David Ramirez
$799,0004 bd3 ba2,330 sqft$343 /sqft$5,213 /mo all-in ↓

3263 SE 40th Ave Avenue SE, Naples FL 34117, NAPLES, FL, 34117

Active119 days on marketListed Apr 15, 2026MLS #B26016078

Single Family ResidenceGOLDEN GATE EST UNIT 93

About this home

3263 SE 40th Ave Avenue SE, Naples FL 34117

2023 OSIRIS MODEL. Escape to this sprawling 2.5-ACRES PRIVATE OASIS on a serene, private street. Boasting 100% UPLAND, this lot is fully secured with a NEW PERIMETER FENCE and cleared land. REVERSE OSMOSIS SYSTEM INSTALLED! Inside, modern luxury meets smart technology with electric blinds on every window, accentuating the designer tray ceilings and elegant crown molding. Chef-inspired kitchen features genuine wood cabinetry, sleek Quartz countertops, and premium stainless steel. Retreat to a massive Primary Wing designed for royalty, complete with dual walk-in closets and a spa-style shower built for two. Savor the ultimate Florida lifestyle on the grand lanai, featuring a built-in outdoor kitchen overlooking your vast estate. This is the home you've been waiting for. You will see...

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,330

Sqft

2.5 ac

Lot size

2

Garage

2023

Year built

1

Levels

$343

Per sqft

Garden viewPets allowed

Inside

FlooringCeramic Floor · Tile
AppliancesElectric Water Heater · Dishwasher · Disposal · Dryer · Ice Maker · Microwave · Other Equipment/Appliances · Electric Range · Refrigerator · Washer
InteriorCooking Island · French Doors · Pantry · Split Bedroom · Vaulted Ceiling(s) · Volume Ceilings · Walk-In Closet(s)
CoolingCeiling Fan(s) · Central Air
HeatingCentral

Outside & construction

RoofComp Shingle Roof · Shingle
ConstructionStucco
ViewGarden
FacesSouth
Parking2 Or More Spaces · Driveway · Parking Garage
ExteriorBarbeque · Fruit Trees · Exterior Lights · Other · Room For Pool

Community & fees

Taxes (2025)$5,308/yr
PetsYes
CommunityPrivate Roads

Utilities & systems

UtilitiesCable Connected · Septic · Cable Available · Electricity Available · Water Available
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,213 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$442
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $79,900
Interest rate6.00%
Loan term

Estimated payment

$5,213/mo

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property taxes (actual bill)$442
Est. insurance$160

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

$343 vs $321

Days on market

119 vs 54 typical

Where $343/sqft sits among the 80 Naples actives

27
24 · this home
13
8
3
5
$214–279$279–343$343–408$408–473$473–538$538+

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

Map of 3263 SE 40th Ave Avenue SE, Naples FL 34117 inside its neighborhood boundary

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

MiddleCypress Palm Middle School★★★★★
ElementarySabal Palm Elementary School★★★★★
HighPalmetto Ridge High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Naples market

Seller’s marketLeans buyer11.1 months of inventoryBuyer’s market

$535K$568K

Naples median sold, yr/yr

96.2%

Sale-to-list ratio (12 mo)

13 of 80

Naples actives have cut their price

Median sold price, Naples, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 377% above the NAPLES 34117 median. See the full Naples market guide →

Paper trail

This home's history

Apr 15, 2026Listed at $799,000 · 119 days on market since
2023Built · GOLDEN GATE EST UNIT 93

Reality check

What actually sold near 3263 SE 40th Ave Avenue SE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3802 30th AVE SE, Naples FL 34117Sold · Apr ’26

$765,000

3802 30th AVE SE, Naples FL 34117

4 bd · 3.5 ba · 2,500 sqft · $306/sqft · 71 DOM

4090 32ND AVENUE SESold · Jun ’26

$389,900

4090 32ND AVENUE SE

3 bd · 2 ba · 1,775 sqft · $220/sqft · 86 DOM

2632 30th AVE SE, Naples FL 34117Sold · Aug ’25

$1,180,000

2632 30th AVE SE, Naples FL 34117

4 bd · 4.5 ba · 2,924 sqft · $404/sqft · 100 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3263 SE 40th Ave Avenue SE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3263 SE 40th Ave Avenue 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.

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Straight answers

3263 SE 40th Ave Avenue SE FAQs

What would the monthly payment be for 3263 SE 40th Ave Avenue SE, Naples FL 34117?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,213/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 3263 SE 40th Ave Avenue SE, Naples FL 34117?+

The most recent tax bill on record (2025) was $5,308. 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 3263 SE 40th Ave Avenue 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 $799,000, this home is listed about 40% above the Naples median of $570,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3263 SE 40th Ave Avenue 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

$799,000 runs 377% above the NAPLES 34117 median — but at 2,330 sqft it's also 32% larger than the typical Naples listing.

02Garden views

The garden view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

119 days on market against a Naples median of 54 — sellers in this position are usually ready to negotiate.

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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