The Quarry - Ironstone

McGreevy and Comisar are the team Ironstone at the Quarry sellers call first, and the team its buyers call when they want the record rather than the brochure: what a ground-floor home actually sells for against an upstairs one, which side of the street the county values higher, how the condominium, Quarry association and district charges stack, what FEMA did with the buildings in 2013, and what the association has recorded against every roof and lanai since 2024. Ironstone at the Quarry is a 112-home condominium neighborhood inside the master-planned community of The Quarry in Naples, Florida. It is the largest of The Quarry’s four condominiums: 28 two-story buildings of four homes each on a single dead-end street, Ironstone Terrace, in the community’s northwest corner, built by Centex from 2009 to 2015, with a lake and golf holes behind one row of buildings and a wooded district tract behind the other. Jesse McGreevy and Marc Comisar lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012 and Top 1% of agents nationally since 2008.

This guide is built from the recorded Declaration of Condominium for Ironstone at The Quarry and its 20 recorded phase amendments, the Collier County Clerk’s index of all 689 documents recorded against the condominium, the Florida condominium register, the Quarry Community Association’s recorded declaration and rules, the Quarry Community Development District’s FY2027 budget and its address-by-address bond schedule, Collier County’s 2026 roll and qualified-sale files, FEMA’s effective and preliminary flood maps and its 2013 letter for Ironstone, the school district’s address lookup, and every Ironstone closing in the Southwest Florida MLS over the last twelve months. Where the public record stops, we say so and name the document that would answer the question.

If you own on Ironstone Terrace and are weighing a sale, start with the market snapshot and the seller section, then call Jesse. If you are buying, the floor-by-floor, building-by-building and fee-by-fee detail below will tell you whether Ironstone fits before you tour.

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

Why McGreevy and Comisar Are the Best Realtor for Ironstone at the Quarry

McGreevy and Comisar are the best realtor for Ironstone at the Quarry because the case is on the record: the #1 team in Southwest Florida since 2012, Top 1% of agents nationally since 2008, over $900 million in personal sales, and an Ironstone market read built on every recorded sale, the recorded declaration and the county’s unit-by-unit roll.

If you’re searching for the best realtor for Ironstone at the Quarry in The Quarry, Naples, whether you’re ready to sell your Ironstone at the Quarry 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.

That matters on Ironstone Terrace for a specific reason. Ironstone is two markets in one street. The ground-floor homes are the Crystal plan of about 1,654 square feet and the upstairs homes are the Tourmaline plan of about 2,297 square feet, and in the last year the ground floor recorded sales from $413,500 to $505,000 while the upstairs recorded $625,000 to $720,000. The county also values 14 of the 28 buildings, most of them on the lake side of the street, $25,000 higher per home than the other 14. A listing agent who prices an Ironstone home off a Quarry average, or off a Naples condo average, misses all of it.

Recent Ironstone at the Quarry track record (last 12 months): In the last 12 months we tracked 8 Ironstone closings across the Southwest Florida MLS (pulled September 26, 2026) and Collier County’s recorded-sale file, dated September 12, 2025 to September 21, 2026, from $413,500 to $720,000, $4,347,600 in total volume; the highest-priced Ironstone sale in that window was $720,000, an upstairs home. The five of those sales marketed through the MLS sold at a median of 92.56% of the final list price after a median of 106 days on market. The MLS report behind this page recorded prices, days on market and ratios, not the listing office on each closing, so we do not state a represented-sale count here; ask us and we will walk you through all eight sales one by one.

For Ironstone sellers: premium marketing, including cinematic video, drone, professional photography, a qualified-buyer database, and discretion with off-market capability when a sale needs to stay quiet. At Ironstone we also build the paperwork file before the first showing: the condominium estoppel, the Quarry Community Association estoppel, the district line from your own tax bill, your building’s flood facts and FEMA’s 2013 letter, and the status of your building’s 2024 reroof and 2025 lanai work, which is the first thing a buyer’s insurance agent asks about.

For Ironstone buyers: the first question is the floor, because the floor decides the plan and the price. The second is the side of the street, because the lake side and the preserve side carry different county values and different flood-map histories. The third is the fee stack. Sellers and buyers comparing the best real estate agents in Naples should ask each one to answer those three questions for a specific Ironstone Terrace 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 Ironstone at the Quarry home? Read how we sell Ironstone at the Quarry homes, get a free Ironstone at the Quarry home valuation or call Jesse direct at (239) 898-6072.

Buying a home in Ironstone at the Quarry? Call Marc at (239) 287-5873 for a personalized buyer consultation, or read our Ironstone at the Quarry buyer guide.

Key Takeaways: Ironstone at the Quarry at a Glance

Ironstone at the Quarry is The Quarry’s largest condominium and its entry point on price: 112 two-story condominium homes, 28 buildings, one street, one association, an optional golf club, a mandatory Quarry association with a Beach Club on Stone Lake, and a thin, floor-driven resale market. These nine facts carry most buying and selling decisions here.

• 112 homes, 28 buildings, one association. Every building holds four homes, two on the ground floor (units 101 and 102) and two upstairs (201 and 202), at 9504 to 9558 Ironstone Terrace, per Collier County’s roll and the Florida condominium register.
• Two plans, one per floor. The declaration names the downstairs home the Crystal (about 1,654 air-conditioned square feet) and the upstairs home the Tourmaline (about 2,297), excluding the lanai and garage.
• 8 recorded or closed sales in the last year, $413,500 to $720,000. Five ground-floor sales ran $413,500 to $505,000 and three upstairs sales $625,000 to $720,000 (Southwest Florida MLS and Collier County, September 2025 to September 2026).
• Slow and negotiated. The five MLS-marketed closings took a median of 106 days and sold at a median 92.56% of the final list price; none sold at or above list. Two upstairs homes were listed on September 26, 2026, at $639,500 and $709,000.
• With Silverstone, the entry price in The Quarry. Ironstone’s county 12-month median of $505,000 sits below Nautica Landing’s $739,500 and Quartz Cove’s $729,000, and above Silverstone’s two $450,000 ground-floor sales.
• District charge by building. For fiscal 2027, 52 Ironstone homes pay a Quarry CDD assessment of $1,272.81 and most of the rest about $2,427.48 or $2,625.19, on our reading of the district’s bond schedule.
• Flood: seven buildings at the south end sit in Zone AH on FEMA’s 2012 effective map; a 2013 FEMA letter removed a described portion of the condominium from the high-risk zone; FEMA’s 2025 preliminary map puts all 28 buildings outside it.
• Recorded building work: reroof notices for the buildings in July 2024 and under-truss lanai notices for all 28 buildings in December 2025, both filed by the association.
• Rules: leases of at least 30 days, no more than three a year and none in an owner’s first year (condominium and Quarry declarations); pets only with the board’s written permission. All ages are welcome.

Living in Ironstone at the Quarry as a Homebuyer

Living in Ironstone at the Quarry means a two-story condominium home of about 1,650 or 2,300 square feet with an attached garage, on a quiet cul-de-sac street with a lake and golf holes on one side and a wooded tract on the other, inside The Quarry’s gate, with its Beach Club, boating lakes and optional golf club a short drive away.

Ironstone is where most buyers first enter The Quarry. The least expensive single-family resale in the last year recorded at $820,000, just above Ironstone’s top sale, and the single-family line runs to $3 million and more; Ironstone gives a buyer The Quarry’s gate, lakes and Beach Club at a median recorded sale of $501,050, about $319,000 less, with the roof, the paint and the landscaping left to an association. What follows is what daily life on Ironstone Terrace looks like, drawn from the recorded documents, the county’s records and federal aerial imagery.

What Is Ironstone at the Quarry?

Ironstone at the Quarry is a condominium: each home is a unit in “Ironstone at The Quarry, a Condominium,” declared by Centex Homes on March 2, 2009, and each owner holds an equal undivided share of the common elements and one vote in the association (Declaration of Condominium, OR 4431 PG 2527, sections 8.1 and 9.1). The declaration describes the plan as “one hundred twelve (112) Homes in twenty eight (28) phases which are each to contain a two (2)-story residential Building with four (4) Homes each with attached garage” (section 4.23). The Florida condominium register lists the project with 112 units, recorded March 2, 2009 (DBPR condominium extract, Central West region).

One Street, 28 Buildings

All 112 homes are on Ironstone Terrace, a single dead-end street that ends in a cul-de-sac. The county numbers the buildings 1 to 28: Buildings 1 to 13 run south along the east side from 9504 to 9554 Ironstone Terrace, Building 14 (9558) sits at the cul-de-sac, and Buildings 15 to 28 run back north along the west side from 9557 to 9505 (Collier County site address points). Each building has two ground-floor homes, units 101 and 102, and two upstairs homes, units 201 and 202, and the county’s legal descriptions carry the building and unit together, for example “Bldg 1-101.”

The Lake Side and the Preserve Side

The two sides of the street look out on very different things. Behind the west-side buildings is a long lake with Quarry Golf Club holes beyond it; the county roll shows golf-course tracts owned by Quarry Golf Club, Inc. on that side. Behind the east-side buildings is a 19.6-acre wooded tract, Quarry Phase 2 Tract P2, owned by the Quarry Community Development District (Collier County DOR parcel layer, 2026). The federal aerial at the top of this page, rotated so the street runs left to right with north at the left, shows both: woodland along the top edge, the lake and fairways along the bottom (USDA NAIP imagery via USGS The National Map). The lakes are not condominium property; the declaration says they are owned by the district (section 19.2).

Who Owns at Ironstone?

About one Ironstone home in three is a homesteaded primary residence; the rest are second homes, rentals or otherwise not homesteaded. In the county’s 2026 preliminary roll, 39 of the 112 homes (34.8%) carry a homestead exemption, 18 of the 56 ground-floor homes and 21 of the 56 upstairs homes. Owners’ mailing addresses tell the same story: 52 are in Florida, 9 in Canada and one in the United Kingdom, and the most common out-of-state addresses are Michigan (9), Pennsylvania, New Jersey and New York (8 each), Massachusetts (6) and Illinois (5) (Collier County 2026 preliminary roll data files). In plain terms, most buyers join a building of largely seasonal neighbors.

A Day on Ironstone Terrace

An Ironstone day starts at The Quarry’s gate, where owners enter by transponder, then a drive through the community to the northwest corner and onto Ironstone Terrace, a street with no through traffic. You park in your own garage, which the declaration makes part of your home (section 5.4). Upstairs owners reach their floor from a ground-level entrance by an interior stair, as the declaration’s building survey draws it. The Beach Club on Stone Lake is the community’s pool, fitness, courts and dining center; golfers who join the optional Quarry Golf Club have the course behind the west-side buildings. The declaration also records an easement letting golfers retrieve errant balls from the exterior common areas (section 12.8), which is the other side of living on the golf side.

What Ironstone Does Not Have

Ironstone has no pool or clubhouse of its own, no private docks, no yards and no elevators. The condominium property is the buildings, driveways, covered entries, landscaping and sprinklers; the pools and courts are the Quarry association’s at the Beach Club. The declaration bars motor homes, trailers, boats, campers and commercial vans or trucks unless they are kept fully inside a garage (section 17.12). If you want a private pool, a dock or a yard, look at The Quarry’s single-family homes.

One Association, Not Several

Unlike some condominium lines in North Naples that split one product across several associations, Ironstone is one condominium with one association: Ironstone at The Quarry Condominium Association, Inc., a Florida not-for-profit corporation filed June 12, 2006 (document N06000006330), whose Department of State filing certificate is bound into the declaration as Exhibit C (Florida Division of Corporations, “IRONSTONE AT THE QUARRY” search). It adopts one budget, carries one master insurance program and enforces one declaration for all 112 homes.

Ready to Sell or Buy on Ironstone Terrace? Talk to the Team That Read the Whole Declaration

Ironstone at the Quarry owners can get a free Ironstone at the Quarry home valuation priced against the same floor, plan and side of the street, not The Quarry average, or call Jesse direct at (239) 898-6072. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008 and the #1 team in Southwest Florida since 2012. Buyers comparing Ironstone with Silverstone, Nautica Landing or Quartz Cove can call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida. One page fact to start with: in the last year every ground-floor Ironstone sale was below $506,000 and every upstairs sale above $624,000.

