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Vera Vita Real Estate

— About this home

Nestled on 2.5 acres of 100% upland in Golden Gate Estates, this home offers luxury, privacy, and functionality. Featuring an open layout with soaring ceilings, modern finishes, and a living room with a custom feature wall, gas fireplace, wet bar, and built-ins. The kitchen includes a hidden prep area and walk-in pantry. The study with closet works as a guest room. The owner’s suite has a spa bath, outdoor shower, and direct access to the screened pool with fireplace and grill. No HOA and plenty of land to expand.

— Facts & features

Interior

  • First Floor Entry
  • Built-in Features
  • Pantry
  • Split Bedroom
  • Wet Bar
  • Den/Library/Office
  • Great Room

Exterior

  • Built-In Grill
  • Lighting
  • Outdoor Shower

Appliances

  • Dishwasher
  • Disposal
  • Microwave
  • Other Equipment/Appliances
  • Gas Range
  • Refrigerator
  • Water Softener Owned

Cooling & heating

  • Central Air
  • Central

Flooring

  • Tile

Parking

  • Additional Spaces Available
  • Driveway
  • Paver Block

View

  • Pool

Security

  • Smoke Detector

Laundry

  • Washer/Dryer Hook-Up

Pets

  • Yes

Construction & roof

  • Concrete Block Construction
  • Metal Roof

— Location

524 13th St Sw, 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% · $450,000
%
$1,800,000 financed· Jumbo loan
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Loan exceeds the conforming limit. Jumbo rates from portfolio lenders typically run 0.25–0.75% below the 30-yr fixed shown here.
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
$15,362
Per month, all-in
78%P&I SHARE
Monthly breakdown
  • Principal & interest$11,96978%
  • Property taxes$1,3769%
  • Insurance$2,01613%

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
$522,146
Income to qualify
$659,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $144/mo and $52,085 over the life of this loan.

Over the life of the loan
Total paid
$4,308,984
Total interest
$2,508,984
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.