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Vera Vita Real Estate

— About this home

Golden Gate Estates home on 2.75 acres featuring a split-bedroom layout, a spacious kitchen with ivory soft-close cabinets and beautiful countertops, plus a office room. Enjoy high ceilings and recessed lighting throughout. The property offers a large covered patio, garage, and a fully fenced lot with a private entrance. The grounds have been prepared for parking—perfect for an RV, boat, or semi-truck. Impact windows throughout for added security and efficiency.

— Facts & features

Interior

  • First Floor Entry
  • Cooking Island
  • French Doors
  • Pantry
  • Volume Ceilings
  • Den/Library/Office
  • Utility Room/Laundry

Exterior

  • Lighting
  • Room For Pool

Appliances

  • Dishwasher
  • Disposal
  • Dryer
  • Electric Water Heater

Cooling & heating

  • Central Air
  • Central

Flooring

  • Ceramic Floor

Parking

  • Driveway
  • Rv/Boat Parking
  • Slab/Strip

View

  • Garden

Laundry

  • Utility Room/Laundry

Pets

  • Yes

Construction & roof

  • Concrete Block Construction
  • Shingle

— Assigned schools

Elementary

S. D. Spady

School assignments should be independently verified.

— Location

3043 18, Naples

— Mortgage Estimator

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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% · $155,000
%
$620,000 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
$5,350
Per month, all-in
77%P&I SHARE
Monthly breakdown
  • Principal & interest$4,12377%
  • Property taxes$59611%
  • Insurance$63112%

Tax: From listing — annual tax of record.

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
$183,731
Income to qualify
$230,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $50/mo and $17,941 over the life of this loan.

Over the life of the loan
Total paid
$1,484,206
Total interest
$864,206
Paid off
2056
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The data relating to real estate for sale on this web site comes in part from the participants of the Miami Association of REALTORS® IDX program. Information is deemed reliable but not guaranteed. Listings displayed may not reflect all real estate activity in the market. Copyright © 2026 Miami Association of REALTORS®. All rights reserved.