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What’s Your Riverstone Home Worth?

What’s Your Riverstone Home Worth?

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By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated October 2026 · Market data from the Southwest Florida MLS pulled September 15, 2026 and Collier County recorded sales through August 31, 2026

Selling a Riverstone home means selling one of 802 single-family homes in a gated North Naples community where the recorded rules ban For Sale signs, limit open houses to Sundays and send every buyer through an association application. This is Riverstone in North Naples, ZIP 34119, in unincorporated Collier County, not the Riverstone communities in Davie, Land O’ Lakes or Lakeland. Our Riverstone community guide covers the association, the amenities and the land; this page is the seller’s side of it, built from the Southwest Florida MLS and Collier County’s own records.

Here is the short version. The Southwest Florida MLS Matrix recorded 36 Riverstone closings in the 12 months to September 15, 2026, at a $927,500 median, 58 median days on market and a 94.78% median sold-to-list ratio, with 14 homes active, about 4.7 months of supply. Homes of the same size sold tens of thousands of dollars apart, so a Riverstone price starts with your plan, your lot and your condition, never with the community median. Before you set a price, read our Riverstone home valuation guide, and if you will buy after you sell, our guide to buying a Riverstone home. McGreevy and Comisar have been Top 1% Real Estate Agents Nationally Since 2008, and you can call Jesse direct at (239) 898-6072.

Why Sell Your Riverstone Home With McGreevy and Comisar?

McGreevy and Comisar list Riverstone homes by reading the recorded rules first: no For Sale signs, Sunday-only open houses, a buyer-paid capital contribution and a FEMA flood determination for every plat. We are Top 1% Real Estate Agents Nationally Since 2008, and we lead Domain Realty Group, the #1 team in Southwest Florida since 2012 and the #5 real estate team in Florida (RealTrends 2026).

With our Domain Realty Group team we have sold over $2.5 billion in real estate, and McGreevy and Comisar alone have over $900 million in personal sales. We tracked every one of the 36 Riverstone closings in the Southwest Florida MLS in the 12 months to September 15, 2026, and every qualified sale in the Collier County recorded file through August 31, 2026, before writing this page. If you are comparing listing agents across Naples, start with our guide to the best real estate agents in Naples. To get your number first, use the valuation form or Call Jesse direct at (239) 898-6072.

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 Riverstone’s own rules force on every listing

Riverstone is a community where the rulebook is part of the marketing plan, and a listing that ignores it loses weeks. Six recorded or published requirements shape every sale here, and each is explained with its source further down this page.

  • Written notice to the management office. The association asks owners to tell the office in writing when they plan to sell, so staff can assist during the sales process.
  • No For Sale sign, for any reason. The recorded Rules, Chapter 8, say so in as many words, and they allow open houses on Sundays only.
  • A sales application for your buyer. It goes in at least seven business days before closing, with a $100 non-refundable processing fee and the executed contract.
  • A buyer-paid capital contribution. Recorded Bylaws Section 9.8 sets it at twice the quarterly assessment, $3,030 at 2026 rates.
  • An estoppel certificate routed through the association’s resale document service rather than the office counter.
  • A flood answer with two halves. The effective FEMA map covers every parcel, and seven FEMA determinations take every one of the 802 homes out of the mapped hazard area.

A team that read the Riverstone record

We read the county tax roll for all 802 homes, the Southwest Florida MLS rows for 36 closings and 14 active listings, the Collier County recorded qualified sales, the 2016 Amended and Restated Declaration, the recorded Bylaws and Rules, the association’s own published pages, and the seven FEMA determination letters. That is the file your buyer’s agent, lender and insurer will assemble. We assemble it first, then price from it.

Selling in Riverstone? Call Jesse direct at (239) 898-6072 or use the valuation form. Buying your next home? Call Marc at (239) 287-5873 and see how we represent buyers.

Key Takeaways

These are the eight facts a Riverstone seller needs in October 2026, each from a dated record: the Southwest Florida MLS pull of September 15, 2026, Collier County’s recorded sales and certified roll, the association’s recorded documents, FEMA’s determinations and Florida law, all explained below.

  • 36 MLS closings in 12 months. Southwest Florida MLS Matrix, Development RIVERSTONE, 12 months to September 15, 2026: $927,500 median sold, 58 median days on market, 94.78% median sold-to-list, 14 active, about 4.7 months of supply.
  • 28 qualified recorded sales. Collier County Property Appraiser file, October 2025 to August 31, 2026: $910,000 median, $605,000 low, $2,225,000 high, all resales. Deeds and MLS closings are different records and this page never blends them.
  • Same size, different price. Six 2,081 sq ft homes sold from $605,000 to $800,000 and three 3,051 sq ft homes from $900,000 to $1,275,000 in the same MLS 12 months, so plan, lot position and condition set your price.
  • A negotiated market. The median list-to-sold gap was $50,000, and only 2 of the 36 closings sold at or above list.
  • No signs, Sundays only. Recorded Rules, Chapter 8: For Sale signs are not to be displayed for any reason, and open houses are permitted on Sundays only.
  • Association costs. $1,515 a quarter, $6,060 a year in 2026, a $100 sales application fee, and a buyer-paid capital contribution of $3,030 at 2026 rates.
  • Flood, both halves. The effective FEMA map places all 848 parcels in a Special Flood Hazard Area, and FEMA has issued one Letter of Map Amendment and six Letters of Map Revision based on Fill that remove all 802 homes from it.
  • Collier custom. The seller customarily pays deed stamps at $0.70 per $100 ($5,600 on $800,000, $8,400 on $1,200,000); the buyer customarily pays the owner’s title policy and chooses the closing agent. The contract controls.

What Is Selling in Riverstone Actually Like Right Now?

Riverstone is selling at a negotiated pace: 36 Southwest Florida MLS closings in the 12 months to September 15, 2026, a $927,500 median, 58 median days on market, a 94.78% median sold-to-list ratio and only 2 of 36 at or above list, with 14 homes active on the pull date, about 4.7 months of supply.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

The MLS numbers, closed and active

Measure, Southwest Florida MLS Matrix, Development RIVERSTONE Value
Closings, 12 months to September 15, 2026 36
Median sold price $927,500 (middle pair $920,000 and $935,000)
Median list price at sale $984,500
Sold price range and total volume $605,000 to $2,225,000, $36,970,000
Median days on market, closed 58 (range 0 to 319)
Median sold-to-list ratio 94.78% (range 87.61% to 100.00%)
Closings at or above list price 2 of 36
Median living area, closed 2,830 sq ft
Median sold price per MLS living sq ft $342.91
Active listings on September 15, 2026 14
Median list price, active $1,199,000 (range $719,900 to $2,195,000)
Median days on market, active 98
Months of supply 4.7 (14 active against 36 closings a year, 3.0 a month)

Source: Southwest Florida MLS Matrix, Development RIVERSTONE, closed 0 to 365 days and active, pulled September 15, 2026. With 36 closings the medians are the mean of a middle pair, which is why the middle values are printed beside them.

The same market by size band

MLS living area band Closings Median sold Sold range Median $ per living sq ft Median days on market Median sold-to-list
Under 2,400 sq ft 15 $720,000 $605,000 to $975,000 $345.99 53 96.78%
2,400 to 2,999 sq ft 3 $1,000,000 $935,000 to $1,100,000 $394.01 33 93.50%
3,000 to 3,499 sq ft 11 $995,000 $875,000 to $1,310,000 $324.74 69 94.74%
3,500 sq ft and over 7 $1,525,000 $1,200,000 to $2,225,000 $331.86 37 93.97%

Source: Southwest Florida MLS Matrix, Development RIVERSTONE, 36 closings in the 12 months to September 15, 2026. The 2,400 to 2,999 band holds only 3 closings, so read its median as three sales, not a trend.

Active listings against closings, band by band

Fourteen active listings against 36 closings is 4.7 months of supply for the whole community, but the months are not spread evenly. Counting the 14 active listings of September 15, 2026 by MLS living area, 5 were under 2,400 sq ft, 2 were from 2,400 to 2,999, 2 were from 3,000 to 3,499 and 5 were 3,500 sq ft or larger. Set against the closings above, that is about 4.0 months of supply under 2,400 sq ft, 2.2 months from 3,000 to 3,499 and 8.6 months at 3,500 and over; the 2,400 to 2,999 band, with 3 closings, works out to 8.0 months but rests on too few sales to lean on. The arithmetic is each band’s active count divided by its closings over 12 months.

What that means for you: a 3,000 to 3,499 sq ft home faces two competing listings, while a home of 3,500 sq ft or more faces five active neighbors and a slower expected sale. Your band, not the community average, sets how much competition your first month meets.

