the association 20 days after it receives a complete application to approve or disapprove. Approval applies to cash and financed buyers alike, so we build it into the contract timeline from the first day.

Should I buy new from CC Homes or a Silverwood resale?

Compare total price, not base price. A resale at the $356,400 twelve-month median (Collier County Property Appraiser, 2026 tax roll data files) buys a finished home with landscaping, window treatments and often upgrades, and no build wait. New gives current spec, builder financing offers and a warranty, but a CC Homes base price excludes options and lot premium: the live Doheny quick move-in is $72,825 over its $389,990 base (CC Homes quick move-ins). Eight of the last 15 resales closed below the seller’s purchase price.

Are there quick move-in homes in Silverwood right now?

On 1 October 2026 CC Homes listed one Silverwood quick move-in: 5791 Agostino Way, a Doheny on lot SW3-495, 4 bedrooms, 2.5 baths, 2,047 square feet under air, 2-car garage, at $462,815 (CC Homes quick move-ins). On the 29 August 2026 roll, CC Homes still owned 46 vacant Phase 3 and 4 lots (Collier County Property Appraiser, 2026 tax roll data files), so new Silverwood inventory is in its final stretch.

What incentives is CC Homes offering in Silverwood?

CC Homes advertised time-limited promotions on its Maple Ridge page in autumn 2026, including a vehicle promotion and “Heroes” savings for veterans, nurses, firefighters, police, EMTs and teachers. Terms change often and may not apply to every collection, so read the current terms at the sales gallery before you compare a new home against a resale. A rate buy-down has real value even though it never appears in the recorded sale price.

Can I use my own agent when buying from CC Homes?

Yes, in practice, but register correctly. CC Homes does not publish its broker participation policy online, and builders commonly require a buyer’s agent to be named on the first visit to the sales gallery at 5009 Alonza Avenue (CC Homes, Maple Ridge). Call Marc at (239) 287-5873 before you visit the models so we can register with you and compare the builder contract against the resale market.

How much have Silverwood prices risen since launch?

The same Grove plan listed at $211,990 at the December 2018 launch (Ave Maria) and $334,990 on 1 October 2026 (CC Homes). Recorded builder-direct medians moved from $250,000 in 2019 and $252,600 in 2020 to $321,000 in 2022 and a $411,200 peak in 2023, then eased to $404,600 in 2024, $401,900 in 2025 and $397,500 for 2026 through July (Collier County Property Appraiser, 2026 tax roll data files).

How many homes are in Silverwood?

Silverwood has 602 platted home lots: Phase 1 lots 1 to 129 (Plat Book 63, pages 95 to 102), Phase 2 lots 130 to 312 (Plat Book 67, pages 88 to 93) and Phases 3 and 4 lots 313 to 602 (AMSCD 2022A offering memorandum). The county roll shows 635 Silverwood parcels because it also counts 33 common tracts for lakes, roads and open space (Collier County Property Appraiser, 2026 tax roll data files).

What is the difference between Silverwood and Coquina at Maple Ridge?

Coquina at Maple Ridge was CC Homes’ first entry-price section, sold out by December 2018, when Silverwood opened with the same plan family, including Grove and Fernwood (Ave Maria). Coquina is now resale-only; Silverwood still has a few CC Homes homes left. Both share the Maple Ridge HOA and club, but carry different district bond tiers, so compare the tax bill line by line.

Who manages the Maple Ridge HOA?

Miami Management, Inc. (MMI of the Gulf Coast) manages the Maple Ridge at Ave Maria HOA from its onsite office at 4995 Brigata Way, (239) 867-4527, per the HOA’s Community Contacts page. FirstService Residential manages the Ave Maria Master Association at 5080 Annunciation Circle, (239) 867-4322 (Master Association). Estoppels and approvals for a Silverwood sale go through both offices.

Is the Maple Ridge HOA still controlled by CC Homes?

Our reading is yes. Under Section 3.3 of the Declaration, the developer’s Class B control ends 90 days after 90 percent of the residential units are conveyed, mirroring s. 720.307, and the count runs across every Maple Ridge section the HOA will operate, not Silverwood alone. With Maple Ridge Phase 8 and Cadiz still selling, that threshold had not been reached on the district’s latest public count, and no turnover notice was found.

Who provides utilities in Silverwood?

The Maple Ridge HOA’s resident information lists LCEC (Lee County Electric Cooperative) for electric and Ave Maria Utility Company for water and sewer, with underground power lines (HOA Useful Information for Homeowners). Trash is Collier County curbside collection; check your day with Collier County Solid Waste. Internet and cable are arranged by the owner unless the HOA’s budget includes a bulk contract, which the estoppel and budget confirm.

What are property taxes on a Silverwood home?

A Silverwood tax bill carries Collier County ad valorem taxes plus the AMSCD non-ad valorem lines of $2,460.43 to $2,531.25 for FY 2025-26 (AMSCD assessment roll). A buyer’s home is reassessed at market value the year after purchase, so the seller’s bill understates your future taxes. A primary residence qualifies for the homestead exemption and Save Our Homes cap (s. 193.155). Pull any parcel’s bill from the Collier County Tax Collector.

What is there to do near Silverwood?

The Club at Maple Ridge runs social and fitness events through its Lifestyle Director. In town, the Master Association maintains North Park, South Park, the Ave Maria Water Park and the Fitness Center (Master Association), and the developer lists a Saturday farmers market from November to April (Ave Maria seasonal events) and Panther Run Golf Club, open for public play (Ave Maria golf). Publix, Town Center dining and Midtown Plaza are about 6 minutes away.

Silverwood or Avalon Park: which fits me better?

