David Ramirez
$300,000≈$2,119 /mo all-in ↓

39TH AVENUE NW, NAPLES, FL, 34120

Active18 days on marketListed Jul 17, 2026MLS #O6425961

✦ Priced 48% below the Naples medianGOLDEN GATE ESTATE UNIT 37

About this home

39TH AVENUE NW

100% upland. DEP report in hand. Discover the perfect opportunity to own 2.73 acres of vacant land in Naples, FL 34120 (Parcel ID: 38552720004). Located in the desirable Golden Gate Estates area, this spacious parcel offers plenty of room to build your custom dream home, guest house, workshop, or create your own private retreat while enjoying the tranquility of country living. Conveniently situated with easy access to shopping, dining, schools, healthcare, and the beautiful Gulf beaches, this property provides the ideal balance of privacy and accessibility. Private well required for water and septic required for sewer. Electricity is available nearby (buyer to verify availability and connection costs with the appropriate utility providers). With no HOA and ample space for your vision, this is an outstanding opportunity to invest in one of Naples' fastest-growing areas.

Facts & features

The home at a glance

2.73 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$726/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

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

$2,119 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,766
FHA mortgage insurance (est.)$133
Property tax — 2025 actual bill$61
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $10,500
Interest rate6.00%
Loan term

Estimated payment

$2,119/mo

Principal & interest$1,766
FHA mortgage insurance (est.)$133
Property taxes (actual bill)$61
Est. insurance$160

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.

The numbers that matter

The Naples market

Seller’s marketLeans buyer — 11.2 months of inventoryBuyer’s 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 48% below the Naples median. See the full Naples market guide →

Paper trail

This home's history

Jul 17, 2026Listed at $300,000 · 18 days on market since

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 39TH AVENUE NW — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 39TH AVENUE NW — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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Straight answers

39TH AVENUE NW FAQs

What would the monthly payment be for 39TH AVENUE NW?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,119/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 39TH AVENUE NW?+

The most recent tax bill on record (2025) was $726. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Naples?+

At $300,000, this home is listed about 48% below the Naples median of $575,000. The market section on this page shows how the area is trending.

Keep looking

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Listing courtesy of SUNLAND REAL ESTATE, LLC. · Javier Santana. MLS #O6425961.

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 Stellar MLS.

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