How long Riverstone homes took to sell

Thirteen of the 36 closings went under contract within 30 days on market, and 10 took more than 120 days. The median of 58 days sits between two very different groups, and the next section shows that the long-waiting group did not get a better price for its patience. Active listings carry a median of 98 days on market against 58 for the homes that sold, which is what unsold inventory looks like when the ask is ahead of the evidence.

Selling a Riverstone Home? Start With Your Plan and Your Lot

Riverstone sellers face a median list-to-sold gap of $50,000, a 98-day median on the active shelf and a rulebook that removes the yard sign. Tell us your plan, your lot and your condition, and we will return a price range built from your size band’s own closings and a net sheet at three prices. Start with our Riverstone home valuation page or Call Jesse direct at (239) 898-6072. Buying your next home on the same timeline? Call Marc at (239) 287-5873 and see how we represent buyers.

What Riverstone Homes Sold For, Plan by Plan

Riverstone homes of identical MLS living area sold far apart in the 12 months to September 15, 2026: six 2,081 sq ft homes sold from $605,000 to $800,000, three 3,051 sq ft homes from $900,000 to $1,275,000 and two 4,980 sq ft homes at $1,600,000 and $2,225,000. Plan sets the starting point, not the price.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

Every living-area group with two or more closings

MLS living area Closings Sold prices Spread, high over low Days on market
2,081 sq ft 6 $605,000 to $800,000 $195,000 (32.2%) 0 to 319
2,162 sq ft 2 $765,000 and $950,000 $185,000 (24.2%) 11 and 217
2,609 sq ft 2 $935,000 and $1,100,000 $165,000 (17.6%) 33 and 75
3,051 sq ft 3 $900,000 to $1,275,000 $375,000 (41.7%) 0 to 181
3,215 sq ft 3 $900,000 to $1,310,000 $410,000 (45.6%) 3 to 129
4,113 sq ft 2 $1,350,000 and $1,362,500 $12,500 (0.9%) 3 and 234
4,980 sq ft 2 $1,600,000 and $2,225,000 $625,000 (39.1%) 7 and 37

Source: Southwest Florida MLS Matrix, Development RIVERSTONE, 36 closings in the 12 months to September 15, 2026. Spread is the high sold price over the low sold price in the group. Seven living-area values account for 20 of the 36 closings.

What the spreads tell a seller

The two 4,113 sq ft homes sold $12,500 apart, which proves price is not random. The six 2,081 sq ft homes sold $195,000 apart, and the 3,215 sq ft group $410,000 apart, which proves that identical square footage does not buy identical value. The MLS rows we hold record price, list price, living area, days on market and closing date. They do not record which home backed a lake, which backed a preserve, which had a pool or what the roof and windows were, so we do not guess at the cause of any single gap. We read it the way a buyer’s agent will: lot position, condition, upgrades and the competing listings of the week each home came to market.

Lot position and collection, the two facts a median hides

County parcel polygons put 406 of the 802 homes (50.6%) on a lake, and 70.7% back to a lake or a preserve. GL Homes sold Riverstone in three collections, Regal (plans 451 to 457, 126 homes), Vintage (plans 502 to 512, 367 homes) and Classic (plans 671 to 681, 277 homes), with 32 further homes left unclassified because their measured base areas fit none of the three. The assignment of homes to collections is inferred from the Collier tax roll’s measured areas, and the collection names are the developer’s. Lot width follows the collection: Regal homesites measure about 45 feet at the median, Vintage about 52 to 55 feet and Classic about 65 to 76 feet. A Regal home on a 45-foot homesite and a Classic home on a 76-foot lakefront homesite pay the same assessment under the same association, and they are not the same asset.

The roll also shows an almost uniform build era. Every Riverstone home was first built between 2012 and 2017, 645 of 802 (80.4%) in 2013, 2014 or 2015. A buyer in 2026 is looking at houses roughly nine to fourteen years old, which puts air conditioning, water heaters and roofs at the same stage of life across the whole community. The age of those items in your house, documented, is a price factor the median cannot see.

Selling in Riverstone? Call Jesse direct at (239) 898-6072 and he will put your plan, lot and condition against the closings above. Buying next? Call Marc at (239) 287-5873, or read our guide to buying a Riverstone home.

How Does the Deed Record Differ From the MLS in Riverstone?

The Collier County deed record and the Southwest Florida MLS describe Riverstone differently because they count different things: the county file lists 28 qualified recorded sales from October 2025 to August 31, 2026, while the MLS recorded 36 closings in the 12 months to September 15, 2026, under different windows, definitions and square-foot denominators.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

Two records, side by side, never blended

Measure Collier County recorded qualified sales, October 2025 to August 31, 2026 Southwest Florida MLS closings, 12 months to September 15, 2026
Sales counted 28, all resales, zero builder-direct 36
Median sale price $910,000 $927,500
Low and high $605,000 and $2,225,000 $605,000 and $2,225,000
Days on market and sold-to-list Not in the county record 58 days and 94.78%
What it can show Off-MLS sales, repeat sales, every qualified deed How long a home took and what share of list it got

Source: Collier County Property Appraiser data file dated August 29, 2026, qualified improved sales over $1,000, newest recorded sale August 31, 2026; Southwest Florida MLS Matrix, pulled September 15, 2026. The two medians sit $17,500 apart, which is 1.9% of the county median, close enough to show that both records found the same community.

Why 28 does not equal 36

The windows differ, since the county file ends on August 31 and the MLS pull on September 15. The definitions differ, since the county counts only transfers it grades as qualified improved sales, while the MLS counts every closing reported to it. And a deed can post on a different date than the MLS closing. None of this is an error in either record. It is why we quote each figure with its own record and window and do not subtract one from the other.

The price per square foot trap

The county measures total area under roof, including garage and lanai, and puts the median Riverstone house at 3,422 sq ft on the certified roll. The MLS measures living area only and puts the median at 2,830 sq ft. County total area runs about 21% larger on the same houses. Over the county’s 27 qualified sales from September 15, 2025 to September 14, 2026, the median was $291.21 per square foot of total area under roof; the MLS median for its 36 closings was $342.91 per square foot of living area. Those two numbers measure different denominators, so neither is ever restated against the other here, and a Zestimate or portal page that mixes them is producing a number that cannot be reproduced. The 27-sale window is the pull our community guide uses for price per square foot; the 28-sale file above is the later county data file.

The county record, year by year

Calendar year Qualified sales Median Low High
2019 54 $592,500 $400,000 $1,265,000
2020 71 $645,000 $396,000 $1,034,500
2021 88 $840,000 $493,000 $1,675,000
2022 49 $1,180,000 $645,000 $2,200,000
2023 35 $1,059,800 $695,000 $2,275,000
2024 28 $1,400,000 $740,000 $2,000,000
2025 39 $1,100,000 $605,000 $1,800,000
2026, through August 31 21 $935,000 $670,000 $2,225,000

Source: Collier County Property Appraiser qualified improved sales, data file dated August 29, 2026. Yearly medians swing with the mix of large and small homes that happened to sell: the 2024 median of $1,400,000 on 28 sales says more about which homes sold than about what a given home was worth. Use a year’s median as a headline, never as a price for your house.

Where the certified roll fits

Collier County’s certified 2026 roll puts the median just value of the 802 homes at $881,454, against a 2023 peak of $991,412 in the same-store curve of 2021 $573,203, 2022 $866,063, 2023 $991,412, 2024 $920,038, 2025 $919,777 and 2026 $881,454. That is a rise of 72.9% from 2021 to the peak and a fall of 11.1% from the peak to 2026. Just value is the county’s mass-appraisal estimate for tax purposes, not a market value, and it lags the market, which is why the recorded median of $910,000 and the MLS median of $927,500 both run above it. Quote it as a tax fact, not a price.

Selling in Riverstone? Get Your Plan’s Price Range

Riverstone sellers whose plan, lot and condition match the closings above can have a price range and a net sheet within a day. Request your free valuation, read how we value a Riverstone home, or Call Jesse direct at (239) 898-6072. Buying your next home on the same timeline? Call Marc at (239) 287-5873.

How Should You Price a Riverstone Home When the Same Plan Sold More Than 40% Apart?

Price a Riverstone home from the closings of your own plan and lot position, then test that number against the 14 active listings and the $50,000 median list-to-sold gap. In the 3,051 sq ft group, MLS sales ran from $900,000 to $1,275,000, a spread of more than 41%, so the community median is the wrong anchor.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

The 3,051 sq ft group, row by row

Closing month List price Sold price Sold-to-list Days on market
April 2026 $999,000 $900,000 90.09% 181
May 2026 $1,275,000 $1,150,000 90.20% 130
June 2026 $1,300,000 $1,275,000 98.08% 0

Source: Southwest Florida MLS Matrix, Development RIVERSTONE, three closings of 3,051 MLS living sq ft in the 12 months to September 15, 2026. The high sale is $375,000 above the low, 41.7% over $900,000. The 3,215 sq ft group is wider still, $900,000 to $1,310,000, which is 45.6% over its low.

