2521 NE 20th Avenue, Naples FL 34120, NAPLES, FL, 34120
Active492 days on marketListed Apr 8, 2025MLS #A11775239
About this home
2521 NE 20th Avenue, Naples FL 34120
Don't miss this opportunity to own 1.14 acres in the rapidly growing area of Golden Gate Estates, Naples, FL. No HOA and no restrictive community regulations. Preliminary environmental evaluations and conceptual planning have already been completed, supporting potential development feasibility for a single-family residence. Based on preliminary assessments and discussions with FDEP, the property offers a viable path for future development through the ERP permitting process. Beautiful newer homes are being built throughout the surrounding area, making this an excellent opportunity for investors, builders, or future homeowners looking to secure land in one of Naples’ fastest-growing areas.
Facts & features
The home at a glance
1.14 ac
Lot size
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.
$799 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$799/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Where it sits
Inside Naples
Get to know Naples. See the full Naples guide →
NAPLES 33903 — neighborhood snapshot
Population
23,199
Median age
63.4
Median income
$56,317
Median home value
$135,400
Avg household
1.98
Households w/ children
1,250
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Naples market
$535K → $568K
Naples median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
Median sold price, Naples, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% below the NAPLES 34120 median. See the full Naples market guide →
Paper trail
This home's history
Reality check
What actually sold near 2521 NE 20th Avenue
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$410,000
2206 NE 17th PL, Cape Coral FL 33909
4 bd · 2 ba · 84 DOM
Sold · Sep ’25$255,000
2038 NE 25th St, Cape Coral FL 33909
3 bd · 2 ba · 1,083 sqft · $235/sqft · 2 DOM
Sold · Sep ’25$226,000
2017 NE 15TH PLACE
2 bd · 2 ba · 1,108 sqft · $204/sqft · 64 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2521 NE 20th Avenue — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2521 NE 20th Avenue — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
2521 NE 20th Avenue FAQs
What would the monthly payment be for 2521 NE 20th Avenue, Naples FL 34120?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $799/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 2521 NE 20th Avenue, Naples FL 34120?+
The most recent tax bill on record (2024) was $457. 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 $95,000, this home is listed about 83% below the Naples median of $575,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2521 NE 20th Avenue, Naples FL 34120?+
North Fort Myers High School (high), Tropic Isles Elementary School (elementary), Hancock Creek Elementary School (elementary), Caloosa Elementary School (elementary), Caloosa Middle School (middle), Dr Carrie D Robinson Littleton Elementary School (elementary), Diplomat Elementary School (elementary), Diplomat Middle School (middle), Island Coast High School (high), Cape Coral High School (high), Mariner High School (high), Ida S. Baker High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the NAPLES 34120 market on paper
$95,000 is 56% below the NAPLES 34120 median of $215,000.
02Time on market is leverage
492 days on market against a Naples median of 53 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
North Fort Myers High School, Tropic Isles Elementary School, Hancock Creek Elementary School, Caloosa Elementary School, Caloosa Middle School, Dr Carrie D Robinson Littleton Elementary School, Diplomat Elementary School, Diplomat Middle School, Island Coast High School, Cape Coral High School, Mariner High School, Ida S. Baker High School — North Fort Myers High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Aval Realty LLC · Antonio Valentino. MLS #A11775239.
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 Miami Association of REALTORS®.
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