HOA, CDD, Collier County taxes, insurance — the complete all-in monthly cost for three real buyer scenarios at Del Webb Naples in Ave Maria. The lowest true monthly cost of any large resort active adult community in the Naples metro.
Del Webb Naples is frequently cited as the most affordable large resort active adult community in the Naples area. That reputation is earned — but the complete picture requires adding the CDD to the HOA quote, understanding the Collier County first-year tax reset, and accounting for the inland insurance advantage. Here are the real numbers.
Del Webb Naples sits in the Ave Maria Stewardship CDD. Your annual CDD assessment ($1,500–$3,500 depending on lot) appears on your Collier County property tax bill as a non-ad valorem charge — not in any HOA disclosure you receive during touring. Always pull the actual parcel tax bill and add the CDD to your monthly budget.
| Cost Component | Annual | Monthly |
|---|---|---|
| HOA (Del Webb Naples) | $2,400–$3,600 | $200–$300 |
| CDD assessment (Ave Maria) | $1,500–$2,500 | $125–$208 |
| Collier County property tax (homestead yr 2+) | $2,440–$2,730 | $203–$228 |
| Homeowners insurance (new construction, inland) | $2,400–$4,000 | $200–$333 |
| True all-in monthly | $8,740–$12,830/yr | $728–$1,069 |
| Cost Component | Annual | Monthly |
|---|---|---|
| HOA | $2,400–$4,200 | $200–$350 |
| CDD assessment | $1,500–$3,000 | $125–$250 |
| Collier County property tax (homestead yr 2+) | $3,180–$3,560 | $265–$297 |
| Homeowners insurance (new construction, inland) | $2,800–$4,800 | $233–$400 |
| True all-in monthly | $9,880–$15,560/yr | $823–$1,297 |
| Cost Component | Annual | Monthly |
|---|---|---|
| HOA | $2,400–$4,200 | $200–$350 |
| CDD assessment | $2,000–$3,500 | $167–$292 |
| Collier County property tax (homestead yr 2+) | $4,290–$4,800 | $358–$400 |
| Homeowners insurance (new construction, inland) | $3,200–$5,500 | $267–$458 |
| True all-in monthly | $11,890–$18,000/yr | $991–$1,500 |
Have questions about what you're reading? A specialist can walk you through real costs, honest comparisons, and what's actually available right now — free, no obligation.
Talk to a Specialist →In your first year at Del Webb Naples, your Collier County assessed value equals your full purchase price — there is no prior-owner Save Our Homes discount. On a $480K purchase, your first-year tax bill will be approximately $200–$400 higher than the scenarios above (which use year 2+ homestead estimates). Budget for a higher first-year bill; the SOH 3% cap normalizes costs from year two onward.
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At the $480K mid-tier scenario, Del Webb Naples true carrying cost of approximately $823–$1,297/month accumulates to approximately $197,520–$311,280 over 20 years. Compare this to a comparable community in coastal Lee County where carrying costs might run $1,400–$1,900/month: the 20-year cumulative difference is $138,000–$194,000 in Del Webb Naples' favor. That is the financial case for choosing distance over location.
We can run your specific home price, lot type, and CDD phase before you tour.
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