The home that came to market at $999,000 waited 181 days and sold for $900,000. The home listed at $1,300,000 sold in 0 days for $1,275,000. Same living area, opposite outcomes. The list price alone did not separate them: the market priced each house for what it was, and the days on market were the cost of guessing wrong.

A pricing method built for Riverstone

  1. Start with your plan’s own closings. Find the sales at your living area and the nearest areas, and read their list prices, sold prices and days on market together.
  2. Place your lot. Lake, preserve or neither, and homesite width, which runs with the Regal, Vintage or Classic collection. County parcel polygons show 406 of the 802 homes on a lake and 70.7% backing to a lake or preserve, so a lake or preserve lot is the majority case and an interior lot is the minority one a buyer will notice.
  3. Price the condition. Roof date, air handler and water heater age, pool and equipment, impact glazing or shutters, enclosures, kitchen and baths. For a house built 2012 to 2017, a buyer’s inspector reads the mechanical dates first.
  4. Read the shelf. As of the September 15, 2026 pull, 14 homes were active, in your size band or not. A buyer’s agent will tour three or four, and yours is one of them.
  5. Hold the number to the gap. The median list-to-sold gap was $50,000 and 7 of the 36 closings gave up $100,000 or more, so a list price chosen to leave room to negotiate must still sit inside the evidence.

What waiting did not buy

Days on market Closings Median sold-to-list Median list-to-sold gap
30 or fewer 13 94.89% $35,000
31 to 120 13 94.17% $65,000
More than 120 10 95.18% $45,000

Source: Southwest Florida MLS Matrix, Development RIVERSTONE, 36 closings in the 12 months to September 15, 2026; medians computed within each group. The groups are small, so this is a description of these 36 sales, not a rule. It does show that the homes which sat more than 120 days did not recover price: their median sold-to-list ratio, 95.18%, was no better than the 94.89% of homes that sold within 30 days.

What the active shelf is asking

The 14 active listings of September 15, 2026 carry a median ask of $1,199,000 and a median $371.91 per MLS living sq ft, against a $927,500 median sale and $342.91 per MLS living sq ft for the 36 closings. Part of that gap is mix, since the active median living area is 2,972 sq ft against 2,830 for the closings. The rest is optimism. An asking price is a statement of intent, and the evidence a buyer’s agent will cite is the sold column.

What Riverstone owners saw when they sold again

The county’s recorded file shows 13 repeat sales, the same house sold twice, each given by street only.

Street Earlier sale Latest recorded sale Change
Atlantic Circle March 2021, $775,000 April 2026, $995,000 +28.4%
Atlantic Circle September 2014, $579,900 April 2026, $935,000 +61.2%
Glacier Court May 2017, $665,000 April 2026, $1,000,000 +50.4%
Cinnamon Bay Circle May 2021, $1,050,000 April 2026, $1,150,000 +9.5%
Pleasant Springs Drive December 2021, $650,000 May 2026, $827,500 +27.3%
Pacific Drive August 2023, $920,000 June 2026, $950,000 +3.3%
Tigris Lane April 2022, $835,000 June 2026, $799,000 -4.3%
Crystal Way January 2016, $663,200 June 2026, $1,275,000 +92.2%
Santaren Court April 2016, $999,900 June 2026, $1,150,000 +15.0%
Baltic Drive April 2024, $1,100,000 July 2026, $1,250,000 +13.6%
Beaufort Court October 2021, $775,000 August 2026, $799,000 +3.1%
Pacific Drive September 2015, $593,000 August 2026, $900,000 +51.8%
Pacific Drive July 2019, $907,000 August 2026, $1,362,500 +50.2%

Source: Collier County Property Appraiser qualified improved sales, data file dated August 29, 2026. Percentages are the change between the two recorded prices and do not adjust for improvements, closing costs or holding costs. Twelve of the 13 sold for more than the earlier price and one for less. For the seven houses whose earlier sale fell in 2021 to 2024, the changes ran from -4.3% to +28.4%, with a median of +9.5%. If you bought in 2021 to 2024, your gain is real but modest next to the 2016 to 2019 buyers, and your price expectation should come from the 2026 rows, not from a neighbor’s 2022 or 2023 sale.

Three pricing errors we correct before a listing goes live

  • Quoting the community median. The $927,500 MLS median and $910,000 county median average 2,000 sq ft homes and 5,000 sq ft homes together.
  • Pricing from a neighbor’s 2022 or 2023 sale. The certified-roll median just value is 11.1% below its 2023 peak, and the county’s yearly recorded medians swing with mix.
  • Pricing at the top of the band to leave room. Two of 36 closings reached list. Room to negotiate is built from evidence, not from a high number.

Selling in Riverstone? Request the valuation or Call Jesse direct at (239) 898-6072. Buying next? Call Marc at (239) 287-5873 and read how we represent buyers.

How Do You Market a House Where For Sale Signs Are Banned?

You market a Riverstone house through everything except the yard: the recorded Rules say For Sale signs are not to be displayed for any reason and open houses are permitted on Sundays only, so photography, video, a precise MLS entry, direct agent outreach and one coordinated Sunday carry the whole first impression.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

What the recorded documents say

Two layers govern signs, and both are recorded.

  • The Declaration, Article X, Section 10, prohibits any sign, display, poster, advertisement, notice or lettering of any kind in public view, expressly including For Sale, For Rent and By Owner signs, without the board’s prior written consent, which the board may give, withhold or condition in its sole discretion.
  • The Rules, Chapter 8, amended June 7, 2021, say: “For Sale Signs are not to be displayed for any reason.” That is a minor violation.
  • Open houses are permitted on Sundays only. Holding one on any other day is a major violation.
  • Community-approved open-house signage is the only signage permitted, in designated approved locations only.
  • Signage on a vehicle in public view needs approval too, so a wrapped car parked out front is not a workaround.

Why there is no drive-by demand to replace

Riverstone has one gatehouse, set about 807 feet from Logan Boulevard North and 1.68 miles by road north of Immokalee Road. A sweep of a box about 1.65 miles on a side around the community found no shops, no restaurants and no commercial land use, and the nearest shopping plaza is 1.92 miles away by car. Nobody wanders past a Riverstone listing. Every buyer who sees your home has been sent to it by a search, a listing alert or an agent.

What replaces the sign

  1. A pre-market build. Professional photography, a measured floor plan, a video walkthrough and a written description that leads with the facts a Riverstone buyer filters on: collection, lot position, roof and mechanical dates, impact glazing, the FEMA determination for your plat. We also bring a qualified-buyer database and, when a sale needs to stay quiet, discretion with off-market capability.
  2. A listing found by name. Buyers search North Naples communities by community name, so the MLS entry, the property description and our own Riverstone pages are the discovery tools the sign used to be.
  3. Direct agent-to-agent outreach. We contact the agents who work North Naples gated communities and the buyers already looking in your price band.
  4. One coordinated Sunday. With a single permitted day, two Riverstone listings holding open houses on the same Sunday split one pool of visitors. We schedule your Sunday against the others, with community-approved signage in the designated locations only.
  5. Frictionless access. Access runs through a staffed gate and the Envera access platform, and guests are registered through a resident app and web portal or an automated call-in line, with no decals issued for guest vehicles. Every added step costs showings, so we set the access procedure in writing with the management office before the first showing.

The step before all of it

The association asks owners to notify the management office in writing when they plan to sell, so staff can help during the sales process. The office is the source of the sales application packet and the access forms, and an early notice removes the most common closing-week scramble. We send it the day you list, not the day you go under contract.

What costs a seller time

A sign that goes up Tuesday and comes down Wednesday costs a violation letter and credibility with the board you are about to need for a buyer approval. A Saturday open house costs the weekend and counts as a major violation. A listing plan built on signage and Saturday traffic does not function here, and an out-of-area agent who arrives with a sign rider and a directional-arrow strategy learns the rulebook on your market time.

Describing the home, not the people

Fair housing law governs how a listing is written. Our descriptions describe the property and the rules: the plan, the lot, the lake or preserve behind it, the condition and the dates on the roof and mechanicals. They never describe who should live there.

What Does a Riverstone Buyer Ask First?

