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List Price

$1,049,990

2004 Don Benito, Naples, FL 34120

50 days on market↓ $110K from original list price

Estimated Payment

$9,980/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms4 baLiving area2,981 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2026

Listed by

Mckenna Potts

Pulte Realty Inc

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

Prepare to be completely captivated when you enter this stunning Layton Home featuring three spacious bedrooms plus a den, three and a half luxurious bathrooms, and a three-car garage with epoxy flooring and stucco wall finish located in highly desirable Naples in the New Construction Community of Terreno by DiVosta! This showstopper situated on an extra wide homesite with breathtaking, picturesque water views will delight you and will check all the boxes on your New Dream Home Wish List! The inviting open-concept kitchen boasting white cabinetry with Matte Black Hardware, an elegant Silestone island, elegant Silestone counters, and stylish backsplash epitomizes the heart of the home and is the place where you will create wonderful memories with friends and family by enjoying special meals together. This beautiful kitchen also offers a Built-In Appliance Package, a KitchenAid 48” Built-In Side by Side Refrigerator with Exterior Ice and Water Dispenser, an upgraded sink and faucet, and pendant pre-wiring. This gorgeous kitchen is perfect for hosting dinner parties with friends and for sharing meals with relatives!

2004 Don Benito, Naples, FL 34120 in Naples, FL 34120 is listed for $1,049,990. The home has 3 bedrooms, 4 bathrooms, and 2,981 square feet, and was built in 2026. Listed 50 days ago. The price was reduced from $1,159,750. The listing is held by Pulte Realty Inc.

34120 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$14,093 (tax year 2026)
HOA fee$449 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 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

$

$9,980/moest.

0% down -- about $1,801 more per month than 20% down conventional.

  • Principal & Interest 72%
  • Property Taxes 12%
  • Insurance 9%
  • HOA 4%
  • USDA Fee 3%
Principal & Interest
$7,173
Property Taxesfrom listing
$1,174
Insurance
$875
HOA
$449
USDA Annual Fee
$309

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

Included in your loan amount

USDA Guarantee Fee (financed)
$10,500

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.

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Frequently Asked Questions

The estimated monthly payment is $9,980, 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 $14,093 for tax year 2026. 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# 1191450231. HomeJam is not the listing broker.

List Price

$1,049,990

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