They are different products from different builders. Silverwood is CC Homes on 38-foot lots under the Maple Ridge HOA with The Club at Maple Ridge; Avalon Park is a Pulte village with its own association and amenity center. Compare plan sizes, lot widths, the HOA plus Master plus AMSCD line from each estoppel and tax bill, and the FEMA zone of each address. Both share the Ave Maria Master Association and town amenities (Master Association).

Is Silverwood part of a Blue Zones community?

The town is. Ave Maria received Blue Zones Community Certification in July 2023 and is listed among the Southwest Florida communities that earned the designation (Blue Zones). The certification belongs to Ave Maria as a whole; Silverwood and Maple Ridge are not separately certified.

Ready to buy in Silverwood? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida. Compare Silverwood with its parent village on our Maple Ridge at Ave Maria page.

Frequently Asked Questions, Seller Edition

Selling in Silverwood at Maple Ridge means pricing against CC Homes, which is still closing new homes on the same streets. These answers draw on the Collier County Property Appraiser, 2026 tax roll data files, the district’s assessment roll, the Maple Ridge HOA’s own forms, Florida’s homeowners association statutes and FEMA’s flood map.

Who is the best realtor to sell a home in Silverwood at Maple Ridge?

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008 and the #1 team in Southwest Florida since 2012. We price a Silverwood home from its own street, phase and purchase vintage, set against CC Homes’ current price for the same plan, because that is the comparison every buyer makes. We tracked all 15 Silverwood resale pairs in the last twelve months on the Collier County Property Appraiser, 2026 tax roll data files. Start with a free Silverwood home valuation or call Jesse direct at (239) 898-6072.

What is my Silverwood home worth in 2026?

From August 2025 to July 2026, 15 Silverwood resales recorded a $356,400 median, from $335,000 to $435,000, while 33 CC Homes builder-direct closings recorded a $394,900 median (Collier County Property Appraiser, 2026 tax roll data files). Over 24 months the resale median was $362,500 across 30 resales. Your plan, phase, lot position, upgrades and condition move you within that band, and the county record does not identify plans, so we match each comparable by address. Get a free Silverwood home valuation built from those sales.

How do I price my Silverwood home against CC Homes’ new homes?

Start with the base price of your plan today on CC Homes’ Maple Ridge page, from $334,990 for a Grove to $410,990 for an Encinitas, then add what a builder buyer pays on top: options, lot premium and the wait. Your resale wins on things already paid for: landscaping, window treatments, a screened lanai, upgrades and immediate move-in. It loses on new spec and builder financing offers. A resale priced above the same plan’s new base price with similar options rarely competes. Call Jesse direct at (239) 898-6072 for a plan-by-plan comparison.

Should I price below CC Homes’ quick move-in homes?

Usually, if your home is the same plan with fewer upgrades. On 1 October 2026 the only Silverwood quick move-in, a Doheny at 5791 Agostino Way, listed at $462,815, which is $72,825 over the Doheny base of $389,990 (CC Homes quick move-ins). A buyer comparing your Doheny with that home weighs your upgrades against new construction and builder incentives. If your home carries comparable upgrades and a better lot, you can price nearer to it. We set that line with you at the free Silverwood home valuation.

Why do some Silverwood resales sell below the builder’s price?

Builder closing prices include options, lot premiums and, often, financing incentives whose value lifts the recorded price. Resale buyers will not pay full cost again for options that are now a few years old. In the twelve months to July 2026, all 33 builder-direct sales were in Phases 3 and 4 at a $394,900 median, while 8 resales in those same phases recorded a $354,700 median (Collier County Property Appraiser, 2026 tax roll data files). The gap, about $40,000, is the price of new against nearly new on the same streets.

Does the year I bought my Silverwood home change what I can sell for?

Yes, sharply; we call it the vintage effect. In the 15 Silverwood resale pairs from August 2025 to July 2026, homes first bought from 2019 to May 2022 resold higher, with a median gain of about 27 percent, while homes first bought in 2023 and 2024 resold lower, with a median change of about minus 10 percent (Collier County Property Appraiser, 2026 tax roll data files). Buyers in 2023 paid near the builder peak, a $411,200 median that year. Price against today’s market, not your contract price. Call Jesse direct at (239) 898-6072.

Can I sell my Silverwood home for less than I paid?

Yes. Florida does not restrict a sale below your purchase price; you need enough proceeds, or funds at closing, to pay your mortgage and closing costs. It is common for 2023 and 2024 Silverwood buyers: 8 of the 15 resale pairs in the last twelve months closed below the earlier price, with a median change of minus 2.4 percent across all 15 (Collier County Property Appraiser, 2026 tax roll data files). If the payoff exceeds the likely price, talk to your lender early about options. Request a free Silverwood home valuation before you decide.

How long does it take to sell a home in Silverwood?

The county record carries no list price or days on market, so we read current marketing time from active Silverwood and Maple Ridge listings when we prepare your valuation. What you control: a price inside the recorded resale band, a home ready to show, and the estoppel and HOA paperwork ordered at listing. After a contract, the HOA’s purchase approval asks for 14 to 21 business days (HOA Application for Purchase), so plan for that inside the closing window.

When is the best time of year to sell in Silverwood?

In our experience, Southwest Florida buyer traffic builds from January to April as seasonal residents arrive, and Silverwood’s one-story plans draw retirees and second-home buyers in that window. Listing in late autumn lets you catch early arrivals and finish HOA approval before spring. Summer still produces sales from relocating families before the school year at the new Ave Maria Elementary (CCPS attendance zones), and hurricane season runs June through November, so plan photos and repairs around it. Call Jesse direct at (239) 898-6072 to time your listing.

