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Listing prices are public. The mandatory cost of owning — HOA, CDD, club structures, and the one-time lines at closing — mostly isn’t. This index publishes those figures for 28 Naples communities, each traced to a primary document or honestly marked not yet verified, and freezes them in dated, citable quarterly editions.
Read the current edition — Q3 2026 → Run it for one home →
The index compares communities. The calculator turns that into a monthly number for one purchase price, one community and one way of owning it — property tax at the mills Collier actually bills, dues, and insurance.
Every community lands in one of three states, and the state is the finding:
Editions never move: each quarter’s release keeps its URL, its CSV, and its figures forever, with corrections applied in place, logged in a visible changelog, and version-stamped. Cite the edition, not the hub.
The index tracks 28 Naples-area communities, selected from the communities buyers most often ask this team about. Coverage is deliberately partial and stated per edition (“9 of 28 with a document-traced monthly range” for Q3 2026); the pending list is the verification queue, published by name. Nothing here is a Naples-wide average, and no edition claims to represent communities it doesn’t cover.
Mandatory recurring monthly cost = master HOA + CDD assessment for the community’s most common home type, as printed on the source document. It excludes property tax, insurance, utilities, optional club dues, and per-building condo or sub-association fees except where noted. Property tax and insurance are planned components of future editions; they are not silently estimated in this one. The one-time line is the buyer-side cost at closing (capital contributions, transfer and application fees) where documented.
In order of trust: adopted/approved association budgets and estoppel certificates → club fee schedules and recorded covenants → county records (tax bills, district registers, GIS layers) → association-published documents. Listing-feed and MLS data are never the basis for a published figure. Every figure is quoted as printed — never annualized, averaged, or extrapolated — and each row carries the vintage year of its backing document, because a row is only as fresh as its stalest source.
“Varies” is a finding, not a failure: where documents print assessments separately (by neighborhood, tier, or lot width), we publish the components and refuse the fake total. A reported “no HOA” is treated as an unverified claim until a recorded document confirms it. Zero, unknown, and not-applicable are kept distinct everywhere, including the CSV.
Quarter-over-quarter changes are only ever computed between figures documented in both editions (a matched set). Coverage growth is reported separately from cost change, so an expanding index can’t masquerade as a market move.
Before each release, the dataset passes an automated internal-consistency check (components must not exceed stated totals, every figure must carry its scope note and source) plus a manual reconciliation against the documents on file. Errors found after publication are corrected in place with a dated changelog entry and a version bump — the edition URL and everything else on it stays put. To dispute a figure, contact the team or call (239) 877-4646; if your association’s current budget shows a different number, send it and we’ll correct against the document and log it.
The index is published by The Nicholas Nolan Team at Realty ONE Group MVP, a real-estate team operating as transaction brokers under Florida law. No community, association, builder, or club pays for inclusion, exclusion, or placement, and none is consulted on findings. We publish it because these are the numbers buyers ask us for and the brochures skip — and because being the source that shows its documents, including its gaps, is the entire point.
Our original tables, charts, figures, and text are free to reproduce with credit and a link to the edition you’re citing — each edition page carries a copyable source line. The underlying association documents belong to their associations and are not relicensed by us. Figures are a comparison aid, not a quote: they vary by home type and association and change year to year, so verify per home via the association or estoppel before relying on them.
Educational content — not legal, tax, financial, or insurance advice. See the Community Fee Matrix for the living comparison view that updates between editions, and each community’s own page for context behind its numbers.