SingleFamilyResidence in GOLDEN GATE ESTATES, Naples · No CDD on record · Built 2026
GOLDEN GATE ESTATES · Naples, FL 34120 · Collier County
Listing data checked against the MLS November 2, 2026 at 10:45 AM ET · rechecked hourly
Listed by Marzucco Real Estate (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
2,300Sq Ft
2026Year Built
$296Per Sq Ft
New constructionNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
9% below
$/sq ft vs community
$296 here vs $327 median sold (12 mo)
Buyer leverage
Buyer advantage
78 days on market
Zone AH
Flood risk
Confirm requirements with FEMA; ~21 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
3194 56th AVE NE in Golden Gate Estates, Naples is listed at $679,900 (2,300 sq ft, about $296 per sq ft). That is 19% above Golden Gate Estates's median closed sale of $570,000 over the last 12 months (715 recorded sales). It has been listed Aug 16, 2026. Listing facts: new construction. The parcel maps to FEMA flood zone AH, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
2,300 sq ft of living area
listed Aug 16, 2026
Listing description
About this home
* Welcome to this charming modern new residence, no restrictions, just peace of mind. This thoughtfully designed home with a magnificent 14 foot entrance. 3 spacious bedrooms, a private office, and 2 full bathrooms, combining comfort, elegance, and functionality.
The open-concept floor plan is filled with abundant natural light, creating a warm and inviting atmosphere throughout the home. At the heart of the home is a custom-designed kitchen featuring premium appliances and a striking quartz waterfall island, seamlessly connected to the dining and living areas — great for entertaining and everyday living. The entire home is finished with upgraded tile flooring, delivering a sleek, modern look with easy maintenance.
Step outside to your lanai, relax or host gatherings. This home also includes impact-resistant windows and doors, gutters, sprinkler system, 6-inch baseboards, upgraded tile selections, and countless additional upgrades — truly too many to list. This exceptional property blends style, durability, and modern design, making it a standout choice for today’s buyer.
Photos are from a previously completed home by the same builder and similar finishes.
All 30 photos
Description provided by Marzucco Real Estate and reproduced from the MLS; not independently verified.
Listing courtesy of Marzucco Real Estate · Listing agent: Rexy Sanchez · 239-269-1584Provided via the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange · Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information deemed reliable but not guaranteed by the MLS to be accurate. · Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Collier County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 2,300 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 2, 2026.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Collier County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for GOLDEN GATE ESTATES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$679,900
Bed / bath3 / 2
Living area2,300 sq ft
Year built2026
Property typeSingleFamilyResidence
MLS #2026025286
Listing statusPending
Public records & third-party data
FEMA flood zoneZone AH
Ground elevation~21 ft
CountyCollier
Area listings351 active · 95 under contract
Estimated first-year tax~$7,139/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Price per sq ft$296
Estimated monthly payment$4,480
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$570,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$4,480/mo
Principal & interest $3,707/mo83%
Taxes $595/mo13%
Insurance $178/mo4%
$4,480/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is $780/yr per the MLS listing record (TaxAnnualAmount, 2026-11-02). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed.
Home and flood insurance
The average Citizens Property Insurance premium in Collier County is $2,147/yr (2,002 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote. Flood: this address maps to FEMA zone AH, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$7,139/yr
Estimate: a typical Collier effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AH — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AH
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~21 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Collier County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Collier County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningVery High
Strong windRelatively Low
DroughtRelatively Moderate
HailVery Low
Cold waveVery High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Golden Gate Estates
Pricing & the Golden Gate Estates market
How this home is priced against recent nearby sales, and where Golden Gate Estates has been over 25 years. Momentum Research analysis of Florida Gulf Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Golden Gate Estates
Each dot is a closed sale since 2012 (10803 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). FGCMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $296/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 15 (cold).
Property timeline
This home’s history
2026BuiltPer public record
Aug 4, 2026First seen on movewithmomentum.comObserved at $699,800
Aug 19, 2026Price cut$679,900 (-$19,900, -2.8%)
NowPendingSale pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $679,900Marzucco Real Estate · listed Aug 16, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
56/100
Strongest on: Market timing (85), Price vs area (74)
0 limited50100 exceptional
56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area74
This home $296/sq ft vs the community 12-month median $327/sq ft.