Is it a good time to sell in Silverwood at Maple Ridge?

It depends on when you bought. The resale median by year moved from $405,000 in 2023 to $390,000 in 2024, $365,000 in 2025 and $359,000 for 2026 through July, on 9 to 18 resales a year (Collier County Property Appraiser, 2026 tax roll data files). Owners who bought before mid-2022 are selling well above purchase; 2023 and 2024 buyers face a loss on paper. We do not forecast prices; our valuation shows your number against both groups.

Should I sell now or wait until CC Homes sells out Silverwood?

CC Homes still owned 46 vacant Phase 3 and 4 lots on the 29 August 2026 roll (Collier County Property Appraiser, 2026 tax roll data files) and listed one Silverwood quick move-in on 1 October 2026 (CC Homes). Once those homes are gone, resales become the only way into Silverwood, as happened in Coquina after it sold out in 2018. But CC Homes is also selling Cadiz, a same-HOA enclave from $334,990 (AMSCD October 2025 board book), so builder competition at this price does not end with Silverwood. Weigh carrying costs against that timing.

When should I lower my asking price?

Review the price after the first two or three weekends of showings, and again whenever CC Homes changes a Silverwood price or announces a new incentive on its Maple Ridge page. If showings are steady but offers are not coming, the price is the issue; if showings are thin, the price and the marketing are both in question. A modest early adjustment usually costs less than months of AMSCD, HOA, insurance and mortgage carrying costs. Call Jesse direct at (239) 898-6072 for a review.

Can I list my Silverwood home next to a CC Homes quick move-in or active construction?

Yes. Nothing in the Declaration or the HOA Rules restricts a resale near builder inventory. Disclose known construction nearby; buyers will see it on the remaining Phase 3 and 4 lots on Cassidy Lane and Agostino Way. A builder home next door often helps by bringing buyers into the neighborhood who then compare your finished home, landscaping and move-in date against a home still under construction. Your photos and pricing should make that contrast plain (CC Homes quick move-ins).

How will an appraiser value my Silverwood home against new construction?

An appraiser uses recorded closed sales, which in Silverwood include CC Homes’ builder-direct closings at a $394,900 twelve-month median alongside resales at $356,400 (Collier County Property Appraiser, 2026 tax roll data files). Builder sales with heavy options or incentives can pull values in either direction, so we give the appraiser a list of the closest same-plan resales and the upgrades in your home. If an appraisal comes in low, the contract’s appraisal terms decide whether the price is renegotiated.

Does my floor plan affect how fast my Silverwood home sells?

The county record cannot tell us, because its building field does not identify CC Homes plans, and we do not publish plan-level sell-through we have not measured. What we can say: the one-story Grove, Fernwood and Huntington appeal to retirees and second-home buyers, and Huntington is sold out in new construction, so a resale Huntington faces no new same-plan competition (CC Homes). Two-story Doheny and Encinitas plans draw families. Call Jesse direct at (239) 898-6072 for plan-specific comparables.

Does my phase’s AMSCD assessment affect my sale price?

A little. On the FY 2025-26 bill, Phases 1 and 2 pay $2,460.43 to $2,466.17 a year and Phases 3 and 4 pay $2,531.25, a difference of about $71 a year, and the bond balance per lot ranges from $18,071 to $23,388 by phase (AMSCD assessment roll). Buyers and lenders read the monthly total, about $217 to $223 on the FY 2026-27 bill. Older phases with lower remaining debt can mention it in the listing.

Do I have to pay off the AMSCD bonds when I sell?

No. The district’s own assessment roll states that the bond balance “does not have to be paid off at closing” (AMSCD assessment roll). The assessment stays with the lot and is collected on the Collier County tax bill, and the current year is prorated between buyer and seller at closing. A buyer may ask for a credit toward the balance; that is a negotiation, not a requirement. Paying it off before listing rarely returns its cost in price.

How do I find my Silverwood lot’s AMSCD payoff amount?

The district publishes a per-parcel bond balance good through 31 October 2026: $18,071.19 for sub-phases 1b and 2a, $18,274.71 for 1a, $19,967.43 for 2b and $23,387.85 for Phases 3 and 4 (AMSCD assessment roll). For an exact payoff on a closing date, contact the district manager, Special District Services, through the AMSCD website. The annual amount appears on your Collier County Tax Collector bill.

How are HOA dues, Master dues and AMSCD assessments handled at closing?

HOA and Master dues are paid through the date shown on each estoppel certificate, and any prepaid quarter is credited back to you. Collier County taxes and the AMSCD assessments, which are on the same bill, are prorated to the closing date on the settlement statement. On the FY 2026-27 bill, the AMSCD portion is $2,602.65 to $2,673.47 per Silverwood lot (AMSCD FY 2026-27 budget). Paying the November bill early earns a 4 percent discount, which affects the proration.

What is an HOA estoppel certificate, and what does it cost in Maple Ridge?

It is the association’s signed statement of what your lot owes at closing, relied on by the buyer and the title agent. Miami Management’s Maple Ridge estoppel request form charges $299 for delivery in 7 business days, plus $119 to expedite to 2 business days, with one free update within 30 days. Those figures equal the statutory cap of $250 and $100 under s. 720.30851, as adjusted for inflation. The statute requires issuance within 10 business days.

How many estoppels does a Silverwood sale need?

Two. The Ave Maria Master Association states that every home in Ave Maria belongs to two associations and that estoppels are required from each for every sale (Master Association realtor information). Order the Maple Ridge HOA estoppel from Miami Management and the Master estoppel through FirstService Residential’s online ordering site (Master resale requests). The Master fee is shown at checkout. Your closing agent usually orders both once you are under contract.