A Riverstone buyer asks first about annual cost, flood and wind: the $6,060 yearly assessment, the $3,030 capital contribution at closing, FEMA letters sitting on top of a map that shows every parcel in a hazard area, a 159 to 160 mph design wind speed, and the age of your roof, windows and air handlers.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

The yearly cost question

The association published a 2026 assessment of $1,515 a quarter, so $6,060 a year, $505 a month. It is one assessment: no CDD, no club, no sub-association, and an owner cannot opt out by declining to use the amenities, since Declaration Article VII, Section 10 says a waiver of use does not release the lot. On the certified 2026 Collier roll the median total tax bill across the 802 homes is $6,684.57, or $557.05 a month, with a range of $269.77 to $14,536.69. The bottom of that range is a fully exempt home. Every one of the 802 homes carries a non-ad valorem line of $269.77, and none carries a district line.

The tax question your buyer is really asking

The certified roll’s median total bill is $6,181.77 for the 581 homesteaded homes and $8,019.49 for the 221 that are not. Your bill reflects your homestead and any Save Our Homes cap. A buyer’s bill resets to just value after the sale, with no carryover except portability that the buyer may bring from a prior Florida homestead. We give no dollar figure for the reset on your house, because it depends on the buyer’s exemptions, but the two medians show why the question comes up. Florida also requires the seller to deliver a property tax disclosure summary before the contract is signed, under section 689.261.

The closing cost question

A buyer of a resale home pays the capital contribution, twice the quarterly assessment, $3,030 at 2026 rates, under recorded Bylaws Section 9.8 as amended in 2019. The buyer also submits a sales application at least seven business days before closing with a $100 non-refundable processing fee. We tell your buyer’s agent early so the $3,030 is in the cash-to-close figure from the first conversation and never surfaces at the closing table.

The flood and wind questions

Both are answered by paper. For flood, see the next section. For wind, Collier County’s Florida Building Code 8th Edition maps put Riverstone at an ultimate design wind speed of 159 to 160 mph for Risk Category II, which includes ordinary houses. That is 19 to 20 mph above the 140 mph threshold that places a site in a wind-borne debris region, so impact-rated glazing or code-approved shutters or panels are required on every glazed opening, even seven miles inland. Insurers price the specific building: roof shape and date, opening protection, roof-to-wall connections. We pull your wind mitigation inspection and roof documentation before the first showing.

The schools question

Riverstone addresses are assigned to Laurel Oak Elementary, Oakridge Middle and Aubrey Rogers High for the 2026-27 school year, according to the Collier County Public Schools attendance-zone database. All three hold a Florida Department of Education grade of A for 2025-26. Zones change, and the district is the only authority on assignment, so we tell buyers to confirm with Collier County Public Schools.

The age question

Every Riverstone home was first built between 2012 and 2017, so in 2026 the houses are nine to fourteen years old. Air conditioners, water heaters, pool equipment and roof surfaces arrive at the same stage of life across the community. Buyers and their inspectors arrive expecting that list. A seller with service records and dates in hand negotiates from strength.

Your answer packet

Assemble this before the first showing, and we will help you gather it.

  • The FEMA determination for your plat, with its case number (see the next section).
  • The county’s Elevation Certificate for your address, if one is on file; Collier County’s GIS holds 199 for addresses in the community.
  • A wind mitigation inspection and your roof’s age, permit and any repair history.
  • Documentation for every impact-rated window and door or every shutter and panel.
  • Service records for the air conditioning, water heater, pool equipment and enclosure.
  • The association documents: the 2016 Amended and Restated Declaration (INSTR 5269104), the recorded Bylaws and Rules, and a current estoppel certificate.
  • The property tax disclosure summary and your flood disclosure.

Selling? Call Jesse direct at (239) 898-6072. Buying? Call Marc at (239) 287-5873.

The Flood Letter: Why Your FEMA Determination Is a Selling Tool

A Riverstone flood answer has two halves, and a seller who gives both wins the buyer’s trust: the effective FEMA map places all 848 parcels in a Special Flood Hazard Area, while seven FEMA determination letters, recorded across 2012 to 2015, remove all 802 homes from it. Hand the buyer the letter for your plat.

Half one: what the effective flood map says

The effective FEMA flood map panels over Riverstone are 12021C0211H and 12021C0212H, both effective May 16, 2012, in Collier County’s unincorporated area (NFIP community number 120067). We tested every one of the 848 parcel centroids against FEMA’s National Flood Hazard Layer, and on that map every parcel falls inside a Special Flood Hazard Area: 771 in Zone AH and 77 in Zone AE, with none in Zone X. The 77 Zone AE parcels follow the lake and flow-way edges, concentrated along stretches of Atlantic Circle, Cinnamon Bay Circle, Baltic Drive, Crystal Way, Pacific Drive and Azure Bay Court.

The panel date is a trap for anyone reading Collier County’s materials quickly. The county’s digital map became effective February 8, 2024, but that revision was partial and coastal: of the 156 panels in the Collier study, 82 moved to suffix J on that date and 74 stayed at suffix H, May 16, 2012. Riverstone’s two panels are among the 74 that did not change. A flood-zone lookup by address therefore still returns Zone AH or AE, and will until FEMA reprints those panels.

Half two: what FEMA actually determined

FEMA’s Letter of Map Change records return seven determinations covering the community, one Letter of Map Amendment (LOMA) and six Letters of Map Revision based on Fill (LOMR-F), and between them they reach every residential lot. Each states that the document revises the effective map to remove the subject property from the hazard area, so the federal mandatory flood insurance purchase requirement does not apply.

Plat Lots FEMA case Type Determination date Lowest lot elevation, NAVD 88
Saturnia Falls Phase One 1 to 190 12-04-4256A LOMA May 17, 2012 14.6 ft
Riverstone Plat Three 191 to 352 13-04-3486A LOMR-F March 21, 2013 14.8 ft
Riverstone Plat Two 353 to 472 13-04-3485A LOMR-F March 21, 2013 15.2 ft
Riverstone Plat Four 473 to 536 and 569 to 590 13-04-4802A LOMR-F June 18, 2013 14.1 to 16.8 ft, per lot
Riverstone Plat Five 591 to 686 14-04-1888A LOMR-F December 31, 2013 14.1 ft
Riverstone Plat Six 537 to 568 and 687 to 719 14-04-7801A LOMR-F August 12, 2014 14.6 to 15.8 ft
Riverstone Plat Seven 720 to 802 15-04-5250A LOMR-F May 15, 2015 14.9 ft

Source: FEMA Letter of Map Change determination documents for NFIP community 120067, queried through FEMA’s Map Service Center. The lot ranges add up to 802 and match the single-family parcel counts on the Collier County roll plat by plat: 162, 120, 86, 65, 96 and 83 across Plats Three, Two, Four, Six, Five and Seven and 190 in Saturnia Falls Phase One.

The two instrument types tell a buyer something about the land. A LOMA removes a property because natural ground already stands above the base flood elevation, which is the Phase One story: lots 1 to 190 at 14.6 feet. A LOMR-F removes a property because it was raised with engineered fill, which is the story of lots 191 to 802. FEMA’s mapped base flood elevation across the community runs 13.5 feet at the south end to 14.0 feet at the north end, so the lowest certified lot elevations sit roughly 0.1 to 3.3 feet above it. FEMA records the flooding source on all seven as ponding or ponding with overland flow: rainfall, not storm surge.

How to use the letter when you sell

  1. Put the letter number in the listing file. Your buyer’s lender will run a flood determination, and a vendor that reads the map returns Zone AH while a vendor that reads the plat’s LOMR-F returns removed. Both are working from real documents. A case number in the file ends the argument before underwriting starts.
  2. Add the elevation certificate. Collier County’s GIS carries 199 FEMA Elevation Certificates for addresses in the community, 175 against Riverstone folios and 22 against Saturnia Falls Phase One. Ask the county’s Floodplain Management Section whether one is on file for your address and attach it.
  3. Say what the letter is not. It does not change the map. All seven determinations are carried by FEMA as not incorporated into the panels, so the map keeps its hazard area, and the letter is the operative document. A removal based on fill also takes the lot out of the hazard area without taking the surrounding roads, lakes and common areas out of it. The full flood study, plat by plat, is in our Riverstone community guide.
  4. Disclose what you know, in the statutory form. Since October 1, 2025, section 689.302 requires a residential seller to state whether the seller knows of flooding that damaged the property during the seller’s ownership, whether a flood insurance claim was filed and whether federal flood assistance was received.

The claims record a buyer can check

FEMA’s claims dataset shows three flood insurance claims, ever, in census tract 12021011209, the tract that holds the whole community. The only one paid was $11,713.12 on a structure built in 1985, twenty-seven years before the first Riverstone home. There were no claims from Hurricane Ian in 2022 or Hurricane Milton in 2024 and no paid claim on any structure built after 2003 in the tract. This is a tract record, not an address record, and there is no address-level damage record for Riverstone from either storm, so we never tell a buyer what a particular street did in one.

