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List Price

$480,000

1074 Enbrook, Naples, FL 34114

244 days on market

Estimated Payment

$4,168/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,496 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2024

Listed by

Marlin Nunez Henriquez

MARZUCCO REAL ESTATE

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

SELLER OFFERING BUYER CONCESSIONS. Beautifully maintained home located within a gated, amenity-rich community offering resort-style living. This thoughtfully designed residence features an open and functional floor plan filled with natural light, ideal for both everyday living and entertaining. Turn-key property offered fully furnished. The versatile den can easily be converted into an additional bedroom, offering flexibility and added value. The home offers well-appointed living spaces, a modern kitchen with ample cabinetry and counter space, comfortable bedrooms, and a private outdoor area perfect for relaxing or enjoying Florida’s lifestyle. Pride of ownership is evident throughout.

1074 Enbrook, Naples, FL 34114 in Naples, FL 34114 is listed for $480,000. The home has 3 bedrooms, 2 bathrooms, and 1,496 square feet, and was built in 2024. Listed 244 days ago. The listing is held by MARZUCCO REAL ESTATE.

34114 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,309 (tax year 2024)
HOA fee$200 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$4,168/moest.

0% down -- about $813 more per month than 20% down conventional.

  • Principal & Interest 78%
  • Property Taxes 5%
  • Insurance 10%
  • HOA 5%
  • USDA Fee 3%
Principal & Interest
$3,235
Property Taxesfrom listing
$192
Insurance
$400
HOA
$200
USDA Annual Fee
$141

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$4,800

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $4,168, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,309 for tax year 2024. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR778769693. HomeJam is not the listing broker.

List Price

$480,000

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