Affordability18
List price $679,900 vs the community median $570,000. Not a measure of personal affordability.
Flood safety50
FEMA Zone AH, ~21 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AH and a 2026 build. Obtain a property-specific quote.
Market liquidity56
Community median 55 days on market (12-month record).
Pricing power65
Recent sales closed at about 95.1% of original asking (~4.9% below). More room below asking generally favors buyers.
Market timing85
Momentum Market Heat is 15/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $296 per square foot, about 9% below the community’s $327 median. Golden Gate Estates’s 12-month median sold price per square foot is $327. Median sold price per square foot is up 0.9% year over year. Confidence: Very High · 715 closed sales in 12 monthsMLS facts: FGCMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Golden Gate Estates sales closed near 95.1% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of FGCMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 351 active listings in Golden Gate Estates, no CDD assessment.
Checked against the MLS November 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Marzucco Real Estate · MLS # 2026025286
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Keep looking
Similar homes for sale near GOLDEN GATE ESTATES
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
American Airlines to resume Naples flights with twice-daily Charlotte service
The Naples Airport Authority approved an operating agreement on Oct. 15 for nonstop CRJ-700 flights to Charlotte starting Dec. 2. Flights will use the North Road Terminal now being renovated, and the airport expects about $650,000 in annual revenue. The airport's last commercial flight was in 2017.
Why it matters: Scheduled commercial service returns to Naples, shortening travel for residents and visitors connecting through Charlotte. The site is about 4 miles northwest of Golden Gate Estates.
Naples begins $8M beach renourishment with 208,000 tons of sand
Sand placement started the week of Oct. 26 along about 3.5 miles of shoreline from Doctors Pass to south of 21st Avenue. Roughly 9,450 truck trips will deliver the sand, with work expected to finish by Christmas. The beach stays open, with sections temporarily closed as crews work.
Why it matters: Expect truck traffic at beach access points and short-term section closures through December, followed by a wider beach and added storm buffering for nearby streets. The site is about 5 miles northwest of Golden Gate Estates.
Paragon Theaters to open 11-screen cinema at Mercato in North Naples
Mercato's leasing agent announced on Oct. 21 that Paragon Theaters signed a lease for about 33,700 square feet on the second floor, formerly home to Alamo Drafthouse and Silverspot. The cinema is expected to open in early 2027 with premium large-format screens and in-seat dining. Paragon will keep its Pavilion location on U.S. 41 North.
Why it matters: Refills a vacant entertainment space at Mercato and restores a movie option within the North Naples retail district. The project is about 11 miles north of Golden Gate Estates, elsewhere in Collier County.
Whole Foods confirmed as anchor of 82-acre Vitano mixed-use project in East Naples
Vitano, an 82-acre master planned development at Davis and Santa Barbara boulevards, plans 86,904 sq ft of retail including a 31,995 sq ft Whole Foods, plus 200 townhomes and 422 apartments. The PUD amendment is under county review. The developer hopes to break ground in 2027.
Why it matters: Would add grocery and dining options and several hundred rental and townhome units in East Naples, with retail opening roughly 20 months after construction starts. The site is less than a mile southwest of Golden Gate Estates.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Collier County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Collier County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 3194 56th AVE NE, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
FEMA flood zone AH: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Collier County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,300 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $7,139/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
FGCMLS, checked against the MLS hourly (last: November 2, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Collier County — no medians or automated estimate shown
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of FGCMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3194 56th AVE NE and when was it built?
Per the listing record, 3194 56th AVE NE was built in 2026 and has 2,300 sq ft of living area, 3 bedrooms and 2 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3194 56th AVE NE in?
3194 56th AVE NE is in Golden Gate Estates in Naples, Collier County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 3194 56th AVE NE differ from the current owner's?
The estimate on this page (about $7,139 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3194 56th AVE NE in a flood zone?
The FEMA flood map places this parcel in Zone AH, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Florida Gulf Coast Multiple Listing Service, Inc.. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. All rights reserved.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Marzucco Real Estate
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
