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List Price

$800,000

2021 Golden Gate, Naples, FL 34120

6 days on market

Estimated Payment

$6,729/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms2 baLiving area1,740 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1998

Listed by

Daniel Ivanov

Realty One Group MVP

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

A gated entrance opens to a long driveway that winds past a private pond and established mature trees set among carefully tended landscaping. The main residence offers 1,740 square feet with four bedrooms and two full baths, arranged in a split plan that keeps the primary suite comfortably separate. Vaulted ceilings give the living area an open, airy feel, and it flows directly onto a screened lanai overlooking the fully fenced yard. A two-car garage completes the main home, while the generous primary suite includes its own sitting or reading space. Toward the rear of the property stands a second structure that adds real utility: a guest house with a wrap-around porch plus an attached 900-square-foot air-conditioned garage/shop. Whether you’re looking for room to run a small business, store a vehicle collection, keep an RV or boat, or simply create extra living and workspace, this building expands the property’s possibilities without sacrificing the quiet setting.

2021 Golden Gate, Naples, FL 34120 in Naples, FL 34120 is listed for $800,000. The home has 4 bedrooms, 2 bathrooms, and 1,740 square feet, and was built in 1998. Listed 6 days ago. The listing is held by Realty One Group MVP.

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$3,912 (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

$

$6,729/moest.

0% down -- about $1,379 more per month than 20% down conventional.

  • Principal & Interest 82%
  • Property Taxes 5%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$5,500
Property Taxesfrom listing
$326
Insurance
$667
USDA Annual Fee
$236

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

Included in your loan amount

USDA Guarantee Fee (financed)
$8,000

30-year fixed at 7.229%, as of October 23, 2026

Assumptions

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

Mortgage rate: 7.229% for a 30-year fixed loan (Optimal Blue daily, published October 23, 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 $6,729, 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 $3,912 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 Oct 26, 2026 5:59 AM ET through Oct 27, 2026 5:59 AM ET. MLS# 1193686752. HomeJam is not the listing broker.

List Price

$800,000

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