4395 16th ST NE, Naples, FL, 34120 | $739,000

Beautiful one-story single-family home featuring elegant porcelain tile flooring throughout, impact windows and doors, and soaring vaulted ceilings that create a bright and spacious atmosphere. This smart home includes programmable lighting and switches, plus a reverse osmosis water system with UV filtration for enhanced drinking and household water quality.
The spacious kitchen and bathrooms showcase modern waterfall countertops, offering a sleek, non-porous, low-maintenance finish along with stylish contemporary details throughout the home. The dining/family room features a custom stucco electric fireplace with concealed Cat-6 and coax connections behind the mounted TV area, all beneath impressive 12-foot ceilings.
Step outside to enjoy the fully paved driveway, with pavers extending into the backyard to create the perfect entertaining space complete with a cozy sitting area and firepit. The fully fenced backyard provides added privacy and is ideal for pets, gatherings, or relaxing outdoors.
Additional highlights include an attached 3-car garage with hurricane-rated doors, steel storage systems, and added overhead rafters for extra storage. Need more space? The property also features an approximately 40-foot-wide backyard carport accessible through a wide gated entrance with front entry lighting—perfect for boats, RVs, trailers, or additional vehicles.
Move-in ready and loaded with modern upgrades, this home offers exceptional indoor and outdoor living.

Features

  • Amenities: None
  • Bedrooms: 4
  • Baths: 3 full
  • Style: 1 Story/Ranch
  • Development: GOLDEN GATE ESTATES
  • Year Built: 2020
  • Garage: 3-car Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 2,097
  • Acreage: 1.58
  • Est. Taxes: $5,198
  • Lot Desc: Regular
  • View: Landscaped Area
  • Community Type: No Subdivision
  • Pet Policy: No Approval Needed
  • MLS#: 226019730
  • Website: https://www.raveis.com
    /prop/226019730/439516thstne_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 Realty One Group MVP

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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
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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4395 16th ST NE, Naples, FL, 34120

$739,000

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 $591,200 $591,200 $591,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $433 $433 $433
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,640 $3,786 $4,949
Total Monthly Payment $4,165 $4,311 $5,474

* 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.