8385 Whisper Trace LN Apt. # 104, Naples FL 34114, NAPLES, FL, 34114
Active166 days on marketListed Feb 25, 2026MLS #A11971918
About this home
8385 Whisper Trace LN Apt. # 104, Naples FL 34114
SELLER TO OFFER A REBATE ON CLUB MEMBERSHIP FEE to the BUYER on this Beautiful, Corner Unit on Serene Pond with Screened Lanai and attached one-car garage. This freshly painted, light and bright unit features 2 bedrooms and 2 bathrooms plus open den; newer quartz counters, freshly painted cupboards, new microwave in open kitchen; beautiful new chandelier in dining room; new LV floors in bedroom areas and tile in living areas; new counters and new lighting in both bathrooms; brand-new LC washer and dryer in laundry room. Great, friendly, small community with pool. Whisper Trace is located in Fiddler's Creek, a 5+ amenities rich membership community with 2 pools, 2 restaurants, state-of-the-art gym, tennis courts, pickleball courts, classes, events and more! Beach and Golf Club membership is additional. Start living the Fiddler's Creek Lifestyle as an end user or investment opportunity.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,629
Sqft
1
Garage
1999
Year built
$245
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.
$3,560 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,560/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
$245 vs $323
Days on market
166 vs 54 typical
Where $245/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.
Where it sits
Inside Fiddler's Creek
Get to know Naples. See the full Naples guide →
Fiddler's Creek — neighborhood snapshot
Population
2,921
Median age
69
Median income
$164,848
Median home value
$752,245
Avg household
2
Households w/ children
42%
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 68% above the NAPLES 34114 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 8385 Whisper Trace LN Apt. # 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,200,000
7657 MULBERRY LN, Naples FL 34114
3 bd · 4 ba · 3,281 sqft · $366/sqft · 11 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 8385 Whisper Trace LN Apt. # 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8385 Whisper Trace LN Apt. # 104 — 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
8385 Whisper Trace LN Apt. # 104 FAQs
What would the monthly payment be for 8385 Whisper Trace LN Apt. # 104, Naples FL 34114?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,560/mo — principal and interest, the actual property-tax bill, the $472/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 8385 Whisper Trace LN Apt. # 104, Naples FL 34114?+
The association fee works out to $472 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8385 Whisper Trace LN Apt. # 104, Naples FL 34114?+
The most recent tax bill on record (2025) was $4,836. 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 8385 Whisper Trace LN Apt. # 104, Naples FL 34114?+
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 $399,000, this home is listed about 30% below the Naples median of $570,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8385 Whisper Trace LN Apt. # 104, Naples FL 34114?+
Manatee Elementary School (elementary), Manatee Middle School (middle), Lely 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
$399,000 runs 68% above the NAPLES 34114 median.
02Lagoon views
The lagoon view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
166 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 $420,000, now $399,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Edgewater Realty & Homes LLC · Peggy Austen PA. MLS #A11971918.
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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