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Vera Vita Real Estate

— About this home

$30,000 Buyer Incentive! Make your home purchase more affordable-apply it towards design upgrades, closing costs, HOA dues paid for 5 years and lender credits. Gated enclave in sought-after SE Naples. THE BEL AIR Offering 3 BDs+ LOFT/DEN,2.5 BAs, & a 2-car garage, for those who desire refined living w/low-maintenance ease. Builder Warranty. Light-filled open-concept living ft.9-foot ceilings, designer finishes & seamless indoor-outdoor flow. Kitchen showcases granite (upgrades available) counters, SS appliances, custom cabinetry & an oversized island. Upstairs, the primary suite offers a peaceful retreat w/spa-like BA, double vanities, a walk-in shower & generous closets.2 additional guest bds & a versatile LOFT provide room for family, guests, home office. Modern CH w/resort pool, gym & social lounge. NO CDD FEES & approx. $400 per/month dues. Minutes from Naples’ beaches, dining, shopping, this TH offers the perfect blend of luxury, convenience, and community.

— Facts & features

Interior

  • First Floor Entry
  • Closet Cabinetry
  • Custom Mirrors
  • Entrance Foyer
  • Other
  • Pantry
  • Walk-In Closet(s)
  • Den/Library/Office
  • Loft

Exterior

  • Other

Appliances

  • Dishwasher
  • Disposal
  • Electric Water Heater
  • Microwave

Cooling & heating

  • Central Air
  • Electric
  • Central
  • Electric

Flooring

  • Carpet
  • Tile
  • Wood

Parking

  • 2 Or More Spaces
  • Covered
  • No Rv/Boats

View

  • Garden View

Community amenities

  • Clubhouse-Clubroom
  • Community Room
  • Exercise Room
  • Exterior Lighting
  • Other
  • Pool

Security

  • Smoke Detector
  • Complex Fenced
  • Card Entry
  • Phone Entry

Laundry

  • Washer/Dryer Hook-Up

Maintenance includes

  • Common Area
  • Insurance
  • Internet/WiFi
  • Landscaping/Lawn Maintenance
  • Manager
  • Pool Service
  • Recreation Facilities
  • Reserve Fund
  • Sewer
  • Trash Removal

Pets

  • Restrictions Or Possible Restrictions

Construction & roof

  • Concrete Block Construction
  • CBS Construction
  • Stone

— Location

6085 BARBARA CIRCLE, Naples

— Mortgage Estimator

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeCollier
Collier County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $119,998
%
$479,992 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$4,448
Per month, all-in
72%P&I SHARE
Monthly breakdown
  • Principal & interest$3,19272%
  • Property taxes$3678%
  • Insurance$48911%
  • HOA$4009%

Tax: Collier County effective rate (0.73%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.

Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.

Cash & qualification
Cash at closing
$143,459
Income to qualify
$191,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $39/mo and $13,889 over the life of this loan.

Over the life of the loan
Total paid
$1,149,043
Total interest
$669,051
Paid off
2056
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The data relating to real estate for sale on this web site comes in part from the participants of the Miami Association of REALTORS® IDX program. Information is deemed reliable but not guaranteed. Listings displayed may not reflect all real estate activity in the market. Copyright © 2026 Miami Association of REALTORS®. All rights reserved.