Who pays the HOA estoppel fee when I sell?

The statute lets the association charge the party requesting the certificate, and the purchase contract decides who bears it in the end (s. 720.30851). Under common Florida contract forms the estoppel fee is usually a seller cost, so budget about $299 for the Maple Ridge HOA plus the Master Association’s fee. If your account is delinquent, the cap allows up to $150 more. Read your contract’s closing cost section, and call Jesse direct at (239) 898-6072 with questions.

Does the HOA have to approve my buyer?

Yes. Article 9 of the Maple Ridge Declaration bars any sale without written HOA approval, and the HOA’s Application for Purchase charges $150 per adult applicant plus a $150 processing fee, asking for 14 to 21 business days. Approval applies to cash buyers as well as financed buyers, and an entity buyer must have its primary occupant approved. The association also withholds screening on a purchase while the lot has an open violation or unpaid balance, so clear those before you list.

Can the HOA stop me from selling my Silverwood home?

Not outright. Under Article 9 of the Maple Ridge Declaration, the association must approve or disapprove within 20 days of receiving a complete application, and if it disapproves a sale it must furnish a buyer, or buy, at the contract price; otherwise the sale is deemed approved. The practical risk is delay, from an incomplete application, an open violation or an unpaid balance. We check your account status before the listing goes live.

What HOA disclosures must I give a Silverwood buyer?

Florida’s s. 720.401 requires a disclosure summary for any parcel in a mandatory homeowners association, stating that the buyer must join, the current assessment amount and that the governing documents can be amended. If it is not given before the contract is signed, the buyer may cancel. A Silverwood sale is subject to two associations, so the summary and the governing documents should cover both the Maple Ridge HOA and the Ave Maria Master Association. Your agent attaches it to the contract.

Do I have to disclose flooding when I sell?

Yes. Florida now requires residential sellers to give the buyer a written flood disclosure at or before the contract, covering whether you know of flood damage, have filed flood insurance claims or received federal flood assistance; your closing agent and contract forms carry the current form. Beyond that, Florida law expects disclosure of known facts that materially affect value. Silverwood lots in every phase sit mostly in FEMA Zone AH or AE (FEMA National Flood Hazard Layer). Call Jesse direct at (239) 898-6072 before you fill it in.

Will the flood zone hurt my Silverwood sale?

Not compared with other Silverwood homes, because 617 of 635 Silverwood parcels touch the Special Flood Hazard Area on FEMA panel 12021C0255H (FEMA Flood Map Service Center). What matters to a financed buyer is the flood premium, which the lender will require. Give the buyer your Elevation Certificate and current flood policy declarations so the agent can quote early; Collier’s Class 5 rating gives eligible NFIP policies 25 percent off (Collier 2026 Flood Protection Newsletter). If you own one of the 18 lots outside the high-risk area, say so.

Who pays the owner’s title insurance policy in Collier County?

In Collier County the buyer customarily pays for the owner’s title insurance policy and chooses the closing agent, so it is not a usual seller cost. Your purchase contract controls, and a buyer can ask a seller to contribute, but that is a negotiated concession rather than local custom. The seller’s side typically covers the state documentary stamp tax on the deed (Florida Department of Revenue) and the items listed in the next answer.

What closing costs does a Silverwood seller pay?

Typical seller lines: the brokerage commission, which is negotiable; the documentary stamp tax on the deed at 70 cents per $100 of price under s. 201.02, about $2,495 on a $356,400 sale; the HOA and Master estoppel fees as your contract assigns them; prorated taxes and AMSCD assessments; your mortgage payoff; and any agreed buyer concessions. The owner’s title policy is customarily a buyer cost in Collier County. Get a seller net sheet with a free Silverwood home valuation.

Can I put a For Sale sign in my Silverwood yard?

No. The Maple Ridge HOA Rules and Regulations prohibit signs of any kind, specifically including For Sale and For Rent signs. That shifts a Silverwood listing’s marketing to online photos, video, mapping and agent networks, which is where buyers search first. It also means open-house traffic depends on online promotion rather than drive-bys. Our marketing plan for Silverwood is built around that rule.

How should I photograph my Silverwood home, and can we use a drone?

Professional photos matter more here because yard signs are not allowed. Shoot the great room, kitchen and primary suite in natural light, then the lanai and any lake or preserve view. A drone shot that places your home relative to the lakes, the preserve and The Club at Maple Ridge helps out-of-area buyers. Commercial drone photography must be flown by an FAA-certified remote pilot under the federal small drone rules, with airspace checked first (FAA, certificated remote pilots). Call Jesse direct at (239) 898-6072 to schedule.

How do I stage a zero-lot-line Silverwood home?

On a 38-foot lot, staging is about light and flow. Open blinds on the windowed side, remove extra furniture from the great room so the sight line runs from the front door to the lanai, and set the lanai as an outdoor room, since Silverwood homes have no private pool option. Neutralize bold paint, clear garage clutter (many plans have a 1-car garage), and freshen landscaping within the Rules’ approved plant palette. Buyers compare you with CC Homes’ furnished models at 5009 Alonza Avenue (CC Homes), so show yours at its best.

Should I make repairs or get a pre-listing inspection?

Repairs are not required by law, but a pre-listing inspection finds problems before the buyer’s inspector does. Add a wind mitigation report: Florida insurers must offer credits for features such as impact openings and roof-to-wall connections, and a strong report lowers your buyer’s premium. Every Silverwood roof dates from 2019 or later, well under the 15-year age at which insurers may require a roof inspection (My Safe Florida Home). Close any open permits on your address first.

Do additions or changes to my Silverwood home need permits before I sell?