Ironstone at the Quarry Market Snapshot: What Ironstone Homes Actually Sell For

Ironstone at the Quarry recorded or closed eight sales between September 12, 2025 and September 21, 2026, from $413,500 to $720,000. Five were ground-floor Crystal homes at $413,500 to $505,000 and three were upstairs Tourmaline homes at $625,000 to $720,000. Eight sales is a thin sample, so we list them rather than lean on one median.

Data updated: September 2026 (Southwest Florida MLS pulled September 26, 2026; Collier County sale and roll files dated August 29, 2026)

The Ironstone market is small because the product is small and slow to turn: 112 homes, of which roughly one in fourteen changed hands in the last year. That makes every sale a comparable, and it makes the difference between a ground-floor and an upstairs home, or between an original and a renovated interior, larger than any market-wide trend. Below are the sales, how the MLS and the county each recorded them, what is for sale now and how prices have moved since Centex’s first closings in 2009.

Every Ironstone Sale in the Last 12 Months

We tracked every Ironstone sale in two records and matched them by unit and date: the Southwest Florida MLS (Development THE QUARRY, closed within 365 days, pulled September 26, 2026) and Collier County’s qualified-sale file (recordings through June 4, 2026 for Ironstone). Two of the eight were entered in the MLS after the fact rather than marketed through it, one was recorded before the MLS window opened, and one closed after the county file’s cut-off.

Dates are county recording dates where the county has the sale and MLS closing dates otherwise; the per-square-foot figures use the county’s base area, which matches the declaration’s plan sizes. The eight prices total $4,347,600. The median of eight is the mean of the fourth and fifth prices, $501,050, a figure no single sale hit, so we lead with the floor split instead.

Ground Floor and Upstairs: Two Markets

• Ground floor, Crystal plan, 1,654 square feet: five sales at $413,500, $460,000, $495,000, $497,100 and $505,000; median $495,000, about $299 per square foot.
• Upstairs, Tourmaline plan, 2,297 square feet: three sales at $625,000, $632,000 and $720,000; median $632,000, about $275 per square foot.

The upstairs home costs about $137,000 more at the medians for 643 more square feet, which is the normal pattern for a larger home: more dollars, fewer dollars per foot. The one upstairs MLS closing was listed as three bedrooms, a den and two and a half baths; the ground-floor MLS closings as two bedrooms, a den and two baths.

What the MLS Says About Speed and Negotiation

The five Ironstone closings marketed through the MLS give the only days-on-market and sale-to-list figures we have.

Medians here are medians of the individual sales, and the per-square-foot and sold-to-list figures are medians of each sale’s own ratio, not ratios of totals. Sold-to-list is measured against the last asking price, so any earlier reductions are not in it. By comparison, all 48 MLS-marketed closings in The Quarry took a median of 59.5 days at 94.76% of final list over roughly the same year.

What Is for Sale on Ironstone Terrace Right Now

On September 26, 2026 the MLS showed two active Ironstone listings, both upstairs Tourmaline homes of 2,297 square feet: 9536 Ironstone Terrace #202 at $639,500 after 173 days, and 9513 Ironstone Terrace #202 at $709,000 after 258 days. Two listings against five MLS closings a year is about 4.8 months of supply, against 2.5 months for The Quarry as a whole. No ground-floor home was listed that day.

Wider Windows: 24, 36 and 60 Months

Because one year of Ironstone sales is thin, we widened the county window until it held ten or more sales.

The 24- and 36-month medians run higher than the 12-month figure because the mix changed, not only the prices: the longer windows add three upstairs sales from June 2024 to April 2025 ($555,000, $805,000 and $775,000), while the last 12 months were mostly ground-floor sales. Read the floor, not the headline.

Ironstone Prices Over Time, 2009 to 2026

Median qualified sale price per calendar year, from Collier County’s sale file (sale counts are small and vary by year):

The Ironstone ground floor roughly doubled from 2020 to its 2022 to 2023 peak near $570,000 and has since come back to about $495,000 on the recorded sales; the upstairs peaked near $790,000 in 2022 and recorded $625,000 to $720,000 in the last year. Those are recorded prices only, with no list-side information. Over the whole history the county recorded 201 qualified Ironstone sales from 2009 to June 2026, and 35 of the 112 homes changed hands at least once from 2021 on.

What the County Says an Ironstone Home Is Worth

The 2026 preliminary roll values Ironstone in four flat steps, by floor and by building.

The county does not publish its reason on the parcel record. Thirteen of the fourteen higher-valued buildings are on the west side, where the homes back onto the lake and golf course, so we read the $25,000 step as a view and location premium; it is our reading, not the county’s statement. County value is an assessment figure and runs below recent sale prices here. The median ad valorem tax on the preliminary roll is $4,016.06 for the 73 homes without a homestead exemption and $3,227.70 for the 39 with one, at about 9.40 mills; a buyer’s tax resets toward the purchase price (Fla. Stat. 193.155).

What Ironstone Sold For New, 2009 to 2015

Centex’s first sales of each home, as recorded by the county, ran from $198,400 (a ground-floor home at 9516 Ironstone Terrace in June 2010) to $361,300 (an upstairs home at 9521 Ironstone Terrace in April 2009). The first closings were in Buildings 1 and 23 to 28 in the spring of 2009; the last building to sell out, Building 10 at 9542, closed its first sales in February and March 2015. A ground-floor Ironstone home bought new near $220,000 in 2010 recorded between $460,000 and $505,000 in the last year.

Our Read of the Ironstone Market

Ironstone is a buyer’s market in September 2026 in a way the rest of The Quarry is not: a 106-day median, no sale at or above list in a year, and upstairs listings sitting for five and eight months. The ground-floor homes still sell when they are priced to the ground-floor sales; the $413,500 closing in September 2026 shows what happens at the bottom of the range. We price an Ironstone home against the same floor and plan first, then adjust for the side of the street, the interior, the building’s flood-map facts and whether the roof and lanai work on that building is finished and paid for.

First-Hand: What We Check Before We Price an Ironstone Home

Before we put a number on an Ironstone home we pull five things: the floor and plan from the county roll (ground floor 1,654 or upstairs 2,297 square feet), the building number and side of the street, the association’s estoppel with its current budget and any special assessment for the 2024 reroof or the 2025 lanai work, the building’s FEMA zone on the effective and preliminary maps, and the district line on the owner’s tax bill. Those five items answer most of what an Ironstone buyer’s lender, insurer and attorney ask in the first two weeks of a contract.

Selling on Ironstone Terrace? Get a free Ironstone at the Quarry home valuation or call Jesse direct at (239) 898-6072. Buying one? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008.

How Did Ironstone at the Quarry Come to Be?

Ironstone at the Quarry came to be as Centex Homes’ carriage-home line in the northwest corner of The Quarry, declared as a 28-phase condominium on March 2, 2009 and completed building by building through February 2015. The association, incorporated in 2006, runs all 112 homes today.

The story matters to a buyer for two reasons. It explains why every Ironstone home has the same two plans but different build years, and it dates the buildings, which is what an insurer, a lender and Florida’s condominium laws care about.

Centex, The Quarry and the Heritage Bay Plan

The Quarry was developed by Centex Homes on a former Florida Rock limerock mine inside the 2,562-acre Heritage Bay planned unit development, zoned by Collier County Ordinance 03-40 (Heritage Bay PUD, Ordinance 03-40). The Quarry Community Development District was established by Collier County Ordinance 04-53 on Centex’s petition (Ordinance 04-53). The Ironstone declaration names Centex Homes, a Nevada general partnership, as developer of both Ironstone and The Quarry (sections 4.18 and 10.1). The full community story is in our guide to The Quarry.

A Phase Condominium, Declared in 2009

Centex declared Ironstone under Section 718.403 of the Condominium Act as a phase condominium: Phase 1 was submitted when the declaration was recorded, and “Phases 2 through 28” were to be added by amendment as each building was finished (declaration sections 3, 4.40 and 6.1; Fla. Stat. 718.403). Each phase is one building of four homes, which is why every Ironstone unit number carries its phase, “1-101” for the first ground-floor home in Phase 1. The 165-page declaration was prepared by the Naples office of Ruden McClosky and recorded as OR 4431 PG 2527 (Collier County Clerk).

Built Building by Building, 2009 to 2015

The Clerk’s index shows phase amendments recorded as buildings were completed, certified first by WilsonMiller and later by Stantec:

The index shows further developer amendments in July 2014 (OR 5055 PG 2746) and December 2014 (OR 5104 PG 1010). Not every phase appears with its own amendment in the index searches we ran; the county roll’s year-built field fills the gap: 2009 for Buildings 1, 2 and 21 to 28, 2010 for Buildings 3 to 5 and 18 to 20, 2011 for Buildings 6 and 15 to 17, 2012 for Buildings 7 and 14, 2013 for Buildings 8 and 13, 2014 for Buildings 9, 11 and 12, and 2015 for Building 10. Construction ran from the entrance on both sides of the street toward the cul-de-sac.

Why Ironstone Took Six Years

Ironstone was declared in March 2009, at the bottom of the housing crash, and the build pace followed the market: ten buildings finished in 2009, six in 2010, then one to four a year until the last in 2015. Centex’s parent was acquired by PulteGroup in August 2009, and Pulte Mortgage appears as a lender on an Ironstone loan modification recorded in 2011 (Collier County Clerk Official Records index). Every Ironstone phase amendment through 2015 still names Centex Homes as declarant.

What the Developer Promised in 2009

Two dated promises in the declaration are history, not today’s figures, but they explain the association’s start. Centex guaranteed that the association’s own neighborhood assessments would not exceed $2,000.00 per quarter through December 31 of the recording year, with the right to extend in six-month periods (section 21.2), and each first buyer from Centex paid a $500.00 working-fund contribution to the association (section 21.3). Neither amount says anything about what the association charges in 2026.

The Homes: Crystal and Tourmaline Floor Plans at Ironstone

The homes at Ironstone at the Quarry come in two plans named in the recorded declaration: the Crystal, a downstairs home of about 1,654 air-conditioned square feet, and the Tourmaline, an upstairs home of about 2,297, each with an attached garage, a lanai and a covered entry, in two-story buildings of four homes.

The Two Plans at a Glance

Sources: declaration section 6.1.3 (OR 4431 PG 2527); Collier County 2026 preliminary roll; Southwest Florida MLS rows for the 2025 to 2026 closings. The declaration reserved the right to build downstairs homes from 1,324 to 1,984 square feet and upstairs homes from 1,838 to 2,756, but the county records every Ironstone home at one of the two planned sizes.

How the Buildings Work

Each Ironstone building is two stories with four homes. The declaration’s building survey draws a shared entry court in the middle of the ground floor, the two ground-floor homes on either side, an entrance and interior stair to each upstairs home, and every home’s garage at ground level. The garage is part of the home, not a limited common element, and may not be converted to living area, storage, a workshop, a recreation room or business use (sections 5.4 and 17.13). Driveways, sized for one parked vehicle in front of each garage, and covered entries are limited common elements the association maintains (sections 5.3.3 and 5.3.4).

Who Maintains What

The maintenance split is the part of the declaration an Ironstone buyer should read twice. The association maintains, repairs and replaces the common elements, including the driveways, the landscaping and sprinklers and the exterior surfaces of the buildings, and paints the lanai walls and the outside of the garage doors (sections 5.3.1, 5.4 and 19.2.1). The owner maintains everything inside the home, the air-conditioning equipment (which sits on a limited-common-element pad beside the building), the water heater, appliances and cabinets, all window panes and screens, the exterior doors and their hardware, the garage door and its opener, and the lanai’s sliding doors and screening (sections 5.3.1, 5.3.2 and 19.1.1). Because windows and doors are the owner’s, an owner’s HO-6 policy and any wind-mitigation credit depend partly on them.