Insurance, optional and required

Because the letters remove each lot, the federal purchase requirement does not attach to a federally backed mortgage on a Riverstone home, but the same FEMA sentence lets a lender keep the option to require a policy, and the answer can change by loan product at the same address. Collier County is a Community Rating System Class 5 community, which carries a 25% discount on National Flood Insurance Program premiums, according to the county’s 2026 Flood Protection Newsletter. We quote no premium: flood is rated per structure and wind per carrier and per roof.

Selling in Riverstone? Call Jesse direct at (239) 898-6072 and we will match your lot to its FEMA case number before you list. Buying your next home? Call Marc at (239) 287-5873.

What a Seller Owes: Section 720.401, the Estoppel and the Capital Contribution

A Riverstone seller owes the buyer the homeowners’ association disclosure summary before the contract is signed under section 720.401, an estoppel certificate from the association under section 720.30851, and a property tax disclosure under section 689.261, while the buyer, not the seller, pays the $3,030 capital contribution at closing.

The disclosure summary under section 720.401

Riverstone is a mandatory homeowners’ association with 802 homes, so section 720.401 applies and there is no condominium fork in the road. Before a buyer signs, the buyer must receive a disclosure summary covering membership, the covenants, assessments, liens and fees, and the contract must carry a conspicuous clause making it voidable by the buyer. If the summary was not delivered, the buyer may cancel by written notice within three days of receiving it or before closing, and the right cannot be waived. The practical lesson is order. We assemble the summary and the recorded documents when we list, so a buyer’s agent has them with the first offer and no contract is exposed to a late cancellation.

The estoppel certificate under section 720.30851

An estoppel certificate states what the association says is owed on your lot. The association routes requests through a third-party homeowner-association document service rather than the office counter, and does not publish its fee, so we do not state one. The statute sets the ceiling: the association must issue the certificate within 10 business days of the request, the standard certificate for a current account may not exceed $299 in 2026, an expedited certificate delivered within three business days may add up to $119, and where money is owed an additional $179 may be charged. The certificate is effective for 30 days when delivered by hand or electronically and 35 days when mailed, so one ordered too early can expire before a closing. Order it when you have a contract and a closing date, and send the written sale notice to the management office the day you list.

The property tax disclosure under section 689.261

Florida also requires the seller to give the buyer a property tax disclosure summary before the contract is signed. In Riverstone it explains why the buyer’s first bill will not look like yours: the certified 2026 Collier roll puts the median total bill at $6,181.77 for the 581 homesteaded homes and $8,019.49 for the 221 that are not, and a new owner starts from just value without the seller’s Save Our Homes cap.

The capital contribution is the buyer’s, but you still manage it

Recorded Bylaws Section 9.8, as amended in 2019 (INSTR 5750719), charges the purchaser of every resale home an amount equal to twice the quarterly assessment then in effect: $3,030 at the 2026 quarterly rate of $1,515. The original working-fund contribution in the Declaration was deleted in 2012 and reads “INTENTIONALLY DELETED” in the 2016 restatement, which is why an agent who reads only the Declaration tells a buyer there is no such fee and is wrong by $3,030. The association does not publish the dollar figure, so confirm the exact amount on the estoppel. Your job as a seller is to disclose it in the first conversation with the buyer’s agent so it sits in the buyer’s cash-to-close from day one.

What Does It Cost to Sell a Riverstone Home in Collier County?

Selling a Riverstone home at $800,000 costs a seller roughly $31,299 in the illustrative sheet below, 3.9% of price, and selling at $1,200,000 costs roughly $45,099, 3.8%, before any mortgage payoff: deed stamps, a negotiable commission, the estoppel and tax and assessment prorations. Collier custom puts the owner’s title policy on the buyer.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

Who customarily pays what in Collier County

Florida law does not assign most closing costs to either side, and the contract controls over local custom. In Collier County the customary split puts the deed documentary stamp tax of $0.70 per $100 on the seller, and the owner’s title policy and the choice of closing agent on the buyer. That last item is the biggest difference from Lee County, where the seller customarily pays for the owner’s policy, and a net sheet copied from a Lee County seller overstates a Riverstone seller’s costs. The estoppel fee and a municipal lien search are customarily the seller’s, and the buyer records the deed and pays the lender’s title policy, recording charges and any documentary stamps and intangible tax on the new mortgage.

Two illustrative net sheets

Every figure is an estimate for illustration, assuming a seller with no mortgage. The commission line shows a 2.75% listing commission as an illustrative negotiated rate, not a quote and not a standard. The proration lines assume a closing on August 15: the quarterly assessment of $1,515 is billed in advance, so the buyer credits the seller for the 46 days of the July 1 to September 30 quarter after closing ($1,515 x 46 / 92 = $757.50), and the seller credits the buyer for 227 days of 2026 tax on the certified roll’s median bill of $6,684.57 ($6,684.57 x 227 / 365 = $4,157.25). Your actual proration uses your own bill and closing date.

Line Sale at $800,000 Sale at $1,200,000 How it is figured
Deed documentary stamps $5,600.00 $8,400.00 $0.70 per $100 of price
Listing commission, illustrative 2.75% $22,000.00 $33,000.00 Negotiable, no set rate
Estoppel certificate, statutory ceiling $299.00 $299.00 Association’s actual fee is unpublished
Property tax proration, seller owes buyer $4,157.25 $4,157.25 227/365 of the $6,684.57 median bill
Assessment proration, buyer credits seller -$757.50 -$757.50 $1,515 x 46/92
Estimated total costs $31,298.75 $45,098.75
Estimated proceeds before payoff $768,701.25 $1,154,901.25 Price less total costs
Costs as a share of price 3.91% 3.76%

Source: Florida Statutes sections 201.02 and 720.30851; Collier County certified 2026 roll; Riverstone at Naples HOA 2026 quarterly assessment. The tax line uses the community median bill because we do not know your bill, and it ignores the early-payment discount some title companies apply.

What the sheet leaves out

The sheet omits the mortgage payoff, repair credits, any buyer-agent compensation offer, moving costs and tax on gain. Since the NAR settlement took effect on August 17, 2024, commissions are negotiable with no set rate, and compensation to the buyer’s side is a separate decision for the seller. The $3,030 capital contribution is not on the sheet because the buyer pays it. We do not guess at the association’s actual estoppel fee or its decal and architectural committee charges, which are unpublished.

Where the money moves

Doc stamps rise dollar for dollar with price and the commission is the one line you negotiate, but the larger lever is the sale price itself. On the $800,000 sheet, stamps, estoppel and net prorations total $9,298.75, while the median list-to-sold gap in the 12 months to September 15, 2026 was $50,000. The next sections turn to that gap.

Riverstone vs Olde Cypress: What Will Your Buyer Compare?

A Riverstone buyer comparing it with Olde Cypress, the other gated North Naples community off Logan Boulevard North, weighs a single $6,060 association with no golf and no club against 548 homes in nine neighborhood associations with a club whose social membership passes with the deed. Their MLS windows differ, so we show each beside its own dates.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

The comparison table

Property term Riverstone Olde Cypress
Homes 802 single-family homes, one gate 548 single-family homes in nine neighborhoods, one gate
Associations One: Riverstone at Naples Homeowners Association, Inc. Nine neighborhood associations plus the master association
Golf and club No golf, no club, no membership, no buy-in A club, with a social membership that passes with the deed; golf is a separate purchase
Published association dollar amount $1,515 a quarter, $6,060 a year (2026) Not published outside the resident portals
Community Development District None None
Resale capital contribution $3,030 at 2026 rates, buyer-paid Not stated here
Flood paper Seven FEMA determinations remove all 802 homes from the mapped hazard area Three chapters: the 2012 effective map, a 2025 preliminary map and a 2013 Letter of Map Revision for one neighborhood
MLS closings 36, 12 months to September 15, 2026 26, 12 months to September 26, 2026
MLS median sold $927,500 $1,105,000
MLS median days on market 58 29
MLS median sold-to-list 94.78% 97.52%
MLS months of supply About 4.7 About 2.3
County recorded qualified sales 28, median $910,000 (October 2025 to August 31, 2026) 24, median $1,142,500 (12 months to the August 29, 2026 file)

Source: Riverstone rows from this page and our Riverstone community guide; Olde Cypress rows from our Olde Cypress seller guide, read October 30, 2026. The two MLS pulls were taken eleven days apart, so compare them as dated pictures and not as a single snapshot.

What the table means for a Riverstone seller

Olde Cypress sold faster and closer to list in these windows, and a buyer will notice. The comparison is also a mix story: the two communities differ in size of homes and in what each owner owns, so the numbers are not a ranking. For a Riverstone seller the useful points are property terms. A buyer who does not want a club, a golf decision or a second layer of neighborhood association finds all of that absent here, and a buyer who wants a club with golf on the roll finds none. We lead your listing with the first set because it is true and checkable: one association, one assessment, amenities that the 802 owners own outright, and no equity buy-in.