Yes. Collier County issues every permit in Ave Maria: screen enclosures (PRAS), shutters, windows and doors (PRSD), pools (PRSPL), fences, generators, roofs and solar (Collier County application requirements). Each exterior change also needs the HOA’s written architectural approval, and the HOA’s form warns approvals can take 45 days (HOA Architectural Modification form). A buyer’s title search and inspector will look for open or missing permits, so close them before listing.

Can I sell my Silverwood home with a tenant living in it?

Yes, subject to the lease. Maple Ridge leases are on association-approved forms, run at least 30 days and must have been approved by the HOA (HOA Rules and Regulations), so a buyer can read the term, rent and deposit. A lease running past closing suits an investor buyer; an owner-occupant usually wants it vacant, so the contract sets the delivery date. Give the tenant proper notice for showings, and transfer the security deposit at closing. Call Jesse direct at (239) 898-6072 to plan around the lease.

How do pets and tenants affect showings and a sale?

Pets: remove them, their bowls and litter during showings, and repair any yard or screen damage; buyers notice. If your buyer has pets, the HOA’s purchase application requires a pet registration form and photo, and it excludes pit bulls, wolf hybrids and dogs prone to aggression (HOA Application for Purchase). If an investor buyer plans to rent, note the tenant form caps a tenant’s pet at 70 pounds. A cooperative tenant who keeps the home show-ready is worth a rent concession.

Should I rent my Silverwood home instead of selling?

Compare net rent with your carrying cost. The HOA allows whole-home leases of at least 30 days, no more than two leases in 12 months, with tenant approval at $150 per adult plus $150 processing (HOA Rules and Regulations), so seasonal stacking and short-term rental are out. Renting also ends your homestead exemption and can affect the tax treatment of a later sale. If you bought in 2023 or 2024, renting while values recover is a real option; run both numbers with a free Silverwood home valuation.

Will I owe capital gains tax when I sell my Silverwood home?

Possibly not. Under federal law, a primary residence owned and lived in for at least two of the last five years can exclude up to $250,000 of gain, or $500,000 for married couples filing jointly (IRS Topic 701), and Florida has no personal income tax. Owners who bought in 2019 to early 2022 have the largest gains; rental periods and partial years change the math. Consult a tax adviser before you list; we cannot give tax advice.

Can I take my homestead savings to my next Florida home?

Yes, if you buy and homestead a new Florida home within the timeframe the statute allows. Florida’s portability rule under s. 193.155(8) lets you transfer up to $500,000 of your accumulated Save Our Homes benefit to a new homestead established within three years of January 1 of the year you gave up the old one. You file with the new county’s property appraiser. Silverwood owners who homesteaded in 2019 to 2021 often carry meaningful savings.

Can I move up from Silverwood to a larger Maple Ridge home?

Yes, and you keep the same HOA, club and neighbors. CC Homes sells Cove, Garden and Estate homes in core Maple Ridge, with a private pool option that Silverwood does not offer (CC Homes features). A move-up is usually a sale and a purchase timed together: your buyer’s HOA approval and the builder’s closing date have to line up. Compare the village options on our Maple Ridge at Ave Maria page, then call Jesse direct at (239) 898-6072.

Should I sell my Silverwood home before buying the next one?

It depends on your financing and risk tolerance. Selling first gives a clean budget and no double carrying cost, but may need a short-term rental. Buying first secures the next home but may need a bridge loan or contingency. In Silverwood, build the HOA’s 14 to 21 business day purchase approval into the sale timeline (HOA Application for Purchase), and if your next home is a CC Homes quick move-in, match its ready date. We coordinate both sides.

Can I sell my Silverwood home by owner?

Yes, but the paperwork is the same. You still owe the buyer the s. 720.401 HOA disclosure summary and the flood disclosure, you order two estoppels (Maple Ridge HOA and Master), your buyer still needs HOA approval, and you price against CC Homes’ current new homes without a full comparable set (s. 720.401). The HOA’s no-sign rule also takes away the yard sign many by-owner sellers rely on. Most owners hire an agent to carry that load.

How much commission does it cost to sell in Silverwood?

Commission is negotiable and not set by law or by any association. What you pay depends on the services, the marketing plan and how buyer-agent compensation is handled in your listing agreement and the purchase contract, which Florida practice now addresses separately in writing. Compare what each agent will do for a Silverwood listing: plan-level comparables against CC Homes, online marketing without a yard sign, and HOA approval management. Ask for a written seller net sheet with your free Silverwood home valuation.

How long does closing take after I accept an offer?

Cash closings commonly run two to four weeks and financed closings 30 to 45 days, but in Silverwood the HOA’s purchase approval, which asks for 14 to 21 business days (HOA Application for Purchase), is often the longest step. The estoppels must be issued within 10 business days of request under s. 720.30851. Getting the buyer’s application in during the first week keeps the date.

Can I sell my Silverwood home if I live out of state?

Yes. Many Silverwood owners are seasonal or have relocated, and the sale can be run remotely: showings and feedback, estoppels from both associations, HOA approval for your buyer, the disclosure package, and a mail-away or remote closing arranged with the closing agent. The Maple Ridge HOA office handles the purchase application locally at 4995 Brigata Way (HOA Community Contacts). Remote sales are routine for our team; call Jesse direct at (239) 898-6072.

Does my CC Homes warranty transfer to a buyer?

CC Homes does not publish its warranty terms online, so ask CC Homes’ customer care for your home’s warranty documents and whether any remaining coverage transfers to a new owner (CC Homes, Maple Ridge). For a 2024 or 2025 Silverwood home, remaining structural coverage can be a real selling point against new construction. If coverage transfers, put the documents in the listing package.

