510 12TH AVENUE NW, NAPLES, FL, 34120
Active16 days on marketListed Oct 22, 2026MLS #C7532356
About this home
510 12TH AVENUE NW
Virtually Staged. Seller concession of 2.5prcent of the purchase price available for buyers, subject to acceptable contract terms and seller approval. Spacious and upgraded 4-bedroom, 3-bathroom home located on 1.32 acres in Golden Gate Estates, Naples, FL, with a private screened-in pool and integrated spa, offering privacy, comfort, and modern improvements with no HOA. The property features commercial-grade impact-resistant windows and glass doors with tempered glass and UV protection to help reduce UV exposure. Enjoy a brand-new water filtration system, brand-new air conditioning with a 10-year warranty, a new tankless water heater, and an updated electrical system with an automatic transfer switch, ready for a backup generator connection. Additional upgrades include a new sprinkler system, new recessed lighting throughout the home, new pool equipment, a new pool heater, and new pool lights. The pool was remodeled approximately three years ago and remains in very good condition, while the integrated spa heats up in approximately 45 minutes for a relaxing jacuzzi experience. The property also features landscape lighting infrastructure in the rear, underground conduits for future lighting and an automated entrance gate, and new underground Comcast and AT&T conduits running from the utility pole to the house. Two sheds provide additional storage, and dedicated conduits and water lines are already in place for two RV hookups. Inside, enjoy an open floor plan with tile flooring, granite countertops, wood cabinetry, stainless steel appliances, skylights, a cozy fireplace, two primary suites, walk-in closets, and a spacious screened lanai overlooking the private backyard. Conveniently located on 12th Avenue NW, with access to Wilson Boulevard and Vanderbilt Beach Road, the property is minutes from nearby schools, shopping, grocery stores, and medical clinics, providing convenient access to everyday essentials. The home is available for long-term rental at $3,800 / month.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,814
Sqft
1.32 ac
Lot size
1996
Year built
One
Levels
$385
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,986 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,986/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−4.1%
$/sqft vs Naples actives
$385 vs $310
Days on market
16 vs 32 typical
Where $385/sqft sits among the 39 Naples actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Golden Gate Estates
Get to know Naples. See the full Naples guide →
Golden Gate Estates — neighborhood snapshot
Population
42,042
Median age
44
Median income
$97,672
Median home value
$434,402
Avg household
3
Households w/ children
3,942
For the school run
Collier County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Naples market
$560K → $450K
Naples median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
11 of 39
Naples actives have cut their price
Median sold price, Naples, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 169% above the NAPLES 34120 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 510 12TH AVENUE NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$419,000
440 20TH AVENUE NW
4 bd · 2 ba · 1,688 sqft · $248/sqft · 0 DOM
Sold · Nov ’25$800,000
610 9TH STREET NW
3 bd · 3 ba · 2,278 sqft · $351/sqft · 242 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 510 12TH AVENUE NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 510 12TH AVENUE NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
510 12TH AVENUE NW FAQs
What would the monthly payment be for 510 12TH AVENUE NW?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,986/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 510 12TH AVENUE NW?+
The most recent tax bill on record (2025) was $1,984. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Naples?+
At $699,000, this home is listed about 29% above the Naples median of $539,950. The market section on this page shows how the area is trending.
Which schools are assigned to 510 12TH AVENUE NW?+
Cypress Palm Middle School (middle), Sabal Palm Elementary School (elementary), Palmetto Ridge High School (high) — Collier County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MATO REALTY, LLC · Becky Mato. MLS #C7532356.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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