Other North Naples gated communities your buyer may tour

Buyers who search North Naples often tour nearby gated communities in one weekend. If you are weighing your options in the area, see our pages on selling in Olde Cypress and its community guide, selling in The Strand with the The Strand guide, selling in Island Walk with the Island Walk guide, and selling in Forest Glen with the Forest Glen guide. For the whole city, our guide to selling a home in Naples sets Riverstone beside the rest of the market.

When Is the Best Time to List in Riverstone?

The Riverstone record does not support a seasonal rule: the 36 Southwest Florida MLS closings in the 12 months to September 15, 2026 fell as many as six in June 2026 and as few as one in November 2025, January 2026 and July 2026. The best time to list is when your documents, price and condition are ready.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

Closings by month, counted from the 36 rows

Closing month Closings Closing month Closings
September 2025 (from September 15) 4 March 2026 4
October 2025 3 April 2026 4
November 2025 1 May 2026 2
December 2025 3 June 2026 6
January 2026 1 July 2026 1
February 2026 1 August 2026 2
September 2026 (to the pull) 4

Source: Southwest Florida MLS Matrix, Development RIVERSTONE, 36 closings, counted by closing date. September 2025 and September 2026 are partial months at each end of the window, so together they hold 8 closings from about three weeks of each September. The counts sum to 36.

Why we do not call it a season

Eighteen of the 36 closed from January through June 2026, with a median 47.5 days on market, against 11 in September to December 2025 at 63 days and 7 in July to September 2026 at 84 days. That looks like a spring advantage until you read the mix: the median living area of those three groups was 2,830, 2,162 and 3,616 square feet, and their median sold prices of $927,500, $720,000 and $1,250,000 follow the size of the homes that happened to sell. Monthly counts swing from one to six on a base of 36, too thin to call a pattern.

What the rows do show about timing

  • The long waits were not rewarded. The 10 homes that took more than 120 days sold at a 95.18% median ratio of sold to list, no better than the 94.89% of the 13 homes that sold within 30 days.
  • Your readiness sets your date. A home with a roof, windows, mechanical records, the FEMA letter and the association documents in hand can launch on the day the photographs are done. A home missing them loses the first weeks to a buyer’s questions.
  • One Sunday matters more than one season. Riverstone allows open houses on Sundays only, so we pick the Sunday of your launch against the other Riverstone listings, not against the month.

How Do We Negotiate a Riverstone Sale?

We negotiate a Riverstone sale from the sold record: the median list-to-sold gap was $50,000 in the 12 months to September 15, 2026, only 2 of the 36 closings reached the list price, and 7 of 36 gave up $100,000 or more. That means a seller needs evidence for the price and a plan for the inspection.

Data updated: October 2026 (Southwest Florida MLS Matrix, Development RIVERSTONE, pulled September 15, 2026; Collier County certified 2026 roll and recorded qualified sales through August 31, 2026)

What the gap looks like

The median list-to-sold gap was $50,000. For the 13 homes that sold within 30 days on market it was $35,000, for the 13 at 31 to 120 days it was $65,000, and for the 10 beyond 120 days it was $45,000. Two of the 36 sold at or above list, and the highest ratio was 100.00%. The lowest was 87.61%. In these 36 sales the narrowest median gap belongs to the homes that sold within 30 days. A seller who prices above the evidence pays a wider gap and the carrying cost of the days.

The negotiation points that are specific to Riverstone

  1. The age of the systems. Every home is nine to fourteen years old in 2026, so a buyer’s inspector reads air handler, water heater, roof and pool equipment dates first. A repair list is cheaper to prevent than to credit, and service records answer it.
  2. The wind paperwork. Opening protection is required at every glazed opening in this wind-borne debris region, so a buyer’s insurer asks for the wind mitigation inspection, the roof date and the window or shutter documentation. If they are in the file, the insurance question is a formality.
  3. The flood letter. The case number, the elevation certificate and the lender’s flood position, in writing, remove the most common reason a buyer’s lender reopens a conversation in week three.
  4. The $3,030. Because the buyer pays the capital contribution, a buyer who learns of it late asks for a credit. Disclosed at the first offer, it is just a number.
  5. The closing calendar. The sales application is due seven business days before closing, and the buyer initials a closing-date acknowledgement agreeing to tell management of any change. A delay in either becomes a delay in the closing, and we manage both dates in the contract.

How we hold the number

When an offer comes in below list, we answer with the closings of your own plan and size band, the competing listings that day and the days on market of the homes that waited. The table above is the case against a long wait: the homes that sat more than 120 days did not recover price. You see the net sheet at each price and decide.

Get Your Free Riverstone Home Valuation

To get a free Riverstone home valuation, enter your details in the valuation form on this page or call Jesse direct at (239) 898-6072. We reply with a range built from your own floor plan’s closings, your lot position, the competing Riverstone listings and your net at three prices.

What a McGreevy and Comisar valuation includes

Your range, with the closings we used, their dates, list prices and days on market; the Riverstone listings competing with yours that day; a net sheet at three prices using the Collier County split on this page; the documents to order before you list (the FEMA letter for your plat, the association documents, the estoppel timing); and a launch plan built around no sign and one Sunday. If you want, Jesse follows with a free in-person look at the house, the lot and the dates on the roof and mechanicals. Our Riverstone home valuation guide shows the method in full.

How to reach us today

Call Jesse direct at (239) 898-6072, or use the valuation form. You are working with Top 1% Real Estate Agents Nationally Since 2008, and the conversation is confidential and carries no obligation. An opinion of value from a licensee is not an appraisal.

What Do Sellers Say About Working With McGreevy and Comisar?

Sellers and buyers across Southwest Florida describe McGreevy and Comisar as communicative, knowledgeable and steady through the whole transaction. Jesse McGreevy and Marc Comisar are top-reviewed Southwest Florida realtors, and you can read every review on our Google Business Profile.

These are a few, in clients’ own words, from sellers and buyers across Southwest Florida, not from Riverstone sales.

A seller on communication

★★★★★ “Working with Jesse was easy, I was kept up to date on all feedback from showings and the many open houses. Highly recommend!” Verified Google review

A buyer and seller on knowing the area

★★★★★ “He knew the area and therefore knew exactly where to take us to find the exact kind of neighborhood we were looking for and he was right on the money.” Verified Google review

Clients on the whole process

★★★★★ “Working with Jesse and his team was truly an amazing experience. From the very beginning, they were professional, attentive, and incredibly knowledgeable. They guided us through every step of the process with patience and clarity, always making sure we felt comfortable and informed with every decision.” Verified Google review

Frequently Asked Questions, Riverstone Seller Edition

These are the questions Riverstone sellers ask us, answered from the Southwest Florida MLS pull of September 15, 2026, Collier County’s certified 2026 roll and recorded sales through August 31, 2026, the association’s recorded documents, FEMA’s determinations and Florida law. For your own home, call Jesse McGreevy direct at (239) 898-6072.

How do I sell my home in Riverstone?

Price it from your own plan’s closings and lot position, give the management office written notice, order the estoppel once you have a contract, put the FEMA letter for your plat in the listing file and market without a yard sign. Our Riverstone community guide covers the community itself.

What is my Riverstone home worth?

It depends first on plan and size, then on lot position, condition, upgrades and the age of the roof and mechanicals. In the 12 months to September 15, 2026, the 36 MLS closings ran from $605,000 to $2,225,000 with a $927,500 median. Request a free valuation for your home’s range.

How many Riverstone homes sold in the last 12 months?

The Southwest Florida MLS recorded 36 closings in the 12 months to September 15, 2026. The Collier County recorded file lists 28 qualified sales from October 2025 to August 31, 2026. The windows and definitions differ, so we never subtract one from the other.

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

The median closed home spent 58 days on the market in the 12 months to September 15, 2026, with a range from 0 to 319. Thirteen of the 36 sold within 30 days and 10 took more than 120. Active listings carried a median of 98 days.

What percentage of list price do Riverstone homes sell for?

The median sold-to-list ratio was 94.78% across the 36 MLS closings, with a range of 87.61% to 100.00%. Only 2 of the 36 sold at or above list, and the median list-to-sold gap was $50,000.

How many homes are on the market in Riverstone right now?

On September 15, 2026, 14 Riverstone homes were active at a $1,199,000 median list price, from $719,900 to $2,195,000, about 4.7 months of supply. That pull is dated, so call Jesse direct at (239) 898-6072 for the current count in your size band.