The Lanai

Every Ironstone home has a lanai, a limited common element assigned to that home. The owner maintains it, including sliding doors and screens, and owns any tile or other surface the owner adds; the association repairs construction-related lanai problems and paints the lanai’s exterior walls (section 5.3.1). The declaration forbids carpet on a lanai or exposed entry (section 17.14). In December 2025 the association recorded notices of commencement for “undertruss lanai” work on all 28 buildings, covered in the roofs and lanais section below.

Floors, Sound and the Upstairs Home

Because every upstairs home sits over a downstairs home, the declaration limits hard flooring upstairs: an owner may not install tile, wood or any covering other than carpet outside the bathroom, kitchen and breakfast area and laundry without the association’s written approval, and the association may require soundproofing underlayment (section 17.14). Ground-floor homes, which have no home below them, are not covered by that limit. A buyer planning to replace upstairs carpet with tile or wood should budget for the approval and the underlayment.

Built to the 2009 to 2015 Code

Every Ironstone building was completed from 2009 to 2015, after Florida’s statewide building code took effect in 2002, which matters for insurance. The county roll shows 40 homes built in 2009, 24 in 2010, 16 in 2011, eight in each of 2012 and 2013, 12 in 2014 and four in 2015. The declaration text we read does not describe the original windows or impact protection, and it requires the association’s written consent for any hurricane shutter (section 17.19), so the protection on a given home is a question for the seller’s wind-mitigation report.

Views: What Each Side of the Street Sees

The west-side buildings, 15 to 28, back onto a long lake with Quarry Golf Club fairways beyond it; the east-side buildings, 1 to 13, back onto the district’s wooded tract; Building 14 sits at the cul-de-sac with water to the south. Those are observations from the February 2023 federal aerial, not a view guarantee for a particular unit, and the declaration itself says there is “no guarantee of view” (section 17.22). Upstairs homes see more of either than ground-floor homes.

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

What Amenities Come With an Ironstone Home?

An Ironstone home comes with membership in The Quarry Community Association and use of everything it runs for all 900 Quarry homes: the gate, the Beach Club on Stone Lake with its pools, fitness center, courts and dining, and the recreational lakes and boatyard. Golf is not included; the Quarry Golf Club is a separate, optional purchase.

The Ironstone association itself owns no clubhouse or pool. What it looks after is the 28 buildings, the driveways, the covered entries and the landscaping along the street. The amenities are the Quarry association’s and, for golf, the club’s.

The Quarry Association Membership That Conveys With the Home

The Ironstone declaration makes every owner “automatically a member of and subject to assessment by” The Quarry Community Association under the community declaration (section 11.4.1), and The Quarry’s current Fifth Amended and Restated Declaration makes membership appurtenant to every lot and condominium unit (Fifth Amended and Restated Declaration, OR 6334 PG 347, section 5.1). What conveys with an Ironstone home, in plain terms: the Quarry association membership and use of its facilities under its rules. What does not convey: any golf membership, and any exemption from the buyer’s resale fee to the association.

The Beach Club on Stone Lake

The Quarry Beach Club at 8975 Kayak Drive is owned and operated by the Quarry association for every owner. The association describes “a resort pool, lap pool, fitness & wellness center, movement studio, tennis, pickleball, & bocce courts, recreational water activities, boating, and dining,” with an indoor dining room, a patio and the Q-Bar (Quarry Beach Club, about; Beach Club home page). It has its own rules (2019 Beach Club Rules and Regulations). Owners voted on February 24, 2021 to approve a Beach Club Renovation Project, financed in part by the portion of every buyer’s resale fee above $3,000 (Fifth Amended and Restated Declaration, section 12.12).

Boating on the Quarry Lakes

Ironstone owners can boat on The Quarry’s three recreational lakes, Stone Lake, Heritage Lake and Boulder Lake, under the association’s rules: powered boats up to 26 feet, a 40 mph limit, no wake within 150 feet of shore, a registration sticker, proof of Quarry ownership and a $1,000,000 liability insurance certificate (QCA Recreational Lakes and Docks Use Regulations, April 3, 2023). Private docks in The Quarry sit on lakefront homesites under the community declaration’s dock article (Article XVII); no Ironstone document we read gives a condominium home a private dock, and the lakes beside Ironstone are district property, so an Ironstone boater uses the association’s fenced boatyard, launch ramp and rented community slips. The association’s regulations name only those three lakes as recreational lakes; ask before assuming the lake behind your building is one of them.

Golf Is Optional

The Quarry Golf Club is not part of the community’s property, and owning an Ironstone home gives no right to use it; the golf club’s owner sets membership policy (Fifth Amended and Restated Declaration, Article XVI). The club is a Florida not-for-profit corporation, Quarry Golf Club, Inc., filed in 2015, with a Hurdzan and Fry par-72 course that hosted the PGA Champions Tour’s ACE Group Classic in 2010 and 2011 (Quarry Golf Club, club history). The club publishes no initiation or dues schedule; it sends a membership packet on request (Quarry Golf Club, membership). Trade press reports a member-approved course project scheduled for 2027 (Club + Resort Business).

What the District Maintains Around Ironstone

The Quarry Community Development District owns and maintains the lakes and the stormwater system, including the lake behind the west-side buildings, and owns the wooded tract behind the east-side buildings (Quarry CDD, about the district; Collier County roll). The Ironstone declaration confirms “the lakes depicted on the Site Plan are not a part of the Condominium Property” and are owned by the district (section 19.2). Where condominium property fronts water, the association maintains and irrigates the landscaping down to the water’s edge, and where it adjoins the golf club it irrigates the club’s land within 25 feet of the boundary (section 19.2.6).

What Ironstone Owners Do Not Get

No private pool, no private dock, no golf membership, no equity in any club and no Gulf access by boat: The Quarry’s lakes are closed freshwater lakes. The nearest Gulf beaches, Vanderbilt Beach and Delnor-Wiggins Pass State Park, are about 10 to 11 road miles from The Quarry’s entrance. For the full amenity picture see our guide to The Quarry.

What Are the Condo Association Fees at Ironstone at the Quarry?

Ironstone at the Quarry condominium association fees are not published. The association has no public website, and its budget, reserve schedule and insurance summary go to owners and to buyers under contract, not to the public. A buyer should get the current adopted budget, the reserve schedule and an estoppel certificate before signing.

We checked for public figures and found none from an official source. Figures on brokerage and portal pages were not used, because they are not the association’s own documents and they go stale each January.

How the Ironstone Assessment Is Built

The declaration builds each owner’s “Annual Assessment” from two pieces: the owner’s equal share of Ironstone’s own neighborhood expenses, and the owner’s share of the Quarry association’s assessments, which the Quarry association may have the Ironstone association collect on its behalf (sections 4.11 and 21.1.1). The annual assessment is payable quarterly in advance on the first day of January, April, July and October (section 21.1.2). So a quarterly Ironstone bill may include the Quarry association’s share; the estoppel will show how the current bill is split.

What the Ironstone Budget Pays For

Under the declaration, the association budget funds the operation, maintenance, repair and replacement of the common elements, including the exterior surfaces of the buildings, the driveways, the landscaping and sprinklers, the association’s insurance, the termite-baiting contract assigned by the developer, annual inspections of the areas the association maintains, management, and reserves (sections 4.33, 14, 19.2 and 19.3). The 2024 reroof and the 2025 under-truss lanai work were the association’s projects, recorded in its name.

Who Manages Ironstone?

The public record points two ways, so we give both with dates. The Florida condominium register lists the association “c/o Seacrest Southwest” at 1044 Castello Drive in Naples (DBPR condominium extract). The association’s 2018 notice of commencement was filed in care of Sentry Management, Inc. (OR 5483 PG 3178), Sentry Management is named on 2025 affidavits in the Clerk’s index, and the association’s 2024 and 2025 notices give its address as 1415 Panther Lane in Naples (OR 6536 PG 1457). Confirm the current manager when you request the estoppel.

How to Get the Real Number

Ask the seller for the association’s current annual budget, the reserve schedule, the most recent year-end financial statement and the insurance declarations, and request an estoppel certificate, which Florida law requires the association to issue and which states the regular assessment, any special assessment and any balance due (Fla. Stat. 718.116). Condominium sellers must also give buyers the declaration, bylaws, rules, the latest budget and the “Frequently Asked Questions and Answers” sheet (Fla. Stat. 718.503). Ask for the Quarry association’s estoppel too (Fla. Stat. 720.30851). We request all of it at listing so an Ironstone buyer sees it in the first week.

Ironstone Layered Fees: Condominium, Quarry Association, CDD and Tax

Ironstone ownership carries up to five layers of cost: the Ironstone condominium assessment, the Quarry Community Association assessment, the Quarry CDD assessment on the county tax bill, ad valorem property tax, and a one-time $6,500 resale fee the buyer pays at closing. Golf club dues apply only if you join.

Every Layer, Amount and Source

Where an amount is not published anywhere, we say so rather than estimate it. The condominium and Quarry association assessments are real, recurring and material; buyers get them from the estoppels, which Florida law requires the associations to provide during a sale.

The CDD Line for Your Building

The Quarry CDD bills every Ironstone home as “Coach” for its operating charge and adds a debt charge that depends on how much bond principal was attached to that home. For fiscal 2027 the Coach operating rate is $474.09, down from $761.93, after the district cut its operating budget from $904,533 to $652,390.78; the board adopted the budget and assessments 5-0 on August 10, 2026 (Quarry CDD agenda package with the August 10, 2026 minutes).

On our reading of the district’s address-by-address schedule from its 2020 bond refinancing, Ironstone homes fall into three main bands for fiscal 2027:

Method: the district’s 2020 refinancing impacts by address lists every Ironstone folio at one of five debt amounts, and each of the three common amounts sits exactly $86.86 above one of the FY2027 Coach debt bands, with home counts that reconcile across all 212 Coach homes. It is our reconciliation, not a district statement; the line on the owner’s tax bill is the authority for a specific home.

Why Two Neighbors Pay Different CDD Bills

The debt share attaches to the home, not the owner, so two identical Ironstone homes can carry different CDD bills. The later-built south-end buildings sit in the $1,272.81 band, while most of the earliest buildings carry the higher debt bands. At about $1,150 to $1,350 a year, that difference belongs in the price comparison between two otherwise similar homes. The district’s bonds are the Series 2020 refunding bonds, fixed at 1.94% with final maturity in 2036 (Quarry CDD FY2024 audit).

Property Tax and the Homestead Reset

Collier County’s 2026 preliminary roll puts about 9.40 mills on Ironstone homes (county 3.9293, school 4.1470 and other districts 1.3257). The median bill is $4,016.06 without a homestead exemption and $3,227.70 with one. A buyer’s assessed value resets toward market value after a sale, so budget from the non-homestead figure or from the purchase price (Collier County Tax Collector). The preliminary roll does not show the CDD in these figures; it appears separately on the November bill.

The Ironstone Declaration, Bylaws and Rules, Section by Section

The Ironstone declaration of condominium, recorded March 2, 2009 with its articles and bylaws attached, sets the rules that matter most to an owner: one vote per home, equal shares, a 30-day minimum lease three times a year, pets only with board permission, shutters only to association standards, and a detailed maintenance split. The Quarry’s community declaration sits on top of it.

The Governing Documents and Their Order

Three layers of recorded documents govern an Ironstone home. The Ironstone declaration, with the association’s articles of incorporation (Exhibit C) and bylaws (Exhibit D), governs the condominium (OR 4431 PG 2527). The Quarry’s community declaration, now the Fifth Amended and Restated Declaration of 2024, governs every home in The Quarry. The Heritage Bay umbrella declaration of 2006 (OR 3968 PG 4031) created a master association over Heritage Bay and The Quarry. Where they conflict, the Ironstone declaration says the community and master documents control, except that none may override the owners’ rights under Florida’s Condominium Act, and the stricter rule may still be enforced (section 11.4.4).

The Heritage Bay Umbrella Association

The Ironstone declaration names Heritage Bay Umbrella Association, Inc. as the master association (section 4.28). The state’s corporate records show that association administratively dissolved on September 26, 2025, and who now performs its shared duties over the spine road and surface water between Heritage Bay and The Quarry is not stated in any document we found. It does not change an Ironstone owner’s bills from the Ironstone and Quarry associations; we flag it because the declaration still refers to it.

