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List Price

$1,584,000

1301 Ivy, Naples, FL 34117

158 days on market↓ $591K from original list price

Estimated Payment

$13,200/mo

$0 down with a USDA loan and current market rates

Bedrooms5 bdBathrooms4 baLiving area4,200 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2022

Listed by

Juan David Chaparro

Clever Home Selling

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

ENERGY INDEPENDENCE, PRIVATE WELL WATER & SELF-SUFFICIENT LIVING! Discover a rare opportunity to own a custom-built 2022 all-steel barndominium on 5 private acres in Golden Gate Estates, with the option to expand to 15 contiguous acres. Designed for greater independence from traditional utilities, this exceptional...

1301 Ivy, Naples, FL 34117 in Naples, FL 34117 is listed for $1,584,000. The home has 5 bedrooms, 4 bathrooms, and 4,200 square feet, and was built in 2022. Listed 158 days ago. The price was reduced from $2,175,000. The listing is held by Clever Home Selling.

34117 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$7,098 (tax year 2025)

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 the latest published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$13,200/moest.

0% down -- about $2,717 more per month than 20% down conventional.

  • Principal & Interest 82%
  • Property Taxes 4%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$10,821
Property Taxesfrom listing
$592
Insurance
$1,320
USDA Annual Fee
$467

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

Included in your loan amount

USDA Guarantee Fee (financed)
$15,840

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

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

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 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.

Need a mortgage?

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One request. One follow-up.

No barrage of calls or emails.

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Frequently Asked Questions

The estimated monthly payment is $13,200, 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 $7,098 for tax year 2025. 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.

Based on information from the Florida Gulf Coast Multiple Listing Service, Inc. for the period Nov 12, 2026 4:57 AM ET through Nov 13, 2026 4:57 AM ET. MLS# 1173844739. HomeJam is not the listing broker.

List Price

$1,584,000

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