13458 Sumter Lane, Naples FL 34109, NAPLES, FL, 34109
Active504 days on marketListed Mar 21, 2025MLS #A11768419
About this home
13458 Sumter Lane, Naples FL 34109
PRICED TO SELL! Discover luxury in Marbella Isles with this exquisite 3-bed, 2-bath home. This property combines elegance with functionality, driveway with a 2-car garage. This home features a private, screened-in Terrace framed with brick pavers, offering an exclusive oasis for relaxation and entertainment. Enjoy the ease of a two-car garage and the tranquility of a vibrant community with exceptional amenities. Marbella Isles offers a resort-style pool, a kid-friendly pool with slides, pickleball, tennis courts, and a fully equipped clubhouse with a kitchen and community room. Stay active and entertained with an exercise room, media room, card room, and game room. The best of Naples just 10 minutes to beaches and Ritz Carlton Golf Community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,808
Sqft
2
Garage
2016
Year built
$337
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.
$4,707 /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
$4,707/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
$337 vs $321
Days on market
504 vs 56 typical
Where $337/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.
The investor lens
Two ways this home pays
This home sits inside Marbella, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,498/mo median
Live Naples rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Marbella Isles
Marbella is a short-term-rental community. See the full guide →
Marbella Isles — neighborhood snapshot
Population
1,345
Median age
56
Median income
$87,321
Median home value
$751,300
Avg household
2
Households w/ children
119
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 126% above the NAPLES 34109 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 13458 Sumter Lane
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 · Sep ’25$350,000
7750 GARDNER DRIVE UNIT 102
2 bd · 2 ba · 1,528 sqft · $229/sqft · 188 DOM
Sold · Nov ’25$1,812,500
6785 YARBERRY LANE
3 bd · 2 ba · 1,396 sqft · $1,298/sqft · 125 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 13458 Sumter Lane — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13458 Sumter Lane — 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
13458 Sumter Lane FAQs
What would the monthly payment be for 13458 Sumter Lane, Naples FL 34109?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,707/mo — principal and interest, the actual property-tax bill, the $732/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 13458 Sumter Lane, Naples FL 34109?+
The association fee works out to $732 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13458 Sumter Lane, Naples FL 34109?+
The most recent tax bill on record (2024) was $3,603. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 13458 Sumter Lane, Naples FL 34109 be rented short-term?+
Yes — this home sits inside Marbella, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 13458 Sumter Lane, Naples FL 34109?+
The listing reports pets: Restrictions Or Possible Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Naples?+
At $609,000, this home is listed about 5% above the Naples median of $577,995. The market section on this page shows how the area is trending.
Which schools are assigned to 13458 Sumter Lane, Naples FL 34109?+
Osceola Elementary School (elementary), Barron Collier High School (high), Pine Ridge Middle School (middle) — Collier County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$609,000 runs 126% above the NAPLES 34109 median.
02Zoned for nightly rentals
Marbella is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03City Lights & Garden views
The city lights and garden view is part of what you're buying — views hold value independently of the structure.
04Know the monthly fee
The association fee is $732/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Time on market is leverage
504 days on market against a Naples median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Exemplar Realty, LLC · Odalys Hernandez. MLS #A11768419.
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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