Voting, the Board and Elections

Each home has one vote, cast by the person named on a voting certificate when a home has more than one owner or is owned by an entity (sections 9.1 and 9.2). Directors must be owners or their spouses, parents or children, and board elections are by written ballot, not proxy, as the Condominium Act requires (sections 9.4 to 9.6; Fla. Stat. 718.112).

Use Restrictions That Owners Notice

• Residential use only. No business visited by customers; a home office is allowed (section 17.1).
• Occupancy. No more than two people per bedroom as permanent residents, and no more than two per bedroom plus two overnight (section 17.1).
• Signs. No sign visible from the common elements or the street without the approval of the community declarant and the board (section 17.4).
• Vehicles. No motor homes, trailers, recreational vehicles, boats, campers or commercial vans or trucks unless kept fully inside a garage (section 17.12).
• Garages. Doors closed when not in use; no conversion to living space; no parking in the unassigned spaces while storing things in the garage (section 17.13).
• Garbage. Kept inside the garage in closed containers (section 17.10).
• Windows. No foil or reflective treatments; tint only with the association’s approval (section 17.7).
• Satellite dishes. Dishes of one meter or less are allowed, but not on the common elements (section 17.9).
• Hard flooring upstairs. Needs association approval and possibly soundproofing (section 17.14).

Changes to Your Home

An owner may not make structural changes without the written consent of the board and the community declarant, “which consent may be unreasonably withheld” (section 17.20). Painting, exterior fixtures, screens, screen doors, awnings, shutters and similar changes to anything the association maintains need the board’s written approval first (section 19.1.5). Any exterior change also goes through the Quarry association’s modifications process under the community declaration. Plumbing and electrical work inside a home must be done by licensed tradespeople authorized by the board (section 19.1.7).

The Owner’s Duties That Surprise Buyers

Three owner duties in the declaration surprise buyers. Each owner must keep the air conditioning running to hold the home at no more than 78 degrees, even when away, to control humidity and mold, and the association may enter to turn it on (section 19.1.1). Owners leaving for hurricane season must clear the lanai and name a caretaker satisfactory to the association (section 17.19). And owners must report leaks, mold and inoperable doors or windows in writing, or carry the resulting damage (section 19.1.1).

Insurance Under the Declaration

The association insures the condominium property as the Condominium Act requires, and every owner must carry hazard and liability insurance on the home under the same statute; the board may buy a master flood policy if it decides to or a lender requires it (sections 13.1, 14.1 and 14.2; Fla. Stat. 718.111). The declaration also lays out how insurance proceeds are applied after a loss to a home, to the common elements, or both (section 14.6). Ask for the association’s current insurance declarations: they show the wind deductible an owner may share after a storm.

Is Ironstone at the Quarry a 55+ Community?

Ironstone at the Quarry is not a 55+ community. Nothing in the recorded Ironstone declaration or The Quarry’s community declaration limits ownership or occupancy by age, and there is no housing-for-older-persons registration for The Quarry in the documents we read. Buyers of every age can own and live on Ironstone Terrace.

The owner profile is older and seasonal, which is not the same thing. About a third of Ironstone homes are homesteaded and 60 of 112 owners use a mailing address outside Florida. The Quarry Golf Club describes the majority of its own membership as couples nearing or in retirement (Quarry Golf Club, membership); that describes the club, not a rule. The schools that serve Ironstone are covered below.

Can You Rent Out an Ironstone Home?

You can rent out an Ironstone home, within two sets of rules. The Ironstone declaration allows leases of at least one month, no more than three times a calendar year, in writing, with a copy to the association before the tenant moves in; The Quarry’s community declaration adds that no home may be leased in the first year of ownership.

The Ironstone Rule

The declaration’s words: “A Home may not be leased for a period of less than one (1) month nor more than three (3) times per calendar year. All leases must be in writing, and a copy must be provided to the Association prior to commencement of the lease” (section 17.1). No part of a home may be rented separately, and no transient guests may be housed for compensation. A home owned by a company may be occupied by the person named on its voting certificate and that person’s family, and by the company’s qualifying tenants.

The Quarry Rule on Top

The Quarry association’s rules restate its declaration’s leasing section: no lease in the first year after an owner takes title, no lease shorter than 30 consecutive days, no more than three leases a year, an application with the fee at least 20 days before move-in, occupancy of no more than two adults per bedroom plus two, and a rider on the owner’s insurance naming the association as an additional insured. Tenants register at the management office and buy their own gate transponders and amenity cards (QCA Community Rules, April 25, 2022).

What That Means for an Investor

Ironstone works as a seasonal rental in 30-day or longer blocks, up to three a year, but not as a nightly or weekly rental, and not in the first year after purchase. A buyer who plans to rent should budget for a first year without rental income and ask the association whether the owners have amended the leasing section since 2009. Florida law applies a later amendment that restricts rentals only to owners who voted for it and to owners who buy afterward, so a buyer takes any such amendment already on record (Fla. Stat. 718.110).

Pet Rules at Ironstone at the Quarry

Pets at Ironstone at the Quarry need the board’s prior written permission. The declaration says no owner may keep a dog, cat or bird “without the prior written permission of the Board,” permission can be revoked, certain dog breeds are barred outright, and The Quarry’s community declaration caps every home at four common household pets.

The Ironstone Rule

The declaration’s animals section bars all pets unless the association’s rules or the community declaration allow them and the board gives written permission, which “may be revoked at any time in the sole discretion of the Board”; one permission is not blanket permission for another animal (section 17.5). Pit bull type dogs (American Pit Bull Terrier, American Staffordshire Terrier, Staffordshire Bull Terrier and dogs showing a majority of their traits), Presa Canarios and crosses of those breeds are never permitted, and exotic or venomous animals are barred. A dog that becomes a nuisance must be removed after written notice. Trained service animals are permitted.

The Quarry Rule

The Quarry’s community declaration allows up to four common household pets per home and bars pit bull types, Rottweilers, Mastiffs, Presa Canarios and their crosses community-wide (Fifth Amended and Restated Declaration, section 14.5). On Ironstone Terrace the stricter of the two rules applies: the four-pet cap and breed list, plus the Ironstone board’s written permission for each pet.

What to Ask Before You Buy With a Pet

Ask the association for its current pet rules and its permission form before you sign, and ask whether the board has adopted weight or number limits since 2009. Note that the Quarry association’s rules for tenants and the condominium’s rules can differ; a buyer who plans to lease should ask whether tenants’ pets are allowed.

Roofs, Lanais and Florida Condo Law at Ironstone

Roofs, lanais and Florida’s post-Surfside condominium laws come up in every Ironstone contract. The association recorded roof repair notices for 26 buildings in 2018, tile-to-tile reroof notices for the buildings in July 2024 and under-truss lanai notices for all 28 buildings in December 2025, and because every building is two stories, the milestone inspection and structural reserve study laws do not reach Ironstone.

The 2018 Roof Repairs

On March 6, 2018, the association recorded a notice of commencement for work described as “repairing 26 buildings,” with Everest Roofing, LLC as contractor and the association in care of Sentry Management as owner (OR 5483 PG 3178). The notice does not say what caused the repairs.

The 2024 Reroof

On July 31, 2024, the association recorded notices of commencement for a “tile to tile reroof,” one per building number, with Absolute Roofing of SWFL as contractor; we read the Building 1 notice for 9504 Ironstone Terrace (OR 6385 PG 1605). The Clerk’s index lists notices for 27 building numbers, with Building 13 twice and none indexed under Building 7 (OR 6385 PG 1578 is the first, for Building 28). A notice of commencement shows work was permitted to start, not that it finished; for a specific home, ask for the building’s roofing permit and final inspection and the roof date on the wind-mitigation report.

The 2025 Under-Truss Lanai Project

On December 16, 2025, the association recorded 28 notices of commencement, one for each building, for “Undertruss lanai” work by Ace Contracting of Florida, for example Building 1 (OR 6536 PG 1457) and Building 28 (OR 6536 PG 1456). On September 25, 2026 the association’s treasurer recorded a notice terminating the Building 4 notice, stating that all lienors had been paid (OR 6632 PG 2491). Whether the other 27 buildings are finished, and how the project was paid for, are questions for the association’s minutes and the estoppel.

Milestone Inspections and SIRS Do Not Apply

Florida’s milestone inspection law and the structural integrity reserve study requirement apply to condominium buildings of three or more habitable stories (Fla. Stat. 553.899; Fla. Stat. 718.112). Every Ironstone building is two stories, and Collier County’s milestone roster lists no building in The Quarry (Collier County milestone inspection map). The rest of the Condominium Act still applies in full, including reserves for roofs and paint unless owners vote to waive or reduce them, and the association’s duty to inspect annually under its own declaration (section 19.3.1).

The Insurance Dispute on Record

The Clerk’s index also shows a 2020 lawsuit by the association against its property insurer, American Capital Assurance Corp., in Collier County circuit court (case 11-2020-CA-001559). On December 22, 2020 the court treated the association’s first two counts as a motion to compel appraisal and granted it (OR 5865 PG 1990). The order does not describe the underlying loss. It is the kind of history a buyer’s attorney will want summarized in the association’s minutes.

Hurricanes, Flood Zone and Insurance at Ironstone at the Quarry

Ironstone at the Quarry sits about ten miles inland in Collier County’s Evacuation Zone E. On FEMA’s 2012 effective flood map, the address points of seven south-end buildings, 28 homes, fall in Zone AH and the other 84 homes in Zone X; a 2013 FEMA letter removed a described portion of the condominium from the high-risk zone; and FEMA’s 2025 preliminary map puts all 112 homes outside it.

Evacuation Zone and Storm Surge

An Ironstone Terrace test point falls in Collier County Hurricane Evacuation Zone E, the fifth of six zones, which evacuates only in the strongest storms (Collier County evacuation zones layer). The National Hurricane Center’s surge risk maps for neighboring Heritage Bay show no surge for Category 1 to 3 near-worst-case storms, under three feet above ground for Category 4 and more than six feet for Category 5; we apply that to The Quarry as the adjacent measurement, not a separate run (NHC storm surge risk maps).

The 2012 Effective Flood Map, Building by Building

We tested every Ironstone address point against FEMA’s National Flood Hazard Layer (effective panels 12021C0212H and 0216H, May 16, 2012) (FEMA NFHL flood hazard zones):

The AH buildings are the later ones at the south end of the street, built from 2011 to 2015. An address point test is not a structure or elevation test, and a Letter of Map Amendment overrides the map for the structures it covers.

FEMA’s 2013 Letter for Ironstone

On January 31, 2013 FEMA issued Letter of Map Amendment 13-04-1957A for “Ironstone at The Quarry, a Condominium (inclusive of all units),” as described in the recorded declaration. It removed a portion of the property, described by metes and bounds, from the special flood hazard area to shaded Zone X, citing a lowest lot elevation of 14.0 feet (NAVD 88) and ponding and overland flow as the flooding source, and it states that “portions of the property remain” in the high-risk area (FEMA LOMA 13-04-1957A). Which buildings lie inside the removed portion is a survey question we have not resolved; for a specific home, ask the seller for any elevation certificate and ask your lender whether it accepts the letter for that building.

The 2025 Preliminary Map

FEMA’s preliminary flood maps for Collier County, issued March 20, 2025, put every Ironstone address point outside the special flood hazard area: 24 homes in shaded Zone X and 88 in Zone X minimal (FEMA preliminary flood hazard layer). Preliminary maps are not effective until FEMA finalizes them; until then lenders use the 2012 map and any letter of map amendment. Florida requires sellers to disclose known flood history and flood insurance claims (Fla. Stat. 689.302).

Irma and Ian

Hurricane Irma in 2017 produced 108 flood insurance claims across ZIP 34120, and the federal claims data show 13 Irma claims and no Ian, Helene or Milton claims in the map grid cell containing Heritage Bay and The Quarry (OpenFEMA NFIP claims; NHC Irma report; NHC Ian report). The association’s 2018 roof repairs on 26 buildings followed the 2017 season; the notice does not name a cause.

