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List Price

$528,000

566 Vintage Reserve Unit #21-d, Naples, FL 34119

8 days on market

Estimated Payment

$5,451/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms3 baLiving area2,358 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1999

Listed by

Mike Shoaff

RE/MAX Hallmark Realty

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. Lake-view end-unit coach home in Vintage Reserve at Vineyards in Naples, Florida, featuring three bedrooms plus a den, three full bathrooms, and a two-car garage. The end-unit location brings in abundant natural light, complemented by volume ceilings and an open, inviting feel. Offered unfurnished and available for immediate occupancy, this home provides a flexible floor plan and an opportunity to update finishes to your own taste.

566 Vintage Reserve Unit #21-d, Naples, FL 34119 in Naples, FL 34119 is listed for $528,000. The home has 3 bedrooms, 3 bathrooms, and 2,358 square feet, and was built in 1999. Listed 8 days ago. The listing is held by RE/MAX Hallmark Realty.

34119 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$5,463 (tax year 2025)
HOA fee$779 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

$

$5,451/moest.

0% down -- about $909 more per month than 20% down conventional.

  • Principal & Interest 66%
  • Property Taxes 8%
  • Insurance 8%
  • HOA 14%
  • USDA Fee 3%
Principal & Interest
$3,621
Property Taxesfrom listing
$455
Insurance
$440
HOA
$779
USDA Annual Fee
$156

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

Included in your loan amount

USDA Guarantee Fee (financed)
$5,280

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 $5,451, 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 $5,463 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 27, 2026 5:57 AM ET through Oct 28, 2026 5:57 AM ET. MLS# 1193459871. HomeJam is not the listing broker.

List Price

$528,000

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