3646 28TH AVE SE, Naples FL 34117, NAPLES, FL, 34117
Active143 days on marketListed Mar 15, 2026MLS #A11982993
About this home
3646 28TH AVE SE, Naples FL 34117
A beautiful home built in 2020, featuring 3 bedrooms, 2 bathrooms, a modern open-concept design, spacious living areas, and an impeccable modern kitchen, all situated on a 2.27-acre lot. This property offers privacy, nature, and abundant space—including ample grounds to keep animals without restriction, park equipment, or build a swimming pool—allowing you to enjoy a tranquil setting surrounded by trees and wild birds. With its excellent location, this home is perfect for those seeking space and comfort, offering a lifestyle that allows you to enjoy a natural environment while remaining close to the city.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,789
Sqft
2
Garage
2020
Year built
$379
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 — not generic estimates.
$4,432 /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
$4,432/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
$379 vs $321
Days on market
143 vs 54 typical
Where $379/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 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)
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 311% above the NAPLES 34117 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 3646 28TH AVE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,257,000
5980 Painted Leaf Ln, Naples FL 34116 · same community
4 bd · 3.5 ba · 103 DOM
Sold · Jun ’26$389,900
4090 32ND AVENUE SE
3 bd · 2 ba · 1,775 sqft · $220/sqft · 86 DOM
Sold · Apr ’26$475,000
4045 34TH AVENUE SE
3 bd · 2 ba · 1,610 sqft · $295/sqft · 232 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 3646 28TH AVE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3646 28TH AVE SE — 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
3646 28TH AVE SE FAQs
What would the monthly payment be for 3646 28TH AVE SE, Naples FL 34117?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,432/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 3646 28TH AVE SE, Naples FL 34117?+
The most recent tax bill on record (2025) was $4,329. 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 3646 28TH AVE SE, 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 $677,777, this home is listed about 18% above the Naples median of $575,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3646 28TH AVE SE, 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
Three things that matter here
01Positioned at the premium end
$677,777 runs 311% above the NAPLES 34117 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
143 days on market against a Naples median of 54 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of LPT Realty, LLC · Richard Alzerreca. MLS #A11982993.
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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