What it costs to own at Naples Beach Club, and what comes with it.
Buying at Naples Beach Club is two decisions: the residence and the club. Association dues come with every residence; club membership, which opens the golf course, the Racquet Club and the residents’ beach amenities, is optional and priced separately. This guide sets out the dues, the membership terms, the rental rules and which amenities belong to residents, members and resort guests, so the full cost is clear before you commit.
Cost of Ownership at a Glance
| Association Dues | Estimated at about $3.00 a square foot a month; a Beachside resale lists $116,400 a year for 3,440 square feet, about $2.82 |
| Club Membership | Optional and applied for separately: about $200,000 initiation, 80% of it equity, and about $27,500 in annual dues |
| Membership Type | Vertical: parents, children and grandchildren can use the club when the member is away |
| Social Memberships | Not offered; no social or corporate memberships |
| Golf | The Gardens, an 18-hole Tom Fazio course on about 100 acres; the developer expects completion in late December 2026, and Four Seasons lists golf as opening in early 2027 |
| Rentals | Beachside: not permitted except to other owners. Golfside: six residences in Building E can join the Four Seasons rental program |
| Parking | Beach Houses and Penthouses: private garages of three to six spaces; other residences: two assigned spaces |
| Services | 24-hour residential concierge; room service, housekeeping and laundry from the Four Seasons |
Naples Beach Club - Active Listings
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We can send the association budget, membership terms and rental rules for any residence you are considering, and walk through them with you before you sign. As independent buyer’s advisors, our guidance costs you nothing. Call (239) 438-1102.
What a Year of Ownership Costs
Association dues at Naples Beach Club are estimated at about $3.00 a square foot a month, well above most Gulf-front condominiums in Naples because they carry a staffed, resort-level operation. The first real figure in the MLS comes in a little lower: a Beachside C-4 resale lists annual fees of $116,400 on 3,440 square feet, about $2.82 a square foot a month. Here is what the $3.00 estimate means for typical residences, with and without club dues.
| Residence | HOA Dues (Est.) | With Club Dues |
|---|---|---|
| Beachside C-4 3,440 sq ft, three bedrooms |
About $123,800 a year About $10,300 a month |
About $151,300 a year |
| Beachside A-3 4,752 sq ft, three bedrooms + den |
About $171,100 a year About $14,300 a month |
About $198,600 a year |
| Beachside A-1 6,681 sq ft, five bedrooms + study |
About $240,500 a year About $20,000 a month |
About $268,000 a year |
| Golfside three-bedroom About 3,000 sq ft |
About $108,000 a year About $9,000 a month |
About $135,500 a year |
These figures leave out property tax, insurance on the residence’s interior and contents, and the one-time membership initiation. The association’s budget in the condominium documents is the authority, and we review it with every client before a contract is signed.
Club Membership: How It Works
Membership is not included with a residence. Each buyer applies separately, and the club is optional. As reported in 2026, joining costs about $200,000, 80 percent of it equity, with annual dues of about $27,500. Membership opens The Gardens golf course and its practice facilities, the Racquet Club and the club’s other amenities, and members can use the Four Seasons resort’s amenities subject to its reservation policies.
It is a vertical membership: a member’s parents, children and grandchildren can use the club even when the member is not on property, which is what makes it a family decision rather than a personal one. There are no social or corporate memberships. Discovery Land Company, the club operator behind Baker’s Bay Golf & Ocean Club and the Yellowstone Club, is the club partner.
Timing matters. The developer’s sales team expects the golf course to be finished in late December 2026, while Four Seasons lists golf as opening in early 2027, and membership is expected to open to residents around the time the course is ready. The pricing has also moved since launch: the first estimates in 2021 were about $150,000 to join and about $40,000 a year. Terms are set by the developer and can change, so we confirm them in writing before a client signs. To compare this membership with the other private beach clubs in Naples, see our Naples private beach clubs guide.
Residents, Members and Resort Guests: Who Uses What
Naples Beach Club layers three groups on one property: resort guests, residents and club members. Knowing which amenities belong to which group is the most common gap in what buyers are told.
| Amenity | Who Uses It | Details |
|---|---|---|
| Residents’ Beach Club | Club members | Spa and fitness, outdoor living room, members’ lounge, card room and Sunset Overlook |
| Residents’ Beach House & Pools | Club members | Adult and family pools with spas and cabanas, food and beverage, a Gulf-front lawn and the Outdoor Pursuits program |
| The Gardens Golf Course | Club members | 18 holes by Tom Fazio, hitting bays, putting course and The Shed clubhouse |
| Racquet Club | Club members | Six Har-Tru courts with a refreshment bar |
| Golfside Pools & Lake | Club members | Adult and family pools with spas and grills, and a lake pavilion and boardwalk, in a later phase |
| The Sanctuary Spa | Resort guests; members by reservation | 30,000 square feet on three levels, 13 treatment rooms, a thermal circuit and a 75-foot rooftop lap pool |
| Restaurants & Bars | Resort guests and diners | The Merchant Room by Gavin Kaysen, HB’s, the Sunset Bar and Naples Trading Company |
| Market Square | Resort and community | The Wager gastropub with bowling and The Picture House screening room, both opening in fall 2026, and FIN’s Club for children 4 to 12 |
| Residential Services | Owners | 24-hour concierge, airport transfers, provisioning, room service, housekeeping and laundry |
The Residents’ Club outdoor living room. Artist’s rendering.
