Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
MOTIVATED SELLER! BRAND NEW 2025 CONSTRUCTION in Golden Gate Estates. This stunning 4-bedroom, 3-bath home offers a 3-car garage and sits on 2.27 acres with no HOA. Features include impact windows and doors, high ceilings, and a modern open-concept layout designed for comfort and entertaining. Enjoy outdoor living with a summer kitchen and spacious patio overlooking a canal in the rear. Horses allowed. Cash buyers welcome. A rare opportunity to own a brand-new home on acreage in a highly desirable area.
— Facts & features
Interior
- First Floor Entry
- Other
Exterior
- None
Appliances
- Electric Range
- Microwave
- Refrigerator
Cooling & heating
- Central Air
- Central
Flooring
- Tile
Parking
- Other
View
- None
Construction & roof
- Concrete Block Construction
- Shingle
— Location
2565 28th Ave Se, Naples
— Mortgage Estimator
Estimate your monthly cost.
For a personalized quote or pre-approval, we'll connect you with one of our trusted lending partners.
Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeCollier
Collier County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $161,980
%
$647,920 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$5,464
Per month, all-in
Monthly breakdown
- Principal & interest$4,30879%
- Property taxes$4959%
- Insurance$66012%
Tax: Collier County effective rate (0.73%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.
Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.
Cash & qualification
- Cash at closing
- $191,402
- Income to qualify
- $235,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $52/mo and $18,749 over the life of this loan.
Over the life of the loan
- Total paid
- $1,551,043
- Total interest
- $903,123
- Paid off
- 2056
— Preferred lender
Talk numbers with someone who knows the market.
Vera Vita is not a lender and does not earn a referral fee on lender introductions. Rates, terms, and approval remain between you and your lender of choice.
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