3860 20th AVE SE, Naples, FL, 34117 | $649,000

Welcome to your private slice of country living in Golden Gate Estates! Situated on a fully fenced and gated 2. 27 acres, this charming 3-bed + den home offers the perfect blend of comfort, style, and functionality—with room to live, work, and play. Inside, you’ll find beautifully updated LVT flooring throughout the home and a desirable split floorplan that provides both privacy & flexibility. The updated master bathroom is a true retreat, featuring quartz countertops, dual sinks, walk-in closet, and an oversized walk-in shower designed with both style and relaxation in mind. The heart of the home is the thoughtfully updated, farmhouse-style kitchen—complete with shiplap accents, expansive quartz countertops, open shelving, and a cozy eat-in dining area that’s perfect for everyday living or entertaining. Step outside and experience the lifestyle this property was made for! A generous screened lanai opens to an impressive outdoor space featuring a newly added saltwater pool, surrounded by an iron fence and an oversized pool deck with ample room for lounging, dining, and hosting. Whether you envision weekend BBQs, evening swims, or simply relaxing under the Florida sun, this backyard delivers. This is more than just a home—it’s a lifestyle opportunity! The recent cold temperatures took its toll on the gorgeous, tropical landscaping and lawn. It's only a matter of time before the figs, fruit trees, and flowering tropical plants will be in full display again! Don't forget there is no HOA on this home so if you have dreams of gathering eggs from your own chickens or milk from your goats, you have the freedom to do so and are already set up with a chicken coop and additional enclosure. Curtain rods and curtains will not convey with the sale of the home.

Features

  • Amenities: None
  • Bedrooms: 3
  • Baths: 2 full
  • Style: 1 Story/Ranch
  • Development: GOLDEN GATE ESTATES
  • Year Built: 2006
  • Garage: 2-car Attached
  • Heating: Central Electric
  • Cooling: Central Electric
  • Approx Sq. Feet: 1,883
  • Acreage: 2.27
  • Est. Taxes: $4,206
  • Lot Desc: Dead End
  • View: Wooded Area
  • Community Type: No Subdivision
  • Elem. School: PALMETTO ELEMENTARY SCHOOL
  • Middle School: CYPRESS PALM MIDDLE SCHOOL
  • High School: PALMETTO RIDGE HIGH SCHOOL
  • Private Pool: Yes
  • Pet Policy: No Approval Needed
  • MLS#: 226012474
  • Website: https://www.raveis.com
    /prop/226012474/386020thavese_naples_fl?source=qrflyer
Copyright © 2026  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
Courtesy of Premiere Plus Realty Co.

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3860 20th AVE SE, Naples, FL, 34117

$649,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $519,200 $519,200 $519,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.313% 6.398% 5.710%
Monthly Tax Payment $351 $351 $351
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,071 $3,197 $4,240
Total Monthly Payment $3,513 $3,639 $4,682

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.