Access rules are set by the club and the association documents and can change as the property opens in phases. Some resort venues are also open to the public by reservation.
Association Dues: What They Cover
Dues fund the staffed operation of each building: lobby and residential services staff, the 24-hour residential concierge, building systems, maintenance, landscaping, insurance on the common elements and reserves. The pre-sale estimate in 2021 was about $2.52 a square foot a month; today’s estimate is about $3.00. Beachside and Golfside residences sit in separate condominiums, so their budgets differ, and the governing budget is the one in the condominium documents for the building you buy.
Rental Rules
Beachside. With limited exceptions, the condominium documents do not permit owners to rent their residences, other than to other Naples Beach Club owners. City of Naples rules also limit rentals of fewer than 30 days to three a year.
Golfside. Building E is the exception: six of its twelve residences can be placed in the Four Seasons rental program and rented to resort guests. The other Golfside residences are private homes. Buyers who need rental income should start with Building E on our Golfside Residences page.
Security, Parking and Services
Gatehouses on both sides of Gulf Shore Boulevard North control vehicle access, building lobbies are staffed, and security patrols the grounds around the clock. Beach Houses and Penthouses have private garages of three to six spaces; other residences have two assigned spaces, and valet is available to residents and required for their guests. Every residence has air-conditioned storage on the garage level. A 24-hour residential concierge arranges airport transfers, provisioning and reservations, and room service, housekeeping, laundry and dry cleaning come from the Four Seasons.
Location and Getting Here
Naples Beach Club sits on Gulf Shore Boulevard North in Coquina Sands, a short drive from Fifth Avenue South and Third Street South. Naples Airport, which serves private aviation, is under five miles away, Southwest Florida International Airport is about 33 miles, and NCH Baker Hospital is about 1.5 miles.
More on Naples Beach Club
For residences and prices, see Beachside Residences, Golfside Residences and every plan compared in our Naples Beach Club floor plans guide, or start with the Naples Beach Club overview.
Explore Coquina Sands
More About Coquina Sands
Membership, Dues & Amenities Questions
How much does Naples Beach Club membership cost?
As reported in 2026, about $200,000 to join, 80 percent of it equity, with annual dues of about $27,500. Terms are set by the developer and can change, so confirm them in writing before you buy.
Is club membership required when you buy at Naples Beach Club?
No. Membership is optional and not included with a residence. Each buyer applies for it separately.
What does Naples Beach Club membership include?
The Gardens golf course and practice facilities, the Racquet Club, the residents’ beach club, pools and beach amenities, and use of the Four Seasons resort’s amenities subject to its reservation policies.
Who can use a Naples Beach Club membership?
It is a vertical membership, so the member’s parents, children and grandchildren can use the club even when the member is not on property. There are no social or corporate memberships.
What are the HOA dues at Naples Beach Club?
Association dues are estimated at about $3.00 a square foot a month. A Beachside resale on the market in September 2026 lists $116,400 a year for 3,440 square feet, about $2.82 a square foot a month.
How much does it cost per year to own at Naples Beach Club?
At the $3.00 estimate, association dues run about $124,000 a year for a 3,440-square-foot Beachside residence and about $108,000 for a 3,000-square-foot Golfside residence. Club dues of about $27,500, property tax and insurance are additional.
Can you rent a residence at Naples Beach Club?
Beachside residences generally cannot be rented, except to other Naples Beach Club owners. In the Golfside, six of the twelve residences in Building E can be placed in the Four Seasons rental program.
When does the Naples Beach Club golf course open?
The developer’s sales team expects The Gardens to be finished in late December 2026, and Four Seasons lists golf as opening in early 2027. Membership is expected to open to residents around the time the course is ready.
What is the Residents’ Beach Club at Naples Beach Club?
A private club on the Beachside with a spa and fitness center, an outdoor living room, a members’ lounge, a card room and a Sunset Overlook, alongside the residents’ pools and beach house. It is for club members, separate from the hotel’s guests.
How much parking comes with a Naples Beach Club residence?
Beach Houses and Penthouses have private garages of three to six spaces. Other residences have two assigned spaces, and every residence has air-conditioned storage on the garage level.
Membership pricing, dues estimates, rental rules and amenity access are drawn from the developer’s materials, published reports and Naples Area Board of REALTORS® MLS data as of September 28, 2026; none is published by the developer as a final schedule. Terms change as the property opens and must be confirmed in the condominium and club documents and your contract before purchasing.
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