Insurance for an Ironstone Owner

An Ironstone owner insures the inside of the home, the owner-maintained items and personal property on an HO-6 policy, and shares in the association’s master policy through the assessment (declaration sections 14.1 and 19.1). Collier County participates in FEMA’s Community Rating System at Class 5, which discounts flood premiums for policies in the county (Collier County floodplain management). A wind-mitigation inspection on the new roof and the owner’s windows and doors can lower the wind premium (Florida OIR uniform mitigation verification form). Get an insurance quote on the specific building during the inspection period.

Shutters and Storm Preparation

No hurricane shutter may be installed without the association’s written consent and its hurricane standards, which the board must adopt under Florida law and, under the declaration, provide to an owner within five business days of a request; shutters may be closed only after a hurricane watch covers Ironstone and must be opened within ten days after it ends (section 17.19; Fla. Stat. 718.113). Recent Clerk records show individual Ironstone owners filing notices of commencement that name hurricane-protection contractors in 2026, such as a unit in Building 12 in July 2026 (OR 6613 PG 467).

Which Schools Serve Ironstone at the Quarry?

Ironstone at the Quarry is zoned for Bear Creek Elementary School, Oakridge Middle School and Gulf Coast High School for the 2026 to 2027 school year, according to Collier County Public Schools’ own address lookup for 9504 Ironstone Terrace. Every Quarry address the district’s tool returned carries the same three schools.

The Three Zoned Schools

Source: Collier County Public Schools address lookup, 2026 to 2027 year. School zones can change year to year; confirm the assignment for your address with the district before you rely on it. The district reported an A grade for the ninth straight year in 2026 (Collier County Public Schools announcement).

Charter and Private Options Nearby

Naples Classical Academy, a public charter school at 10270 Immokalee Road, is about 1.8 road miles from The Quarry’s entrance. Charter schools admit by application rather than by address, so a home on Ironstone Terrace does not guarantee a seat.

County Permits and Recorded Work at Ironstone

County permits and recorded work at Ironstone at the Quarry show an association that has worked through its roofs and lanais since 2024 and owners who file their own notices for interior and storm-protection work. The Clerk’s index holds 689 documents recorded against the condominium from March 2009 to September 2026.

What the Clerk’s Index Holds

Source: Collier County Clerk Official Records, legal search for the Ironstone condominium, run September 26, 2026 (Collier County Clerk Official Records). The association’s own recorded liens and lis pendens against individual units from 2012 to 2018 are routine assessment collections; Florida law gives a condominium association a lien for unpaid assessments (Fla. Stat. 718.116).

Owner Work in 2026

Individual owners recorded notices of commencement in 2026 naming contractors such as Wind Safe Hurricane Protection, for a unit in Building 12, and Storm Smart Building Systems, for a unit in Building 13 (OR 6602 PG 2748). Any owner work that touches the exterior needs the Ironstone board’s written approval first (section 19.1.5).

Checking a Permit Yourself

A notice of commencement is recorded before work starts; the permit itself, its inspections and its final are in Collier County’s permit system under the property address. We did not pull permit finals for this guide. For a specific home, ask the seller or the association for the permit numbers and finals on the 2024 reroof and the 2025 lanai work for that building.

What Is Being Built Near Ironstone at the Quarry?

Near Ironstone at the Quarry, the changes that matter are road projects and The Quarry’s own district and golf work: a long-planned Collier Boulevard extension along the Heritage Bay zoning district’s western boundary, capacity work on Immokalee Road and I-75, district drainage projects, and a golf course renovation scheduled for 2027.

The Collier Boulevard Extension Right-of-Way

The Heritage Bay zoning ordinance dedicated a 100-foot right-of-way along the district’s western boundary for a future northward extension of Collier Boulevard, and the Collier Metropolitan Planning Organization’s 2050 long-range plan carries that extension as an unfunded need (Heritage Bay PUD; Collier MPO 2050 plan, chapter 4). Ironstone sits in the northwest corner of The Quarry, the part of the community nearest that boundary; we read the location from the parcel map, and an unfunded need is not a scheduled project.

Roads Around The Quarry

Immokalee Road east of Collier Boulevard carried about 55,000 to 60,000 vehicles a day in 2025 (Collier County 2025 traffic counts). The Vanderbilt Beach Road extension’s first phase opened in June 2026 as a parallel east-west route (Collier County, Vanderbilt Beach Road extension ribbon cutting), and FDOT plans work at the I-75 and Immokalee Road interchange (WGCU, I-75 improvement program).

Inside The Quarry

The Quarry CDD has lake-bank shoreline repairs, a system-wide yard-drain cleaning and a drainage project on Fieldstone Lane in its recent work (Quarry CDD minutes, June 8, 2026), and the golf club’s members approved a course renovation reported for April to December 2027, which will close the course behind the west-side Ironstone buildings for that period. For the full list see our guide to The Quarry.

Daily Logistics at Ironstone at the Quarry

Daily logistics at Ironstone at the Quarry run through The Quarry’s transponder gate, a garage that holds your car, your trash and anything with wheels you do not drive every day, a quiet cul-de-sac street, and a short drive out to Immokalee Road, Collier Boulevard and the shopping, hospital and county offices clustered at that corner.

Getting In and Out

Owners enter The Quarry by vehicle transponder; tenants buy their own devices and amenity cards at the association’s management office (QCA Community Rules). Ironstone Terrace is a dead-end street, so the only traffic on it is residents, guests and service vehicles.

Parking, Trash and Storage

Each home’s garage is its own, and the driveway in front of it is a limited common element sized for one car (section 5.3.4). The declaration keeps garbage inside the garage in closed containers (section 17.10), keeps boats, trailers, campers and commercial vehicles inside a garage or off the property (section 17.12), and forbids storing things in the garage while parking in the street’s unassigned spaces (section 17.13). Boaters store boats at the Quarry association’s boatyard.

Distances From The Quarry’s Entrance

Routes from the open-source OSRM router, free-flowing traffic, measured from The Quarry’s entrance (Project OSRM); season traffic runs longer, and Ironstone Terrace adds the drive across the community from the northwest corner. The Heritage Bay Government Services Center opened in 2022 with Clerk, Tax Collector and Property Appraiser services (Collier County Clerk, Heritage Bay satellite office).

Utilities and Services

Collier County provides water and sewer in The Quarry, the district handles stormwater and lakes, and the Quarry association handles recreational lake use and common landscaping (Quarry CDD newsletter, October 2024). Inside Ironstone, the association handles the building exteriors, driveways and landscaping, and each owner pays the separately metered utilities for the home (section 19.1.1).

How Does Ironstone Compare With Silverstone, Nautica Landing and Quartz Cove?

Ironstone at the Quarry is the largest of The Quarry’s four condominiums and, with Silverstone, the least expensive: its county 12-month median of $505,000 sits below Nautica Landing’s $739,500 and Quartz Cove’s $729,000. It shares its two floor plans with Silverstone and Nautica Landing and differs from them mainly in age, size, location and flood history.

Data updated: September 2026 (Collier County qualified sales recorded August 29, 2025 to August 28, 2026; 2026 preliminary roll; Southwest Florida MLS pulled September 26, 2026)

Every Quarry condominium owner pays into the same Quarry association and the same district, so the four condominiums differ in the building, the plan, the association’s own budget, the district’s debt band and the flood map. That makes The Quarry one of the few places where the price of a newer building, a bigger plan or a lake view can be read almost directly.

The Four Quarry Condominiums on One Yardstick

Sources: Collier County 2026 preliminary roll and qualified-sale file; Quarry CDD FY2027 budget. The county file is the one yardstick that covers all four the same way; MLS counts for Silverstone and Nautica Landing are two or three sales each. We assign each sale by the county’s parcel record: an $850,000 upstairs sale at 8783 Coastline Court in March 2026 sits in the Nautica Landing condominium on the roll, not Silverstone, and is counted there.

Ironstone and Nautica Landing

Nautica Landing is Ironstone’s closest twin in age and plans, built from 2011 to 2015 with the same 1,654 and 2,297 square foot homes, and it recorded far higher prices in the last year: four county sales from $692,500 to $850,000 against Ironstone’s $460,000 to $720,000. Nautica Landing is smaller (44 homes), newer on average, sits near the south end of The Quarry, and has its own 2025 and 2026 FEMA letters. See our guide to Nautica Landing at the Quarry.

Ironstone and Quartz Cove

Quartz Cove is The Quarry’s larger-plan condominium, 64 homes of 2,091 and 2,743 square feet near the Beach Club on Quartz Lane, billed by the district as “Luxury Coach.” Its five county sales ran $600,000 to $850,000. A buyer who needs more room than an Ironstone Tourmaline’s 2,297 square feet, but still wants an association to handle the exterior, looks there next. See our guide to Quartz Cove at the Quarry.

Ironstone and the Single-Family Homes

The Quarry’s least expensive single-family resale in the last year recorded at $820,000, and the county median for single-family homes was $1,395,000. The step from an Ironstone upstairs home to a single-family home on a 55-foot homesite buys a yard, room for a private pool and full control of the exterior, and adds the roof, the pool service and the hurricane preparation to the owner’s list. See The Quarry’s single-family homes.

Ironstone at the Quarry vs Silverstone at the Quarry: Which Should You Choose?

Ironstone at the Quarry vs Silverstone at the Quarry comes down to age and setting against price. Both sell the same 1,654 and 2,297 square foot two-story condominium homes; Ironstone’s buildings are three to ten years newer and sit on a quiet cul-de-sac between a lake and a wooded tract, while Silverstone’s 2005 and 2006 buildings recorded the lower prices in the last year.

Silverstone is Ironstone’s nearest rival because the buyers overlap completely: same floor plans, same Quarry association, same district class, same Beach Club, same optional golf. The table sets them side by side on the records.

Ironstone vs Silverstone Decision Table

Sources: Collier County 2026 preliminary roll and qualified-sale file; Southwest Florida MLS, September 26, 2026; Florida Division of Corporations, “SILVERSTONE AT THE QUARRY” search; Quarry CDD 2020 refinancing impacts by address; FEMA LOMA 12-04-5534A, Silverstone at the Quarry; FEMA LOMA 13-04-1957A, Ironstone. Full Silverstone detail is in our guide to Silverstone at the Quarry.

Why the County Values Silverstone Higher

The 2026 roll values every Silverstone home above the matching Ironstone home, $447,150 against $402,150 or $427,150 on the ground floor, even though Silverstone is older and recorded lower prices. The county does not publish its reasoning on the parcel record, and two Silverstone sales are too few to test it. We would not price either condominium from its county value; we price from the recorded sales on the same floor.

Who Should Choose Ironstone, and Who Should Choose Silverstone?

Choose Ironstone if you want a building from 2009 to 2015 rather than 2005 to 2006, a street with no through traffic, a lake-and-golf or woodland outlook, and the bigger pool of comparable sales that makes pricing and resale easier to read. Choose Silverstone if the lowest possible entry price into The Quarry matters most and you are comfortable with the oldest condominium buildings in the community. Either way, the two questions that decide the deal are the floor and the building’s roof, lanai and flood file.

Selling on Ironstone Terrace? Get a free Ironstone at the Quarry 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. We are Top 1% Real Estate Agents Nationally Since 2008, and we price both condominiums from their own recorded sales.

Honest Pros and Cons of Owning an Ironstone Home

Ironstone at the Quarry offers The Quarry’s gate, lakes and Beach Club at the community’s lowest price point, newer buildings than Silverstone, a quiet cul-de-sac and an association that has already worked through the roofs. The costs are a slow, negotiated resale market, unpublished condominium dues, a layered fee stack, stairs for upstairs owners and strict pet and shutter rules.

