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List Price

$629,999

430 37th, Naples, FL 34120

7 days on market

Estimated Payment

$5,071/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,809 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2026

Listed by

Madison Bingham

Mato Realty, LLC

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

One or more photo(s) has been virtually staged, AI generated or rendered. ***HOME IS UNDER CONSTRUCTION AND WILL BE DONE BY END OF NOVEMBER 2026*** Discover modern living on a 1.14 acre lot on 37th Ave NE, just off Immokalee Road in the Golden Gate Estates. This Brand New construction home offers a perfect blend of modern design, comfort and functionality. With 3 bedrooms, a versatile den, and 2 beautifully designed bathroooms, this beautiful 1,809 sq. Ft. home is ideal for families, professionals, or anyone seeking a serene lifestyle. The open-concept layout seamlessly connects the living room, dining room ,and kitchen creating a warm and inviting ambience that’s perfect for both daily living and entertaining. Elegant features such as coffered ceilings and shingle roof add a touch of sophistication, while the impact resistant windows and doors offer a sense of security and energy efficiency.Best of all, the home comes equipped with a whole house reverse osmosis water system, giving you pure, clean water from every tap. Conveniently located near area new shopping plaza featuring Aldi, Chase Bank, a Dental Care at Winchester and so much more! This home provides buyers with the rare opportunity to own a new construction home in a growing area. Call today to make an appointment and make this beautiful home yours before it’s gone!

430 37th, Naples, FL 34120 in Naples, FL 34120 is listed for $629,999. The home has 3 bedrooms, 2 bathrooms, and 1,809 square feet, and was built in 2026. Listed 7 days ago. The listing is held by Mato Realty, LLC.

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$482 (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

$

$5,071/moest.

0% down -- about $1,084 more per month than 20% down conventional.

  • Principal & Interest 85%
  • Property Taxes 1%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$4,320
Property Taxesfrom listing
$40
Insurance
$525
USDA Annual Fee
$186

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

Included in your loan amount

USDA Guarantee Fee (financed)
$6,300

30-year fixed at 7.203%, as of October 26, 2026

Assumptions

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

Mortgage rate: 7.203% for a 30-year fixed loan (Optimal Blue daily, published October 26, 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 $5,071, 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 $482 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# 1193667448. HomeJam is not the listing broker.

List Price

$629,999

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