Do I have to tell buyers the HOA is still developer-controlled?

The disclosure summary and governing documents carry it. Under Section 3.3 of the Maple Ridge Declaration, the developer keeps control until 90 days after 90 percent of the units are conveyed, and Florida’s s. 720.307 sets the same transition point. Our reading is that this point had not been reached on the latest public count. Buyers can request the HOA’s records under s. 720.303; we do not characterize member-only records.

What does the Ave Maria Master Association require when I sell?

Its own estoppel, separate from the Maple Ridge HOA’s, ordered through FirstService Residential (Master resale requests). Master dues are $203 per quarter in 2026, due January 1, April 1, July 1 and October 1 (Master payment options), and must be current at closing. Any Master transfer charge appears at checkout or on its estoppel. Your buyer will need a Master key card for the town Fitness Center.

Can I add value before selling by converting the garage or adding a pool?

Check the rules before spending. The HOA Rules bar converting a garage to living space without architectural approval, and garage parking matters to buyers on a 38-foot lot. An in-ground pool needs ARC approval, a Collier pool permit with a barrier plan and drainage review (Collier pools permit form), and rarely returns its cost at resale. A screened lanai, fresh paint and landscaping inside the approved palette usually return more. Get a free Silverwood home valuation before any project.

How do I get a free valuation of my Silverwood home?

Use our free Silverwood home valuation or the Maple Ridge home valuation page, or call Jesse direct at (239) 898-6072. We send a value built from Silverwood’s recorded resale pairs, CC Homes’ current price for your plan, your phase’s AMSCD tier and the active listings we read at valuation.

Ready to sell in Silverwood? Get a free Silverwood home valuation or call Jesse direct at (239) 898-6072. Buying too? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida.

Sources and Authoritative References

Every fact on this Silverwood at Maple Ridge page traces to one of the 157 sources below, each read on 1 October 2026: the Collier County recorded sales record, the Ave Maria Stewardship Community District’s own budget and parcel roll, the Maple Ridge HOA’s posted documents, FEMA’s flood map, Collier County Government, Collier County Public Schools, Florida Statutes and the builder’s own published plans and prices.