Pros

• Entry price. The least expensive way into The Quarry other than Silverstone, with ground-floor homes recorded from $413,500 to $505,000 in the last year.
• One quiet street. A dead-end street with a cul-de-sac and no through traffic.
• Views both ways. A lake and golf holes behind the west side, a district-owned wooded tract behind the east side.
• Newer than Silverstone. Built 2009 to 2015 under the post-2002 Florida Building Code.
• Recorded roof and lanai work. Reroof notices in 2024 and lanai notices in 2025, both filed by the association.
• No milestone or SIRS burden. Two-story buildings sit outside those laws.
• Lower district bill on the newer buildings. 52 homes carry the lowest FY2027 Coach CDD total of $1,272.81.
• Full Quarry amenities. Beach Club, boating lakes, boatyard and optional golf.

Cons

• Slow and negotiated. A 106-day median on market and a 92.56% median sold-to-list for MLS-marketed sales, with no sale at or above list in a year.
• Unpublished dues. Neither the Ironstone nor the Quarry association posts its assessment; you learn it from the estoppel.
• Layered costs. Condominium, Quarry association, district, tax, a $6,500 resale fee and optional golf.
• Stairs. Upstairs homes are reached by an interior stair, with no elevator.
• Rules. Board permission for every pet, association standards for shutters, approval for hard flooring upstairs, three leases a year and none in the first year.
• Flood file to read. Seven south-end buildings sit in Zone AH on the effective map until FEMA finalizes the 2025 maps, and the 2013 letter covers only a portion of the property.
• Golf course closure. The course behind the west side is reported to close for renovation from April to December 2027.

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

If you’re searching for an Ironstone at the Quarry listing agent, or thinking, ‘I need someone to sell my Ironstone at the Quarry home…’ you are selling into a market where buyers have time, two upstairs listings are already waiting, and every buyer’s agent will bring the last eight sales to the first showing. McGreevy and Comisar sell Ironstone homes on those facts.

Data updated: September 2026 (Southwest Florida MLS, pulled September 26, 2026; Collier County sale and roll files dated August 29, 2026)

Ironstone is a market where preparation decides the result: pricing to the right floor and side of the street, having the association’s documents and the building’s roof and lanai file ready, and presenting the home to the buyers who want The Quarry at its entry price. As the leaders of Domain Realty Group our team has closed over $2.5 billion in real estate, and Jesse McGreevy and Marc Comisar account for over $900 million in personal sales inside that number.

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

What Ironstone Sold For, Window by Window

In the last 12 months Ironstone at the Quarry has seen 8 resales across the MLS and the county record; the MLS report did not break out the listing office on each sale, so we do not state a represented count here. Because a single year is thin, the county window widens to 36 months to reach ten sales.

• Last 12 months, MLS and county, September 12, 2025 to September 21, 2026: 8 sales, $413,500 to $720,000, $4,347,600 in volume; ground floor $413,500 to $505,000, upstairs $625,000 to $720,000.
• Days on market, MLS-marketed sales, same year: median 106 (five sales).
• Sale-to-list, MLS-marketed sales, same year: median 92.56% of the final list price; none at or above list.
• Last 36 months, county qualified sales, August 29, 2023 to August 28, 2026: 10 sales, median $590,000 (even count, the mean of $555,000 and $625,000), $6,069,100 in volume.
• Today: two active listings, both upstairs, at $639,500 and $709,000.

Selling Into a Slow Market

With two upstairs homes already listed for five and eight months, an upstairs Ironstone seller is competing first with those two, and a ground-floor seller is competing with the $413,500 closing from September 2026. That favors a seller who prices to the recorded sales on the same floor and launches with the full file on day one, because the buyer who wants Ironstone specifically has little else to choose from once the overpriced listings are set aside. It does not reward an aspirational price: every recent sale in the MLS closed below its final asking price.

What Makes Selling an Ironstone Home Different

• Floor and plan. Price against the same floor; ground-floor Crystal and upstairs Tourmaline homes recorded about $137,000 apart at the medians.
• Side of the street. The county values 14 buildings, mostly on the lake side, $25,000 above the other 14.
• The roof and the lanai. The buyer’s insurer will ask for the 2024 reroof permit final and the roof date; the buyer’s attorney will ask about the 2025 lanai project and how it was paid for.
• Flood facts by building. Sellers in Buildings 9, 10, 11, 13, 14, 15 and 16 should have FEMA’s 2013 letter and any elevation certificate ready.
• The resale fee. The buyer pays the Quarry association’s $6,500 resale fee at closing, which a buyer’s agent will raise in negotiation.
• Signs. The declaration bars signs visible from the common elements without approval (section 17.4), so marketing runs online and through showings.

The Documents an Ironstone Buyer Will Ask For

• The Ironstone association’s budget, reserve schedule, insurance declarations and the “Frequently Asked Questions and Answers” sheet.
• The Ironstone and Quarry association estoppels.
• The district line from your tax bill.
• The roofing and lanai permit finals for your building.
• For the south-end buildings, FEMA letter 13-04-1957A and any elevation certificate.

What Is Your Ironstone at the Quarry Home Worth? Get a Free Valuation in 60 Seconds.

Start with a free Ironstone at the Quarry home valuation. It takes about a minute, and Jesse follows up with the Ironstone sales that fit your home: the same floor and plan, the same side of the street, adjusted for renovation, view and the condition of your windows, doors and air conditioning. An automated estimate cannot tell a ground-floor Crystal from an upstairs Tourmaline in the same building; the recorded sales put them about $137,000 apart. We price to it.

(239) 898-6072, text or call. Confidential conversations welcome. The full plan is on our Ironstone at the Quarry seller page.

Is now a good time to sell an Ironstone home?

For a well-prepared home priced to the same-floor sales, yes, but plan for time. The five MLS-marketed Ironstone sales in the last year took a median of 106 days. Listing in the fall puts an Ironstone home in front of the winter buyers who make up much of The Quarry’s demand, before the spring listings arrive.

How do I price a ground-floor home against the upstairs sales?

Against the ground-floor sales. The five ground-floor sales in the last year were 1,654 square foot homes at $413,500, $460,000, $495,000, $497,100 and $505,000; the three upstairs sales were 2,297 square foot homes at $625,000, $632,000 and $720,000. The $501,050 median of all eight mixes both floors.

Do I need the association’s approval to sell my Ironstone home?

The Ironstone declaration we read contains no board approval of a sale. The Quarry association requires its own closing documents and collects the buyer’s resale fee, and both associations issue estoppels. If you lease the home, the leasing rules apply to your tenant, not your buyer.

Who pays the Quarry association’s $6,500 resale fee?

The buyer, at closing, under section 12.12 of the Quarry’s community declaration: $6,500 for 2026 to 2030, $1,500 for a buyer moving from another Quarry home, and none for transfers to family, estate-planning trusts or heirs.

Can I sell my Ironstone home with a tenant in it?

Yes. The buyer takes the home subject to the lease unless the lease says otherwise. Showings need the tenant’s cooperation, so we set a schedule in writing at listing, and we confirm the lease meets the 30-day minimum and the three-leases-a-year limit.

Does the 2024 reroof help my sale?

Yes, if it is finished and documented. A final inspection on your building’s reroof permit answers the insurer’s first question and removes a pricing objection. If any special assessment for the roof or the lanai work remains unpaid, the estoppel will show it, and the contract should say who pays it.

Your Local Real Estate Experts

Ironstone at the Quarry 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 read the Ironstone declaration, its phase amendments, the Quarry’s community declaration, FEMA’s letter and every recent Ironstone sale before writing a word of this guide.

McGreevy and Comisar are the Domain Realty team behind this Ironstone at the Quarry 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 North Naples golf-community condominium market Ironstone sits in.

Between them that is more than twenty years of Southwest Florida transactions, and it is local in the literal sense: Jesse has lived in Estero since 2003, a short drive up I-75 from The Quarry. You can read the longer version of how the team was built on our about the McGreevy and Comisar team page.

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 an Ironstone page the credential that matters more is narrower than any award: we read the 165-page Ironstone declaration, its recorded phase amendments, every notice of commencement the association filed from 2018 to 2025, the Quarry’s restated declaration and rules, the district’s FY2027 budget and bond schedule, FEMA’s 2013 letter, and every Ironstone sale in the MLS and the county record before this guide was written. For current listings in The Quarry, including any Ironstone home for sale, see The Quarry homes for sale on DomainRealtyGroup.com.

What Our Clients Say

McGreevy and Comisar is a top-reviewed Ironstone at the Quarry realtor on Google, and 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.

★★★★★ “Their recommendation on pricing my unit was sound and proved prescient. I never questioned their integrity and found it easy to rely on their recommendations. I would work with them again in a heartbeat.” Charlie Carroll, verified Google review

★★★★★ “Not living in the area, Jesse made life easy for me when we decided to sell our condo. His attention to detail, patience, understanding, and tenacity in dealing with all the moving parts was truly impressive.” Eric Acra, 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 is one of the most down to earth realtors that really listens to your needs and is exceptional at finding the right house.” Ian Matheson, 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 an Ironstone at the Quarry home? Get a free Ironstone at the Quarry home valuation, or call Jesse direct at (239) 898-6072.

Buying at Ironstone at the Quarry? 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

License status for either name can be verified through the Florida Department of Business and Professional Regulation’s public licensee search, the authority of record for Florida real estate licensure.

Where Else to Find the Team

Video walkthroughs, market updates and community tours are published on McGreevy and Comisar on YouTube, and the team keeps a company page at McGreevy and Comisar on LinkedIn. For the wider market around Ironstone, see our guide to The Quarry and its other neighborhoods, Silverstone at the Quarry, Nautica Landing at the Quarry, Quartz Cove at the Quarry and The Quarry single-family homes, and next door, Heritage Bay and its Coach Homes.

Frequently Asked Questions, Buyer Edition

Ironstone at the Quarry buyers ask the same questions in roughly the same order: what Ironstone is, what it costs to own, what the rules allow and how exposed it is to storms and flood. Each answer below stands on its own and carries its source.

What is Ironstone at the Quarry?

Ironstone at the Quarry is a 112-home condominium of 28 two-story buildings on Ironstone Terrace in The Quarry, Naples, built by Centex Homes from 2009 to 2015. Each building has two ground-floor Crystal homes of about 1,654 square feet and two upstairs Tourmaline homes of about 2,297 square feet, each with an attached garage. One association, Ironstone at The Quarry Condominium Association, Inc., runs it.

Where is Ironstone Terrace in Naples?

Ironstone Terrace is in the northwest corner of The Quarry, a gated community off Immokalee Road east of Collier Boulevard in North Naples, ZIP 34120. The street runs south from its entrance to a cul-de-sac, with addresses from 9504 to 9558 Ironstone Terrace, per Collier County’s address records.

How many homes and buildings are in Ironstone?

There are 112 homes in 28 buildings of four homes each. The county numbers the buildings 1 to 28, and each building’s homes are units 101 and 102 on the ground floor and 201 and 202 upstairs. The total matches the recorded declaration, the Florida condominium register and the Quarry CDD’s billing.

Is Ironstone a condo or a townhome?

Ironstone is a condominium. Each home is a unit in “Ironstone at The Quarry, a Condominium,” and each owner holds an equal undivided share of the common elements and one vote in the association. The buildings look like large two-story houses, which is why the product is sold as carriage or coach homes, but the ownership is condominium under Chapter 718 of Florida law.

Who built Ironstone at the Quarry?

Centex Homes, a Nevada general partnership that also developed The Quarry, declared the condominium in 2009 and is the declarant on every recorded phase amendment through 2015. Centex’s parent was acquired by PulteGroup in 2009, during the Ironstone build.

What floor plans are at Ironstone?

Two: the Crystal, a downstairs home of about 1,654 air-conditioned square feet, and the Tourmaline, an upstairs home of about 2,297, both excluding the lanai and garage, per section 6.1.3 of the declaration. Recent MLS listings show the Crystal as two bedrooms plus a den and two baths and the Tourmaline as three bedrooms plus a den and two and a half baths.

Does every Ironstone home have a garage?

Yes. The declaration describes every building as four homes “each with attached garage” and makes the garage part of the home. It may not be converted to living space, storage, a workshop or business use, and the door must stay closed when not in use.

What do Ironstone homes sell for?

In the last year, ground-floor homes recorded or closed at $413,500 to $505,000 and upstairs homes at $625,000 to $720,000, across eight sales from September 2025 to September 2026 (Southwest Florida MLS and Collier County). The median of all eight is $501,050.

