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Vera Vita Real Estate

— About this home

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

Interior

  • First Floor Entry
  • Family Room
  • Utility Room/Laundry

Exterior

  • Lighting
  • Fruit Trees
  • Room For Pool

Appliances

  • Dishwasher
  • Dryer
  • Microwave
  • Electric Range
  • Refrigerator
  • Washer

Cooling & heating

  • Central Air
  • Central

Flooring

  • Ceramic Floor

Parking

  • Additional Spaces Available
  • Driveway
  • Rv/Boat Parking

View

  • Garden

Laundry

  • Utility Room/Laundry

Pets

  • Yes

Construction & roof

  • Concrete Block Construction
  • Stucco
  • Flat Tile
  • Shingle

— Location

3646 28TH AVE SE, 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% · $135,555
%
$542,222 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
$4,518
Per month, all-in
80%P&I SHARE
Monthly breakdown
  • Principal & interest$3,60680%
  • Property taxes$3618%
  • Insurance$55212%

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
$160,812
Income to qualify
$194,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $44/mo and $15,690 over the life of this loan.

Over the life of the loan
Total paid
$1,298,014
Total interest
$755,792
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.