7538 Citrus Hill Ln, Naples FL 34109, NAPLES, FL, 34109
Active30 days on marketListed Jul 11, 2026MLS #A12052178
About this home
7538 Citrus Hill Ln, Naples FL 34109
Welcome to paradise! This is an exceptional 3-bedroom, 2-bath pool home in the highly sought-after gated community of The Orchards in North Naples. Offering 2,197 square feet of thoughtfully designed living space, this beautifully well kept residence features vaulted ceilings, crown molding, PGT WinGuard impact resistant windows and sliding doors, hurricane rated garage door, upgraded island kitchen, pantry, and breathtaking lake views. The open concept floor plan flows seamlessly from the foyer into the spacious living and dining areas, extending to the screened lanai, perfect for entertaining. Step outside to your private tropical retreat featuring a heated solar pool and spa, where you'll enjoy warm afternoon sunshine and spectacular sunset views over the lake. The expansive 12' x 20' primary suite serves as a peaceful sanctuary, complete with dual vanities, a beautifully updated rain shower, and a generous walk-in closet. It has two additional bedrooms for family & guests. Additional features include a charming breakfast nook, a dedicated workspace, an in-residence laundry room with a utility sink, pull down attic stairs for additional storage, custom built-in cabinetry, and elegant window treatments throughout. The Orchards offer resort-style amenities, clubhouse, fitness center, tennis and pickleball courts. Ideally located just minutes from white-sand beaches, world class shopping and dining options. One or more photo(s) has been virtually staged or AI generated.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,197
Sqft
2
Garage
1997
Year built
$398
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,929 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,929/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Naples actives
$398 vs $321
Days on market
30 vs 54 typical
Where $398/sqft sits among the 81 Naples actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Naples
Get to know Naples. See the full Naples guide →
NAPLES 34109 — neighborhood snapshot
Population
26,644
Median age
55.5
Median income
$91,073
Median home value
$628,700
Avg household
2.2
Households w/ children
2,422
For the school run
Collier County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Naples market
$535K → $568K
Naples median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
14 of 81
Naples actives have cut their price
Median sold price, Naples, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 224% above the NAPLES 34109 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 7538 Citrus Hill Ln
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$650,000
3408 DONOSO COURT
3 bd · 2 ba · 1,983 sqft · $328/sqft · 96 DOM
Sold · Apr ’26$975,000
9754 WILSHIRE LAKES BOULEVARD
4 bd · 3.5 ba · 2,465 sqft · $396/sqft · 623 DOM
Sold · Sep ’25$350,000
7750 GARDNER DRIVE UNIT 102
2 bd · 2 ba · 1,528 sqft · $229/sqft · 188 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7538 Citrus Hill Ln — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7538 Citrus Hill Ln — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
7538 Citrus Hill Ln FAQs
What would the monthly payment be for 7538 Citrus Hill Ln, Naples FL 34109?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,929/mo — principal and interest, the actual property-tax bill, the $182/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 7538 Citrus Hill Ln, Naples FL 34109?+
The association fee works out to $182 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7538 Citrus Hill Ln, Naples FL 34109?+
The most recent tax bill on record (2025) was $6,444. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Naples?+
At $875,000, this home is listed about 52% above the Naples median of $575,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7538 Citrus Hill Ln, Naples FL 34109?+
Barron Collier High School (high), Osceola Elementary School (elementary), Pine Ridge Middle School (middle) — Collier County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$875,000 runs 224% above the NAPLES 34109 median — but at 2,197 sqft it's also 24% larger than the typical Naples listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Barron Collier High School, Osceola Elementary School, Pine Ridge Middle School — Barron Collier High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Luxe Properties · Carola Garcia. MLS #A12052178.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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