How long do Ironstone homes take to sell?

The five Ironstone sales marketed through the MLS in the last year took a median of 106 days, from 55 to 396 days, and sold at a median 92.56% of the final list price. The Quarry as a whole ran at a median 59.5 days.

What are the condo fees at Ironstone at the Quarry?

The Ironstone condominium assessment is not published. The association’s budget goes to owners and buyers under contract; ask for the current budget, reserve schedule and an estoppel certificate, which Florida law requires the association to issue. The assessment is billed quarterly and may include the Quarry association’s share.

What are the Quarry association fees for an Ironstone home?

The Quarry Community Association does not post its assessment publicly; it notices the budget to owners. Every Ironstone owner is a member and pays it, and the Ironstone declaration lets the Quarry association have Ironstone collect it with the condominium bill. The Quarry association’s estoppel states the current amount.

What is the CDD assessment for an Ironstone home?

For fiscal 2027, on our reading of the district’s bond schedule, 52 Ironstone homes pay $1,272.81, 29 about $2,427.48 and 29 about $2,625.19, with two homes at individual amounts. The operating part is $474.09 for every home; the rest is bond debt that attaches to the home. The owner’s tax bill shows the exact figure.

Is there a resale fee when I buy at Ironstone?

Yes. The Quarry’s community declaration charges the buyer a resale fee of $6,500 for transfers from 2026 to 2030, $7,500 after 2030, $1,500 for a buyer moving from another Quarry home, and nothing for family, estate-planning or inheritance transfers.

Is the Beach Club included with an Ironstone home?

Yes. The Beach Club on Stone Lake is owned and run by the Quarry Community Association for every owner, and every Ironstone owner is a member through the association, paying for it through the Quarry assessment.

Is golf included with an Ironstone home?

No. The Quarry Golf Club is a separate not-for-profit club, not part of the community’s property, and owning an Ironstone home gives no right to use it. The club publishes no fee schedule and sends a membership packet on request.

Can I keep a boat if I live at Ironstone?

You can boat on The Quarry’s recreational lakes and store a boat at the Quarry association’s boatyard, under its rules: boats up to 26 feet, registration, proof of ownership and a $1,000,000 liability certificate. Ironstone homes have no private dock, and the declaration bars keeping a boat or trailer on the street or driveway.

Can I rent out my Ironstone home?

Yes, with limits. The Ironstone declaration requires leases of at least one month, no more than three a calendar year, in writing with a copy to the association; The Quarry’s rules add no lease in the first year of ownership, a 30-day minimum, an application 20 days before move-in and an insurance rider naming the association.

Can I have a dog at Ironstone at the Quarry?

Only with the board’s written permission, which can be revoked. Pit bull types, Presa Canarios and their crosses are barred by the Ironstone declaration, and The Quarry’s declaration adds Rottweilers and Mastiffs to the barred list and caps every home at four common household pets.

Is Ironstone in a flood zone?

On FEMA’s 2012 effective map, the address points of seven south-end buildings (28 homes) are in Zone AH and the other 84 homes in Zone X. A 2013 FEMA letter removed a described portion of the condominium from the high-risk zone, and FEMA’s 2025 preliminary map puts all 112 homes outside it.

Do I need flood insurance at Ironstone?

A lender requires flood insurance for a home in the high-risk zone on the effective map unless a letter of map amendment covers the structure. For the seven south-end buildings, ask whether FEMA’s 2013 letter covers your building and whether the lender accepts it; for the others, flood insurance is optional but inexpensive outside the high-risk zone.

What hurricane evacuation zone is Ironstone in?

Collier County Hurricane Evacuation Zone E, the fifth of six zones, which evacuates only in the strongest storms. The Quarry is about ten miles inland.

Were the Ironstone roofs replaced?

The association recorded notices of commencement for a “tile to tile reroof” on its buildings on July 31, 2024, after recorded repairs to 26 buildings in 2018. A notice shows work was permitted to start; ask for your building’s permit final and roof date.

What is the Ironstone under-truss lanai project?

On December 16, 2025 the association recorded notices of commencement for “undertruss lanai” work on all 28 buildings with Ace Contracting of Florida. The Building 4 notice was terminated in September 2026 with the association stating all lienors were paid. Ask the association how the project was funded and whether any assessment remains.

Can I install hurricane shutters at Ironstone?

Only with the association’s written consent and to its hurricane standards, which the board must provide within five business days of a request. Shutters may be closed only after a hurricane watch covers Ironstone and must be opened within ten days after it ends.

Can I put tile or wood floors in an upstairs Ironstone home?

Only with the association’s written approval, outside the bathroom, kitchen and breakfast area and laundry. The association may require soundproofing underlayment. The limit applies to homes with another home below them, so it covers upstairs homes.

Does Ironstone need a milestone inspection or SIRS?

No. Florida’s milestone inspection and structural integrity reserve study requirements apply to condominium buildings of three or more habitable stories, and every Ironstone building is two stories. Collier County’s milestone roster lists no building in The Quarry.

What schools serve Ironstone at the Quarry?

Bear Creek Elementary, Oakridge Middle and Gulf Coast High for the 2026 to 2027 school year, per the Collier County Public Schools address lookup for 9504 Ironstone Terrace. Confirm your specific address with the district each year.

Is Ironstone at the Quarry a 55+ community?

No. Neither the Ironstone declaration nor The Quarry’s community declaration limits ownership or occupancy by age. Buyers of all ages can own and live there.

What is the difference between Ironstone and Silverstone?

Both sell the same 1,654 and 2,297 square foot two-story condominium homes in The Quarry. Ironstone has 112 homes built 2009 to 2015 on a dead-end street in the northwest corner; Silverstone has 56 homes built 2005 and 2006 on Coastline Court at the south end. Silverstone’s two recorded sales in the last year were $450,000 each.

Which side of Ironstone Terrace is better?

It depends on the view you want. The west-side buildings back onto a lake with golf holes beyond, and the county values 13 of them, plus the cul-de-sac building, $25,000 above the others. The east-side buildings back onto a district-owned wooded tract. Upstairs homes on either side see more.

What are property taxes on an Ironstone home?

On Collier County’s 2026 preliminary roll the median ad valorem tax is $4,016.06 for homes without a homestead exemption and $3,227.70 with one, at about 9.40 mills. A buyer’s assessed value resets after the sale, and the CDD assessment is added to the same bill.

How far is Ironstone from the beach?

Vanderbilt Beach is about 11 road miles and 20 minutes in free-flowing traffic from The Quarry’s entrance, and Delnor-Wiggins Pass State Park about 10 miles. Season traffic on Immokalee Road runs longer.

Frequently Asked Questions, Seller Edition

Ironstone at the Quarry sellers ask about value, timing, the paperwork an Ironstone sale needs and how the condominium, Quarry association and district charges are handled at closing. The answers below come from the recorded documents, the county’s records and the last twelve months of Ironstone sales.

What is my Ironstone home worth?

Most likely somewhere in the range of recent same-floor sales: ground-floor Crystal homes recorded $413,500 to $505,000 and upstairs Tourmaline homes $625,000 to $720,000 in the last year. Condition, renovation, the side of the street and the building’s roof and flood file move a home within that band. Get a free Ironstone at the Quarry home valuation and Jesse will follow up with the matching sales.

How long will it take to sell my Ironstone home?

Plan for three to four months if it is priced to the same-floor sales. The five MLS-marketed Ironstone sales in the last year took a median of 106 days, and two upstairs listings had been on the market 173 and 258 days on September 26, 2026. Overpriced listings sit longest.

Is it a good time to sell an Ironstone home?

It is a buyer’s market on Ironstone Terrace: 4.8 months of supply, no sale at or above list in a year and a median of 92.56% of the final list price. A seller who prices to the recorded sales and launches with a complete file still sells; one who tests the market usually reduces.

What did Ironstone homes sell for in the last 12 months?

Eight sales from September 12, 2025 to September 21, 2026: $413,500, $460,000, $495,000, $497,100 and $505,000 on the ground floor, and $625,000, $632,000 and $720,000 upstairs, $4,347,600 in all (Southwest Florida MLS and Collier County).

Why did an Ironstone home sell for $413,500 in September 2026?

That ground-floor home at 9516 Ironstone Terrace was listed at $449,700 and took 255 days to sell, closing at 91.95% of its final list price. The MLS row does not explain the price; it marks the current bottom of the ground-floor range, and every buyer’s agent will show it.

How do I price an upstairs home against the two active listings?

Against the three recorded upstairs sales first ($625,000, $632,000 and $720,000), then against the two upstairs listings at $639,500 and $709,000, which have not sold after 173 and 258 days. Pricing inside the recorded range, not the asking range, is what moves an upstairs home.

Does the lake side sell for more than the preserve side?

The county thinks so: it values 13 west-side buildings and the cul-de-sac building $25,000 per home above the other 14. The recorded sales are too few to measure a sale-price premium by side, so we adjust for view home by home rather than by a fixed amount.

Do I need the association’s approval to sell?

The Ironstone declaration we read has no board approval of a sale. The Quarry association requires its closing documents and collects the buyer’s resale fee, and both associations issue estoppels to the closing agent.

Who pays the $6,500 resale fee when I sell?

The buyer pays the Quarry association’s resale fee at closing under section 12.12 of the community declaration: $6,500 in 2026 to 2030, $1,500 for a buyer moving within The Quarry, and none for family, estate-planning or inheritance transfers.

What documents will my buyer ask for?

The Ironstone budget, reserve schedule, insurance declarations and the “Frequently Asked Questions and Answers” sheet; the Ironstone and Quarry estoppels; your tax bill’s CDD line; the roofing and lanai permit finals for your building; and, for the south-end buildings, FEMA letter 13-04-1957A and any elevation certificate.

How do the 2024 reroof and 2025 lanai work affect my sale?

Positively, if they are finished and paid. A final inspection on your building’s roof answers the insurer’s first question. If a special assessment for either project is unpaid, the estoppel will show it and the contract should say whether you or the buyer pays it.

Will a special assessment scare off buyers?

A disclosed, fixed special assessment with a payoff amount rarely stops a sale; an unknown one does. We get the estoppel at listing so the amount, the due dates and who pays are settled in the contract rather than discovered at closing.

Does the CDD assessment transfer to the buyer?

Yes. The district’s operating charge and the bond debt share attach to the home and appear on the county tax bill each November; the buyer takes over the bill after closing, with the year’s taxes and assessments prorated. The debt band on your home, $1,272.81 or about $2,427.48 or $2,625.19 for most Ironstone homes in fiscal 2027, is part of the buyer’s cost comparison.

Can I pay off the CDD bond before selling?

Ask the Quarry CDD’s district manager whether the bond share on your folio can be prepaid and for a payoff quote; the three Series 2020 tranches run to 2029, 2033 and 2036. Whether a payoff returns more than it costs depends on the price difference buyers will pay for a lower annual bill, which we can test against the comparable sales.

Do I have to disclose my flood zone?

Yes. Florida requires a seller to disclose known flood damage, flood insurance claims and federal flood assistance received, and your building’s flood zone is part of every buyer’s lender file. For the seven south-end buildings, give buyers FEMA’s 2013 letter and any elevation certificate with the disclosure.

Will FEMA’s 2025 preliminary map help my sale?

It helps the conversation: the preliminary map puts every Ironstone home outside the high-risk zone. Until FEMA makes it effective, lenders use the 2012 map and any letter of map amendment, so the effective zone still governs a buyer’s flood insurance requirement.

Can I sell with a tenant in place?

Yes. The buyer takes the home subject to the lease unless it says otherwise. We confirm the lease meets the one-month minimum and the three-leases-a-year limit, and we set the showing schedule with the tenant in writing.

Should I renovate before I sell?

Usually not a full renovation. Paint, lighting, flooring on the ground floor and a clean lanai return more than a new kitchen in a market negotiating below list. Upstairs flooring changes need the association’s approval and soundproofing, which adds time.

Should I stage my Ironstone home?

