524 13th St Sw, Naples FL 34117, NAPLES, FL, 34117
Active394 days on marketListed Jul 8, 2025MLS #A11836667
About this home
524 13th St Sw, Naples FL 34117
Nestled on 2.5 acres of 100% upland in Golden Gate Estates, this home offers luxury, privacy, and functionality. Featuring an open layout with soaring ceilings, modern finishes, and a living room with a custom feature wall, gas fireplace, wet bar, and built-ins. The kitchen includes a hidden prep area and walk-in pantry. The study with closet works as a guest room. The owner’s suite has a spa bath, outdoor shower, and direct access to the screened pool with fireplace and grill. No HOA and plenty of land to expand.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3
Garage
2025
Year built
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 — not generic estimates.
$13,304 /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
$13,304/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.
Where it sits
Inside Golden Gate Estates
Get to know Naples. See the full Naples guide →
Golden Gate Estates — neighborhood snapshot
Population
42,042
Median age
44
Median income
$97,672
Median home value
$434,402
Avg household
3
Households w/ children
3,942
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)
Median sold price, Naples, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1264% above the NAPLES 34117 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 524 13th St Sw
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$477,000
3302 DESOTO BLVD S, Naples FL 34117 · same community
3 bd · 2 ba · 40 DOM
Sold · May ’26$460,000
1110 22ND AVE NE, Naples FL 34120 · same community
3 bd · 3 ba · 5 DOM
Sold · Jun ’26$500,000
3324 NE 27, Naples FL 34120 · same community
3 bd · 2 ba · 332 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 524 13th St Sw — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 524 13th St Sw — 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
524 13th St Sw FAQs
What would the monthly payment be for 524 13th St Sw, Naples FL 34117?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,304/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 524 13th St Sw, Naples FL 34117?+
The most recent tax bill on record (2024) was $1,913. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 524 13th St Sw, Naples FL 34117?+
The listing reports pets: Yes. 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 $2,250,000, this home is listed about 291% above the Naples median of $575,000. The market section on this page shows how the area is trending.
Which schools are assigned to 524 13th St Sw, Naples FL 34117?+
Cypress Palm Middle School (middle), Sabal Palm Elementary School (elementary), Palmetto Ridge High School (high) — Collier County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$2,250,000 runs 1264% above the NAPLES 34117 median.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
394 days on market against a Naples median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,495,000, now $2,250,000 — a $245K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Marzucco Real Estate · Lidia Martinez. MLS #A11836667.
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®.
Never miss a listing
New Naples homes, in your inbox
Like 524 13th St Sw, Naples FL 34117 but not quite? A daily digest of every new listing in Naples — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →