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List Price

$441,368

1786 Clearwater Preserve Unit 202, Naples, FL 34114

173 days on market↓ $92K from original list price

Estimated Payment

$4,112/mo

$0 down with a USDA loan and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,735 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2026

Listed by

Marcia Toalson

Mattamy Real Estate Services

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.

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

This Serene Coach Home in Summerlit offers a bright, open layout enhanced by warm, inviting finishes throughout. The main living area flows effortlessly into a well-appointed kitchen featuring light natural-toned cabinetry with soft-close doors and drawers, off-white quartz countertops with subtle veining, a coordinating tile backsplash, and a spacious island ideal for everyday living or entertaining. Tile flooring extends through the main living spaces, while the bedrooms are comfortably carpeted to create a cozy retreat. The primary suite includes a generous walk-in closet and a beautifully finished bathroom with a raised-height dual-sink vanity, quartz counters, and a tiled shower with bench seat. A second bedroom and bathroom provide flexibility for guests or a home office. Additional highlights include impact-resistant windows, a screened lanai, washer and dryer included, and ENERGY STAR appliances. Residents enjoy Summerlit’s resort-style amenities, including a community pool, amenity center, pickleball courts, fire pit gathering area, and dog park, all surrounded by lush landscaping and conveniently located near shopping, dining, Downtown Naples, and Marco Island beaches.

1786 Clearwater Preserve Unit 202, Naples, FL 34114 in Naples, FL 34114 is listed for $441,368. The home has 2 bedrooms, 2 bathrooms, and 1,735 square feet, and was built in 2026. Listed 173 days ago. The price was reduced from $533,368. The listing is held by Mattamy Real Estate Services.

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$0 (tax year 2025)
HOA fee$639 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

$

$4,112/moest.

0% down -- about $749 more per month than 20% down conventional.

  • Principal & Interest 72%
  • Insurance 9%
  • HOA 16%
  • USDA Fee 3%
Principal & Interest
$2,975
Property Taxesfrom listing
$0
Insurance
$368
HOA
$639
USDA Annual Fee
$130

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

Included in your loan amount

USDA Guarantee Fee (financed)
$4,414

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 $4,112, 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 $0 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.

Listing information provided by Florida Gulf Coast MLS. MLS# 1157092025. HomeJam is not the listing broker.

List Price

$441,368

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