Yes, lightly. Most Ironstone buyers compare two plans in the same building type, so staging that shows the den as a usable room and the lanai as outdoor living separates your home from the listing next door.

Can I sell off-market or quietly?

Yes. We can market an Ironstone home privately to our buyer database and the agents who have shown Ironstone recently before, or instead of, a public listing. The declaration’s sign limits make Ironstone marketing mostly online and by appointment anyway.

I live out of state. Can I sell without coming back?

Yes. With 60 of 112 Ironstone owners mailing from outside Florida, remote sales are common: electronic signatures, a mail-away closing and a caretaker or lockbox arrangement for access. Ask the Quarry association how it wants gate transponders and amenity cards returned or transferred.

How do I sell an Ironstone home I inherited?

The heir or personal representative needs the probate or trust documents that give authority to sell, and the Quarry association’s resale fee does not apply to the inheritance transfer itself, though it does apply to the later sale to a buyer. We work with the estate’s attorney on timing and the association paperwork.

What do buyers’ inspectors look for in an Ironstone home?

The roof date and permit, the lanai ceiling and screens, the air-conditioning system’s age (the owner’s responsibility), the water heater, the windows and doors that the owner maintains, signs of moisture under the declaration’s mold clause, and, upstairs, the flooring and its underlayment.

How is an Ironstone sale priced against Silverstone?

Silverstone’s two recorded sales in the last year were ground-floor homes at $450,000 each, below Ironstone’s ground-floor range. Buyers shopping both will point to them; the answer is Ironstone’s newer buildings, street and views, supported by Ironstone’s own same-floor sales.

Which Ironstone homes sell fastest?

In the last year the fastest MLS sale was a ground-floor home at 9516 Ironstone Terrace, 55 days at 97.25% of list in November 2025. The slowest took 396 days. Price relative to the last same-floor sale, not the building or side, explained most of the difference.

Should I sell in season or in summer?

List in the fall to be ready for the winter buyers who drive much of The Quarry’s demand. With a 106-day median, a listing that starts in October is typically under contract by the height of season; a listing that starts in March may run into the summer.

What does it cost to sell an Ironstone home?

Beyond the brokerage fee, a seller typically pays Florida’s documentary stamp tax on the deed at 70 cents per $100 of price, title and closing charges customary for sellers in Collier County, any unpaid assessments, and the prorated share of the year’s taxes and CDD assessment. We give you a net sheet at listing.

What commission do you charge to sell an Ironstone home?

Commission is negotiable and set in the listing agreement; we will walk you through the options and the marketing each one includes. Call Jesse at (239) 898-6072.

What if my Ironstone home does not sell?

We review the pricing against every new same-floor sale and listing each month and change the plan in writing. In the last year every MLS Ironstone sale closed below its final asking price, so a price adjustment is common, and timing it early costs less than chasing the market.

Can I buy another Quarry home and sell my Ironstone home at the same time?

Yes, and The Quarry’s community declaration charges only $1,500 instead of $6,500 in resale fee when the buyer of your next home is moving from another Quarry home. We coordinate both closings so the dates and the association paperwork line up.

Does selling to a Canadian or foreign buyer change anything?

The buyer’s financing and insurance may take longer, but the Ironstone documents do not restrict foreign ownership. If you are the non-resident seller, federal withholding under FIRPTA may apply at closing; talk to your tax adviser before you list.

Who should I call to sell my Ironstone at the Quarry home?

Call Jesse McGreevy at (239) 898-6072. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008 and the #1 team in Southwest Florida since 2012, and we price Ironstone homes from the recorded same-floor sales and the building’s own file.

Sources and Authoritative References

Every Ironstone at the Quarry fact on this page comes from a recorded instrument, a state, county or federal record, the Quarry CDD, the Quarry Community Association’s or the golf club’s own published documents, or the Southwest Florida MLS, pulled September 26, 2026. The primary sources are grouped below by who issued them, numbered continuously.

Recorded Ironstone Instruments, Collier County Clerk Official Records

1. Declaration of Condominium, Ironstone at The Quarry, a Condominium, OR 4431 PG 2527 (March 2, 2009), with articles and bylaws
2. Amendment completing Phases 26 to 28, OR 4431 PG 2692 (March 2, 2009)
3. Amendment completing Phase 23, OR 4434 PG 2699 (March 12, 2009)
4. Amendment completing Phase 25, OR 4434 PG 2710 (March 12, 2009)
5. Amendment completing Phase 1, OR 4436 PG 2460 (March 19, 2009)
6. Amendment adding Phase 19, OR 4615 PG 1289 (October 18, 2010)
7. Amendment completing Phase 18, OR 4631 PG 3390 (December 10, 2010)
8. Amendment completing Phase 17, OR 4664 PG 396 (March 24, 2011)
9. Amendment completing Phase 16, OR 4709 PG 1024 (August 9, 2011)
10. Amendment, Phase 6, OR 4722 PG 835 (September 26, 2011)
11. Amendment completing Phase 15, OR 4727 PG 1940 (October 13, 2011)
12. Amendment completing Phase 7, OR 4762 PG 1116 (February 6, 2012)
13. Amendment completing Phase 14, OR 4844 PG 3531 (October 11, 2012)
14. Amendment, Phase 13, OR 4889 PG 521 (February 25, 2013)
15. Amendment completing Phase 8, OR 4915 PG 2585 (May 3, 2013)
16. Amendment completing Phase 12, OR 5051 PG 3321 (June 25, 2014)
17. Developer amendment, OR 5055 PG 2746 (July 8, 2014)
18. Amendment completing Phase 9, OR 5057 PG 834 (July 11, 2014)
19. Developer amendment, OR 5104 PG 1010 (December 16, 2014)
20. Amendment completing Phase 10, OR 5120 PG 3231 (February 13, 2015)
21. Notice of commencement, repairs to 26 buildings, Everest Roofing, OR 5483 PG 3178 (March 6, 2018)
22. Order compelling appraisal, association v. American Capital Assurance Corp., OR 5865 PG 1990 (December 22, 2020)
23. Companion order, OR 5865 PG 1988 (December 22, 2020)
24. Further order, OR 5875 PG 3424 (January 13, 2021)
25. Notice of commencement, tile-to-tile reroof, Building 1, OR 6385 PG 1605 (July 31, 2024)
26. Notice of commencement, reroof, Building 28, OR 6385 PG 1578 (July 31, 2024)
27. Notice of commencement, reroof, Building 14, OR 6385 PG 1592 (July 31, 2024)
28. Notice of commencement, under-truss lanai, Building 1, OR 6536 PG 1457 (December 16, 2025)
29. Notice of commencement, under-truss lanai, Building 28, OR 6536 PG 1456 (December 16, 2025)
30. Notice of commencement, under-truss lanai, Building 14, OR 6536 PG 1301 (December 16, 2025)
31. Notice of termination, Building 4 lanai work, OR 6632 PG 2491 (September 25, 2026)
32. Owner notice of commencement, hurricane protection, Building 12, OR 6613 PG 467 (July 24, 2026)
33. Owner notice of commencement, storm protection, Building 13, OR 6602 PG 2748 (June 24, 2026)
34. Collier County Clerk Official Records, legal search

The Quarry Community Association and the Golf Club

35. Fifth Amended and Restated Declaration of Covenants, Conditions and Restrictions for The Quarry, OR 6334 PG 347 (February 28, 2024)
36. QCA Community Rules and Regulations, April 25, 2022
37. QCA Recreational Lakes and Docks Use Regulations, April 3, 2023
38. QCA Beach Club Rules and Regulations, 2019
39. The Quarry Beach Club, home page
40. The Quarry Beach Club, about
41. QCA 2025 budget town hall notice
42. Umbrella Declaration for Heritage Bay, OR 3968 PG 4031
43. The Quarry Golf Club, home
44. The Quarry Golf Club, membership
45. The Quarry Golf Club, club history
46. The Quarry Golf Club, golf
47. Club + Resort Business, the Quarry’s golf course enhancement project

The Quarry Community Development District

48. Quarry CDD, about the district
49. Ordinance 04-53 establishing the Quarry CDD
50. Quarry CDD FY2027 budget and comparison of assessment rates
51. Quarry CDD FY2026 adopted budget
52. Quarry CDD September 14, 2026 agenda package with the August 10, 2026 minutes
53. Quarry CDD minutes, June 8, 2026
54. Quarry CDD FY2024 audit
55. Quarry CDD 2020 bond refinancing impacts by address
56. Quarry CDD newsletter, October 2024
57. Quarry CDD district map

State Records and Statutes

58. Florida DBPR condominium register extract, Central West region (Ironstone at the Quarry, 112 units)
59. Florida Division of Corporations, “IRONSTONE AT THE QUARRY” search
60. Florida Division of Corporations, “SILVERSTONE AT THE QUARRY” search
61. Florida Division of Corporations, “QUARRY COMMUNITY” search
62. Florida Division of Corporations, “HERITAGE BAY UMBRELLA” search
63. Fla. Stat. 718.403, phase condominiums
64. Fla. Stat. 718.116, assessments, liens and estoppel certificates
65. Fla. Stat. 718.503, disclosure to condominium buyers
66. Fla. Stat. 718.112, condominium bylaws and structural integrity reserve studies
67. Fla. Stat. 718.111, condominium insurance
68. Fla. Stat. 718.113, hurricane protection standards
69. Fla. Stat. 718.110, amendments restricting rentals
70. Fla. Stat. 553.899, milestone inspections
71. Fla. Stat. 720.30851, homeowners association estoppel certificates
72. Fla. Stat. 193.155, homestead assessment limitation
73. Fla. Stat. 689.302, flood disclosure
74. Fla. Stat. 201.02, documentary stamp tax on deeds

Collier County Records and Data

75. Heritage Bay PUD, Collier County Ordinance 03-40
76. Collier County site address points layer
77. Collier County DOR parcel layer, 2026
78. Collier County hurricane evacuation zones layer
79. Collier County milestone inspection buildings layer
80. Collier County floodplain management
81. Collier County Tax Collector, real estate taxes
82. Collier County 2025 traffic counts
83. Collier County, Vanderbilt Beach Road extension Phase I ribbon cutting
84. Collier MPO 2050 long range transportation plan, chapter 4
85. Collier County Clerk, Heritage Bay satellite office

Federal Flood, Storm and Imagery Data

86. FEMA Letter of Map Amendment 13-04-1957A, Ironstone at The Quarry (January 31, 2013)
87. FEMA Letter of Map Amendment 12-04-5534A, Silverstone at the Quarry
88. FEMA National Flood Hazard Layer, flood hazard zones
89. FEMA preliminary flood hazard layer
90. FEMA letters of map amendment layer
91. OpenFEMA NFIP claims
92. NHC storm surge risk maps
93. NHC tropical cyclone report, Hurricane Irma
94. NHC tropical cyclone report, Hurricane Ian
95. Florida OIR uniform mitigation verification form
96. USGS The National Map, NAIP imagery service

Schools, Roads and Routing

97. Collier County Public Schools address lookup
98. Collier County Public Schools, 2026 grades announcement
99. NCH locations
100. WGCU, I-75 improvement program, September 20, 2026
101. Project OSRM, open-source routing engine

Market data: Southwest Florida MLS, Residential, Development “THE QUARRY”, closed within 365 days and active, pulled September 26, 2026 in the team’s licensed MLS account; Ironstone rows identified by their Ironstone Terrace addresses. County sale, value and ownership figures: Collier County 2026 preliminary roll and qualified-sale files dated August 29 and 31, 2026. CDD bands by home: our reconciliation of the district’s 2020 schedule with its FY2027 budget.

Downloadable Documents

Ironstone at the Quarry’s key documents are public and free to download from the office that holds them. Each link below opens the issuing authority’s own copy: the Collier County Clerk for recorded instruments, the Quarry Community Association for its governing documents, the Quarry CDD for its budgets and FEMA for its letter.

The Ironstone association’s budget, reserve schedule and insurance declarations are not public documents; owners and buyers under contract get them from the association’s manager.

Market data from Southwest Florida MLS, pulled September 2026.McGreevy and Comisar, Best Realtor for Ironstone at the Quarry. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.