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

No. Rules Chapter 8, amended June 7, 2021, says For Sale signs are not to be displayed for any reason, and the Declaration bars signs without the board’s written consent. A sign is a minor violation, and a sign on a vehicle in public view also needs approval.

Can I hold an open house in Riverstone?

Yes, on Sundays only, with community-approved signage in designated locations. An open house on any other day is a major violation. We schedule your Sunday against the other Riverstone listings so two houses do not split one pool of visitors.

Do I have to tell the association I am selling?

The association asks owners to notify the management office in writing when they plan to sell, so staff can assist during the sales process. We send that notice the day you list. The office is the source of the sales application packet and the access forms.

What is the Riverstone association fee?

The association published a 2026 assessment of $1,515 a quarter, $6,060 a year or $505 a month, due January 1, April 1, July 1 and October 1. It is one assessment: Riverstone has no Community Development District, no club and no sub-association.

Who pays the capital contribution when a Riverstone home sells?

The buyer. Recorded Bylaws Section 9.8, amended in 2019, charges the purchaser of a resale home twice the quarterly assessment at closing, which is $3,030 at 2026 rates. Tell the buyer’s agent early so it is in the cash-to-close figure.

What is the Riverstone sales application?

It is the buyer’s application to the association, submitted at least seven business days before closing with a $100 non-refundable fee, the executed contract, identification for each applicant and adult occupant and the Envera access form. An incomplete packet comes back unprocessed and can delay closing.

What is an estoppel certificate and who pays for it?

It is the association’s statement of what is owed on your lot, and the fee is customarily the seller’s. Section 720.30851 requires issue within 10 business days and caps the fee for a current account at $299 in 2026, with up to $119 more if expedited and $179 more if money is owed.

Who pays the deed stamps in Collier County?

The seller customarily pays documentary stamp tax on the deed at $0.70 per $100 of price: $5,600 on $800,000, $6,492.50 on $927,500 and $8,400 on $1,200,000. The contract controls, and we confirm the split in writing before you accept an offer.

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

By Collier County custom the buyer pays for the owner’s title policy and chooses the closing agent, unlike Lee County, where the seller customarily pays. The contract controls, so never copy a net sheet from a Lee County sale into a Riverstone listing.

How much commission does a realtor charge to sell a Riverstone home?

Commissions are negotiable and no rate is set by law. Our net sheets show a 2.75% listing commission, $22,000 on $800,000, as an illustration only. Any compensation offered to the buyer’s agent is a separate decision for the seller.

What must a Riverstone seller disclose?

Before the contract: the association disclosure summary under section 720.401, the property tax disclosure under section 689.261, and the flood disclosure under section 689.302. You must also disclose known material defects, and the estoppel and recorded documents travel with the sale.

What flood zone is a Riverstone home in?

On the effective FEMA map, every parcel is in a Special Flood Hazard Area, 771 in Zone AH and 77 in Zone AE, and FEMA has also issued seven determination letters that remove all 802 homes from it. The letter for your plat is the operative document.

What is a LOMR-F and does my Riverstone home have one?

A Letter of Map Revision based on Fill removes a property from a hazard area because the lot was raised with fill. Six of the seven FEMA determinations are LOMR-Fs, for Plats Two through Seven, and the seventh is a Letter of Map Amendment for Saturnia Falls Phase One.

Where do I find the elevation certificate for my Riverstone home?

Collier County’s floodplain management office holds FEMA Elevation Certificates, and the county’s GIS lists 199 of them for addresses in the community. Ask the Floodplain Management Section for yours by address, and attach it to the listing file.

Do impact windows or shutters matter when I sell?

Yes. Riverstone sits in a wind-borne debris region at a 159 to 160 mph Risk Category II design wind speed, so impact-rated glazing or code-approved shutters or panels are required on glazed openings. Buyers and insurers ask for the documentation, so we gather it before the first showing.

Does the age of my roof affect my Riverstone sale?

It affects the buyer’s insurance and the inspection. Every Riverstone home was first built between 2012 and 2017, so roofs are nine to fourteen years old unless replaced. Insurers price roof shape, date and connections, and a dated roof record shortens the conversation.

Did Hurricane Ian or Milton damage Riverstone?

There is no address-level damage record for Riverstone from either storm. FEMA shows no flood claim from Ian or Milton in the community’s census tract, Riverstone lies outside the Coastal High Hazard Area, and Ian’s estimated peak gusts countywide were 80 to 90 mph.

Which schools serve Riverstone?

Riverstone addresses are assigned to Laurel Oak Elementary, Oakridge Middle and Aubrey Rogers High for 2026-27, per the Collier County Public Schools attendance-zone database, and each earned a Florida Department of Education grade of A for 2025-26. Zones change, so confirm with the district.

Is there a CDD in Riverstone?

No. There is no Community Development District and no district line on the tax bill. All 802 homes carry one non-ad valorem line of $269.77 on the certified 2026 roll.

What are property taxes on a Riverstone home?

On the certified 2026 Collier roll, the median total bill across the 802 homes is $6,684.57. The median is $6,181.77 for the 581 homesteaded homes and $8,019.49 for the 221 that are not. The combined millage is 9.3696 mills.

Will my buyer’s tax bill match mine?

Usually not. Your bill reflects your homestead and any Save Our Homes cap, and a new owner’s bill resets to just value after the sale, except for any portability the buyer brings from a prior Florida homestead. We give no dollar figure for a reset.

Does Riverstone have a golf course?

No. Riverstone has no golf course, no golf club and no membership. The recorded Declaration defines one recreation area and no golf facility, and the amenity campus is owned outright by the 802 owners through the association.

Why did the same floor plan sell for such different prices in Riverstone?

Six 2,081 sq ft homes sold from $605,000 to $800,000 and three 3,051 sq ft homes from $900,000 to $1,275,000. The MLS rows do not record lot position, condition or upgrades, which are the factors a buyer’s agent compares.

Do I owe taxes when I sell?

You may owe federal capital gains tax on a gain above the home-sale exclusion, which applies to a main home used two of the last five years. Florida has no state personal income tax. See IRS Publication 523 and your tax adviser.

Can you help me buy and sell at the same time?

Yes. Jesse leads the sale and Marc the purchase, timed so you do not carry two homes longer than needed. Read our guide to buying a Riverstone home and call Marc at (239) 287-5873.

Why Does a Riverstone Specialist Matter When You Sell?

A Riverstone specialist knows that the same plan sold more than 40% apart, that no sign may stand in the yard, that the buyer pays $3,030 at closing and that seven FEMA letters sit under a map showing every parcel in a hazard area. Those facts price and protect a Riverstone sale.

What a general agent tends to miss

We have seen small facts move a sale: a community median quoted for a smaller plan, a Saturday open house that draws a major violation, a Lee County net sheet handed to a Collier County seller, a capital contribution discovered at the closing table and a lender’s flood vendor returning Zone AH on a lot FEMA removed years ago. As Top 1% Real Estate Agents Nationally Since 2008, we build the listing so those surprises do not reach your buyer.

Where Riverstone sits in North Naples

Riverstone is in North Naples, in unincorporated Collier County, and our Naples area guide covers the market around it. For the community itself, from the 2016 Declaration to the amenity campus, read our Riverstone community guide.

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

If you are searching for a Riverstone listing agent, or thinking, “I need someone to sell my Riverstone home,” McGreevy and Comisar bring the community’s full record to your listing: your plan’s closings, the competing homes, the association paperwork, the FEMA letter for your plat and the wind documents your buyer will ask for.

As the leaders of Domain Realty Group, our team has closed over $2.5 billion in real estate, and McGreevy and Comisar alone have over $900 million in personal sales. We tracked all 36 Riverstone MLS closings of the 12 months to September 15, 2026 and the county’s recorded qualified sales through August 31, 2026 before writing this page.

  • 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

Riverstone sales, 12 months to September 15, 2026 (Southwest Florida MLS): 36 closings, a $927,500 median, $36,970,000 in volume, a 94.78% median sold-to-list ratio and 58 median days on market, with 14 homes active on the pull date.

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

Enter your details in the valuation form or read our Riverstone home valuation guide. Talk to Jesse direct: Call Jesse direct at (239) 898-6072, text or call. Confidential conversations welcome.

Your Local Real Estate Experts for Riverstone

Jesse McGreevy and Marc Comisar lead Domain Realty Group, the #5 real estate team in Florida (RealTrends 2026), from its office at 24031 S Tamiami Trl #101 in Bonita Springs. Jesse leads listings and seller strategy and Marc leads buyer representation and negotiation, and when you call, you reach us directly. Read more about McGreevy and Comisar.

Jesse McGreevy

Jesse McGreevy lists and sells homes across Naples, Bonita Springs, Estero and Marco Island. Call Jesse direct at (239) 898-6072.