1. Collier County Property Appraiser, 2026 tax roll data files (parcel, sales, building and subdivision files dated 29 August 2026), Silverwood at Ave Maria Ph 1, Ph 2 and Phase 3 and 4; every qualified improved Silverwood sale through 9 July 2026, read 1 October 2026.
2. Ave Maria, “Silverwood at Maple Ridge Debuts in Ave Maria,” December 2018, accessed 1 October 2026.
3. Ave Maria Sun, “New phase opens at Maple Ridge,” May 2024, accessed 1 October 2026.
4. Ave Maria Stewardship Community District Series 2022A Limited Offering Memorandum, accessed 1 October 2026.
5. CC Homes, Maple Ridge, 1 October 2026, accessed 1 October 2026.
6. Maple Ridge at Ave Maria HOA, Rules and Regulations, accessed 1 October 2026.
7. Miami Management estoppel request form, accessed 1 October 2026.
8. Ave Maria Master Association, Realtor Information, accessed 1 October 2026.
9. FEMA’s National Flood Hazard Layer, accessed 1 October 2026.
10. Collier County 2026 Flood Protection Newsletter, accessed 1 October 2026.
11. Ave Maria Stewardship Community District bond balance and assessment roll, good through 31 October 2026, accessed 1 October 2026.
12. AMSCD Final Budget FY 2026-2027, adopted 4 August 2026, accessed 1 October 2026.
13. CC Homes, Maple Ridge features, accessed 1 October 2026.
14. CC Homes, Maple Ridge community amenities, accessed 1 October 2026.
15. Collier County Public Schools attendance zones 2026 to 2027, accessed 1 October 2026.
16. CC Homes, Maple Ridge and Silverwood site plan, accessed 1 October 2026.
17. Ave Maria Master Association, Associations, accessed 1 October 2026.
18. Ave Maria Development FAQ, accessed 1 October 2026.
19. CC Homes, Silverwood site plan, 2025, accessed 1 October 2026.
20. openstreetmap.org: OpenStreetMap, accessed 1 October 2026.
21. Ave Maria Stewardship Community District, Golf Cart Drivers Handbook, accessed 1 October 2026.
22. Maple Ridge HOA homeowner information, accessed 1 October 2026.
23. avemaria.com, Recreation and Amenities, accessed 1 October 2026.
24. Ave Maria Development: Ave Maria, July 2023, accessed 1 October 2026.
25. NCH Healthcare System: NCH, October 2025, accessed 1 October 2026.
26. CCPS school and district grades, accessed 1 October 2026.
27. Ave Maria Development, August 2026, accessed 1 October 2026.
28. Ave Maria Master Association, payment options, accessed 1 October 2026.
29. s. 720.303, Florida Statutes, accessed 1 October 2026.
30. Collier County evacuation zone lookup, accessed 1 October 2026.
31. CC Homes, Grove page, archived capture 2023-11-29 (Internet Archive Wayback Machine), accessed 1 October 2026.
32. CC Homes, Encinitas page, archived capture 2024-03-02 (Internet Archive Wayback Machine), accessed 1 October 2026.
33. CC Homes, Maple Ridge page, archived capture 2025-02-08 (Internet Archive Wayback Machine), accessed 1 October 2026.
34. CC Homes, Maple Ridge page, archived capture 2025-06-17 (Internet Archive Wayback Machine), accessed 1 October 2026.
35. AMSCD board meeting book, 1 July 2025, accessed 1 October 2026.
36. CC Homes quick move-in homes, accessed 1 October 2026.
37. CC Homes, Maple Ridge page, archived capture 2021-01-06 (Internet Archive Wayback Machine), accessed 1 October 2026.
38. Florida Weekly, “Two new floor plans offered at Maple Ridge in Ave Maria”, accessed 1 October 2026.
39. CC Homes, Maple Ridge page, archived capture 2018-01-13 (Internet Archive Wayback Machine), accessed 1 October 2026.
40. CC Homes, Grove page, archived capture 2020-08-13 (Internet Archive Wayback Machine), accessed 1 October 2026.
41. CC Homes, Fernwood page, archived capture 2020-08-13 (Internet Archive Wayback Machine), accessed 1 October 2026.
42. CC Homes, Anaheim page, archived capture 2020-08-13 (Internet Archive Wayback Machine), accessed 1 October 2026.
43. CC Homes, Balboa page, archived capture 2020-08-15 (Internet Archive Wayback Machine), accessed 1 October 2026.
44. CC Homes, Cascada page, archived capture 2020-08-15 (Internet Archive Wayback Machine), accessed 1 October 2026.
45. CC Homes, Doheny page, archived capture 2020-08-13 (Internet Archive Wayback Machine), accessed 1 October 2026.
46. CC Homes, Encinitas page, archived capture 2020-08-15 (Internet Archive Wayback Machine), accessed 1 October 2026.
47. CC Homes, Grove page, archived capture 2021-09-25 (Internet Archive Wayback Machine), accessed 1 October 2026.
48. CC Homes, Fernwood page, archived capture 2021-09-26 (Internet Archive Wayback Machine), accessed 1 October 2026.
49. CC Homes, Anaheim page, archived capture 2022-06-29 (Internet Archive Wayback Machine), accessed 1 October 2026.
50. CC Homes, Balboa page, archived capture 2021-05-15 (Internet Archive Wayback Machine), accessed 1 October 2026.
51. CC Homes, Cascada page, archived capture 2021-02-27 (Internet Archive Wayback Machine), accessed 1 October 2026.
52. CC Homes, Doheny page, archived capture 2021-09-26 (Internet Archive Wayback Machine), accessed 1 October 2026.
53. CC Homes, Encinitas page, archived capture 2022-01-18 (Internet Archive Wayback Machine), accessed 1 October 2026.
54. CC Homes, Grove page, archived capture 2023-01-28 (Internet Archive Wayback Machine), accessed 1 October 2026.
55. CC Homes, Maple Ridge page, archived capture 2024-05-22 (Internet Archive Wayback Machine), accessed 1 October 2026.
56. CC Homes, Maple Ridge page, archived capture 2026-03-05 (Internet Archive Wayback Machine), accessed 1 October 2026.
57. Maple Ridge HOA Application for Purchase, accessed 1 October 2026.
58. Maple Ridge HOA, Application for Architectural Modification, accessed 1 October 2026.
59. Ave Maria Sun, “CC Homes creates a sense of community at Maple Ridge,” April 2020, accessed 1 October 2026.
60. AMSCD board meeting book, 3 June 2025, accessed 1 October 2026.
61. CC Homes, Features 2 page, archived capture 2023-01-28 (Internet Archive Wayback Machine), accessed 1 October 2026.
62. CC Homes, Silverwood Vista debut, accessed 1 October 2026.
63. Ave Maria blog, June 2024, accessed 1 October 2026.
64. FEMA Flood Map Service Center, accessed 1 October 2026.
65. AMSCD board book, 14 October 2025, accessed 1 October 2026.
66. Lennar, The National brochure, accessed 1 October 2026.
67. Pulte, Avalon Park at Ave Maria, accessed 1 October 2026.
68. PulteGroup: Pulte, Gatherpoint, accessed 1 October 2026.
69. Del Webb: Del Webb Naples, accessed 1 October 2026.
70. Maple Ridge HOA, Community Contacts, accessed 1 October 2026.
71. Maple Ridge HOA, Clubhouse, accessed 1 October 2026.
72. Ave Maria Master Association, accessed 1 October 2026.
73. avemaria.com, April 2024, accessed 1 October 2026.
