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Vera Vita Real Estate

— About this home

SELLER TO OFFER A REBATE ON CLUB MEMBERSHIP FEE to the BUYER on this Beautiful, Corner Unit on Serene Pond with Screened Lanai and attached one-car garage. This freshly painted, light and bright unit features 2 bedrooms and 2 bathrooms plus open den; newer quartz counters, freshly painted cupboards, new microwave in open kitchen; beautiful new chandelier in dining room; new LV floors in bedroom areas and tile in living areas; new counters and new lighting in both bathrooms; brand-new LC washer and dryer in laundry room. Great, friendly, small community with pool. Whisper Trace is located in Fiddler's Creek, a 5+ amenities rich membership community with 2 pools, 2 restaurants, state-of-the-art gym, tennis courts, pickleball courts, classes, events and more! Beach and Golf Club membership is additional. Start living the Fiddler's Creek Lifestyle as an end user or investment opportunity.

— Facts & features

Interior

  • First Floor Entry
  • No Additional Rooms

Cooling & heating

  • Central Air
  • Central

Flooring

  • Ceramic Floor

Parking

  • Deeded
  • No Motorcycle
  • No Rv/Boats
  • No Trucks/Trailers

View

  • Lagoon

Community amenities

  • Clubhouse-Clubroom
  • Exercise Room
  • Heated Pool
  • Pickleball
  • Sauna
  • Spa/Hot Tub

Security

  • Guard At Site
  • Other

Maintenance includes

  • All Amenities
  • Building Exterior
  • Cable Tv
  • Common Area
  • Insurance
  • Internet/WiFi
  • Landscaping/Lawn Maintenance

Pets

  • Yes

Construction & roof

  • CBS Construction

— Location

8385 Whisper Trace LN Apt., Naples

— Mortgage Estimator

Estimate your monthly cost.

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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% · $79,800
%
$319,200 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
$3,323
Per month, all-in
64%P&I SHARE
Monthly breakdown
  • Principal & interest$2,12364%
  • Property taxes$40312%
  • Insurance$32510%
  • HOA$47214%

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
$97,718
Income to qualify
$143,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $26/mo and $9,237 over the life of this loan.

Over the life of the loan
Total paid
$764,127
Total interest
$444,927
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.