Marc Comisar

Marc Comisar represents buyers and sellers across Southwest Florida. Call Marc at (239) 287-5873.

Our credentials

  • Top 1% Real Estate Agents Nationally Since 2008

  • 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)

  • #1 Team in Southwest Florida since 2012

  • McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate

  • McGreevy and Comisar alone have over $900 million in Sales

  • Nationally Recognized Top Producing Realtors

  • Platinum Sales Production Award Winners

  • Jesse McGreevy: (239) 898-6072 ·

  • Marc Comisar: (239) 287-5873

  • Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Jesse McGreevy (license SL3101296) and Marc Comisar (license BK3060671) are licensed Florida real estate professionals regulated by the Florida Real Estate Commission (FREC) under Chapter 475, Florida Statutes.

Selling a Riverstone home? Get a free valuation with the valuation form, or call Jesse direct at (239) 898-6072. Buying one? Call Marc at (239) 287-5873, or read our guide to buying a Riverstone home.

Follow our Southwest Florida sales on Instagram, Facebook and YouTube.

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more about our team at DomainRealtyGroup.com. Read more about McGreevy and Comisar, see how we represent buyers, or contact us.

Sources and Authoritative References

Every Riverstone figure on this page traces to a primary source below: the Southwest Florida MLS, the Collier County record, the association’s own documents, FEMA, the state and the statutes that set a seller’s duties. The MLS is a member login system and is cited as plain text. We cite no brokerage or listing portal.

  1. Southwest Florida MLS (Matrix), Development RIVERSTONE, Closed 0 to 365 days and Active, pulled September 15, 2026 (member system, not linked).
  2. Collier County Property Appraiser qualified improved sales, data file dated August 29, 2026, newest recorded sale August 31, 2026 (county data file, no web link).
  3. Collier County 2026 certified tax roll, 802 Riverstone parcels, read October 30, 2026 (county data file, no web link).
  4. Collier County Clerk, COR Access official records search, recorded instruments cited above.
  5. Collier County Clerk, COR Access document search, the 2016 Declaration, Bylaws and amendments.
  6. Riverstone at Naples HOA, official community site.
  7. Riverstone at Naples HOA, Governing Documents, the Declaration, Bylaws, amendments and Rules.
  8. Riverstone at Naples HOA, Quarterly Association Dues, the $1,515 quarterly assessment for 2026.
  9. Riverstone at Naples HOA, Resale and Rental Information, the written sale notice and estoppel routing.
  10. Riverstone at Naples HOA, Facilities and Amenities.
  11. Riverstone at Naples HOA, Helpful New Owner Information.
  12. Riverstone at Naples HOA, Contact Us, management company and office.
  13. Riverstone at Naples HOA, Guest Parking Information.
  14. Florida Division of Corporations, Sunbiz entity name search, Riverstone at Naples Homeowners Association, Inc., N04000004452.
  15. FEMA National Flood Hazard Layer, zone test of all 848 parcels.
  16. FEMA Map Service Center search portal, panels and Letters of Map Change.
  17. FEMA LOMA 12-04-4256A, Saturnia Falls Phase One.
  18. FEMA LOMR-F 13-04-3485A, Riverstone Plat Two.
  19. FEMA LOMR-F 13-04-3486A, Riverstone Plat Three.
  20. FEMA LOMR-F 13-04-4802A, Riverstone Plat Four.
  21. FEMA LOMR-F 14-04-1888A, Riverstone Plat Five.
  22. FEMA LOMR-F 14-04-7801A, Riverstone Plat Six.
  23. FEMA LOMR-F 15-04-5250A, Riverstone Plat Seven.
  24. FEMA effective FIRM panel 12021C0211H.
  25. FEMA effective FIRM panel 12021C0212H.
  26. OpenFEMA NFIP Redacted Claims, the claim census for tract 12021011209.
  27. OpenFEMA Disaster Declarations Summaries, Collier County hurricane declarations.
  28. FEMA Community Rating System.
  29. Collier County 2026 Flood Protection Newsletter, CRS Class 5 and the mandatory purchase rule.
  30. Collier County 2025 Flood Protection Newsletter.
  31. Collier County Floodplain Management Section, Letters of Map Change and elevation certificates.
  32. Collier County GIS services directory, evacuation zone, Coastal High Hazard Area and elevation certificate layers.
  33. NOAA National Hurricane Center, National Storm Surge Hazard Maps.
  34. NOAA National Hurricane Center, Tropical Cyclone Report, Hurricane Ian.
  35. National Weather Service Miami, Hurricane Ian summary.
  36. National Weather Service Miami, Hurricane Milton impact narratives.
  37. Florida Building Commission, wind-borne debris regions final report.
  38. Florida Building Commission, ASCE 7-16 fact sheet.
  39. Florida Building Commission, codes page, 8th Edition effective date.
  40. Citizens Property Insurance Corporation, Policies in Force, April 30, 2026.
  41. Florida Division of Emergency Management, evacuation zone maps.
  42. Florida Statutes 2026, section 720.401, disclosure summary for homeowners’ associations.
  43. Florida Statutes 2026, section 720.30851, estoppel certificates.
  44. Florida Statutes 2026, section 689.261, property tax disclosure.
  45. Florida Statutes 2026, section 689.302, flood disclosure.
  46. Florida Statutes 2026, section 201.02, documentary stamp tax on deeds.
  47. Florida House staff analysis of 2024 HB 979, estoppel fee caps.
  48. Florida DBPR, estoppel certificate fee schedule.
  49. Florida Department of Revenue, documentary stamp tax.
  50. Florida Department of Revenue, property tax for taxpayers, calendar-year basis and payment in arrears.
  51. Florida Department of Revenue, form DR-501T, homestead portability.
  52. Collier County Tax Collector, property tax.
  53. Collier County Tax Collector, tax search.
  54. Collier County Tax Collector, non-ad valorem taxing authorities.
  55. Collier County, FY2026 solid waste rate resolution 2025-184.
  56. Collier County GIS, Community Development Districts view, zero districts over Riverstone.
  57. Collier County Public Schools, attendance zone lookup.
  58. Collier County Public Schools, 2026-27 attendance zone map.
  59. Collier County Public Schools, attendance boundaries.
  60. Florida Department of Education, school grades.
  61. Florida Department of Education, 2025-26 School Grades Results Packet.
  62. Laurel Oak Elementary School.
  63. Oakridge Middle School.
  64. Aubrey Rogers High School.
  65. Collier County Growth Management, PUD Master List, June 11, 2026.
  66. NAR, what the settlement means for home buyers and sellers.
  67. NAR, settlement FAQs.
  68. IRS Publication 523, Selling Your Home.
  69. Florida Statutes 2026, chapter 475, real estate brokers and sales associates.

Downloadable Documents

These official documents bear most directly on selling a Riverstone home, from the statutes that set the disclosure summary, the estoppel and the tax and flood disclosures to the FEMA determinations that remove all 802 homes from the mapped hazard area. Each link opens the issuing authority’s own copy.

Document Issued by What it tells a Riverstone seller Link
Section 720.401, disclosure summary Florida Legislature The buyer’s disclosure and cancellation right Read section 720.401
Section 720.30851, estoppel certificates Florida Legislature Issue deadline, validity period and fee caps Read section 720.30851
Estoppel certificate fee schedule Florida DBPR The inflation-adjusted fee amounts Open the fee schedule
Section 689.261, property tax disclosure Florida Legislature The summary a seller gives before the contract Read section 689.261
Section 689.302, flood disclosure Florida Legislature What a seller must state about flooding, claims and assistance Read section 689.302
FEMA LOMR-F 13-04-3486A, Riverstone Plat Three FEMA A sample determination letter, with lot elevations Open the letter
FEMA LOMA 12-04-4256A, Saturnia Falls Phase One FEMA The Letter of Map Amendment for lots 1 to 190 Open the letter
Collier County 2026 Flood Protection Newsletter Collier County CRS Class 5 and the lender purchase rule Open the PDF
Riverstone governing documents Riverstone at Naples HOA The Declaration, Bylaws and Rules a buyer will request Open the library
Resale and Rental Information Riverstone at Naples HOA The written sale notice and estoppel routing Open the page
IRS Publication 523, Selling Your Home Internal Revenue Service The home-sale exclusion Open Publication 523
Form DR-501T, homestead portability Florida Department of Revenue Moving a Save Our Homes benefit to a new homestead Open form DR-501T

The association’s recorded Declaration, Bylaws and amendments can also be requested from the Collier County Clerk, and the current estoppel is issued through the association’s document service.

Market data from the Southwest Florida MLS, pulled September 15, 2026. Collier County recorded sales through August 31, 2026. McGreevy and Comisar, sell your Riverstone home with the #1 Team in Southwest Florida since 2012. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.