74. Ave Maria Master Association, New Homeowner Info, accessed 1 October 2026.
75. publix.com: Publix, store 1252, accessed 1 October 2026.
76. avemaria.com, Midtown Plaza, accessed 1 October 2026.
77. NCH Healthcare System: NCH, May 2025, accessed 1 October 2026.
78. Paradise Coast, Panther Run Golf Club, accessed 1 October 2026.
79. Florida Division of Corporations, Sunbiz, accessed 1 October 2026.
80. Maple Ridge Declaration, OR 4958, Page 857, accessed 1 October 2026.
81. Maple Ridge HOA, Financials, accessed 1 October 2026.
82. s. 720.401, Florida Statutes, accessed 1 October 2026.
83. s. 720.30851, Florida Statutes, accessed 1 October 2026.
84. Ave Maria Master Association, Resale and Lending Requests, accessed 1 October 2026.
85. Maple Ridge HOA, Application for Tenant Occupancy, accessed 1 October 2026.
86. Ave Maria Stewardship Community District: AMSCD website, accessed 1 October 2026.
87. Collier County Tax Collector, accessed 1 October 2026.
88. s. 196.031, Florida Statutes, accessed 1 October 2026.
89. Florida Statutes: s. 193.155(8), accessed 1 October 2026.
90. Citizens flood requirement, accessed 1 October 2026.
91. My Safe Florida Home, s. 627.7011 roof rule, accessed 1 October 2026.
92. documents and forms page, accessed 1 October 2026.
93. Find Your Collection Days tool, accessed 1 October 2026.
94. Ave Maria Stewardship Community District: 2026 edition, accessed 1 October 2026.
95. Ave Maria Sun, May 2024, accessed 1 October 2026.
96. s. 720.307, Florida Statutes, accessed 1 October 2026.
97. Ave Maria Stewardship Community District: documents page, accessed 1 October 2026.
98. Collier County Growth Management GIS parcel layer, accessed 1 October 2026.
99. USGS 3DEP elevation service, accessed 1 October 2026.
100. FEMA: FEMA, Zone AH, accessed 1 October 2026.
101. FEMA: FEMA, Zone AE, accessed 1 October 2026.
102. FEMA: FEMA, Zone X shaded, accessed 1 October 2026.
103. Collier County Government: collier.gov/floodmap, accessed 1 October 2026.
104. FEMA Map Service Center, accessed 1 October 2026.
105. Collier County Community Planning and Resiliency, accessed 1 October 2026.
106. coastal flood risk study, accessed 1 October 2026.
107. s. 689.302, Florida Statutes, accessed 1 October 2026.
108. NWS Miami, Hurricane Irma, accessed 1 October 2026.
109. Ave Maria Development, June 2025, accessed 1 October 2026.
110. NWS Miami, Hurricane Ian summary, accessed 1 October 2026.
111. Ave Maria Development, October 2022, accessed 1 October 2026.
112. NWS Miami, Hurricane Milton summary, accessed 1 October 2026.
113. hurricane evacuation zone layer, accessed 1 October 2026.
114. Fox4, quoting Collier County, accessed 1 October 2026.
115. Florida wind speed contours, ASCE 7-22, accessed 1 October 2026.
116. Florida Roofing and Sheet Metal Contractors Association, quoting the FBC definition, accessed 1 October 2026.
117. Florida Building Code 7th Edition notice, accessed 1 October 2026.
118. Florida Building Commission, 2023 effective dates, accessed 1 October 2026.
119. s. 627.701, Florida Statutes, accessed 1 October 2026.
120. s. 627.0629, Florida Statutes, accessed 1 October 2026.
121. s. 627.7011, Florida Statutes, accessed 1 October 2026.
122. FEMA: FEMA, Risk Rating 2.0, accessed 1 October 2026.
123. Collier County Public Schools: address search, accessed 1 October 2026.
124. CCPS attendance boundaries, accessed 1 October 2026.
125. Fox 4 News: Fox4, accessed 1 October 2026.
126. CCPS 2026 Accountability Brief, accessed 1 October 2026.
127. July 2025 grades message, accessed 1 October 2026.
128. Ave Maria Catholic Academy, accessed 1 October 2026.
129. avemaria.edu: Ave Maria University, accessed 1 October 2026.
130. Collier County RLSA overlay, accessed 1 October 2026.
131. Collier County SRA layer, accessed 1 October 2026.
132. Ave Maria Development, SRA amendment FAQ, April 2026, accessed 1 October 2026.
133. Collier County approved SSA layer, accessed 1 October 2026.
134. Gulfshore Business, June 2026, accessed 1 October 2026.
135. Ave Maria Development FAQ, October 2025, accessed 1 October 2026.
136. Collier County, Commissioner McDaniel town hall packet, January 2026, accessed 1 October 2026.
137. Collier County, June 2026, accessed 1 October 2026.
138. Collier County application requirements, accessed 1 October 2026.
139. Shutters, Doors, Windows (PRSD), accessed 1 October 2026.
140. Collier pools permit form, accessed 1 October 2026.
141. Work Exempt from Permit (PRAD), accessed 1 October 2026.
142. Ave Maria Sun, December 2024, accessed 1 October 2026.
143. Ave Maria Utility Company, accessed 1 October 2026.
144. Barron Collier Companies, May 2022, accessed 1 October 2026.
145. Ave Maria Development, November 2025, accessed 1 October 2026.
146. Lennar, The National Golf and Country Club, accessed 1 October 2026.
147. Ave Maria Sun, January 2024, accessed 1 October 2026.
148. Ave Maria Sun, Avalon Park profile, 2023, accessed 1 October 2026.
149. s. 201.02, Florida Statutes, accessed 1 October 2026.
150. Florida DBPR license portal, accessed 1 October 2026.
151. bluezones.com: Blue Zones, accessed 1 October 2026.
152. Collier County Tax Collector, accessed 1 October 2026.
153. Ave Maria seasonal events, accessed 1 October 2026.
154. Ave Maria Development: Ave Maria golf, accessed 1 October 2026.
155. Florida Department of Revenue, accessed 1 October 2026.
156. FAA, certificated remote pilots, accessed 1 October 2026.
157. irs.gov: IRS Topic 701, accessed 1 October 2026.

Downloadable Documents

These are the primary documents behind the Silverwood fee, district and rules sections, each linked at its official source. Request the full disclosure package, including the estoppel certificates, from the associations before you sign a contract.

• Ave Maria Stewardship Community District, bond balance and assessment information by parcel (good through 31 October 2026)
• Ave Maria Stewardship Community District, final budget fiscal year 2026-2027 (adopted 4 August 2026)
• Ave Maria Stewardship Community District, Series 2022A Limited Offering Memorandum (planned units by Silverwood phase)
• Declaration of Covenants for Maple Ridge at Ave Maria (Official Records Book 4958, Page 857), posted by the HOA
• Maple Ridge at Ave Maria HOA, Rules and Regulations
• Collier County, 2026 Flood Protection Newsletter

Market data from Collier County Property Appraiser 2026 tax roll data files (recorded sales through July 2026), pulled October 2026.

McGreevy and Comisar, Best Realtor for Silverwood at Maple Ridge. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.