3400 Canal St, Naples, FL 34112
Sources: FGCMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
3400 Canal ST in Sabal Shores, Naples is listed at $1,799,000 (2,712 sq ft, about $663 per sq ft). That is 383% above Sabal Shores's median closed sale of $372,500 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $391/sq ft by about 70%. It has been listed Jun 19, 2026, longer than the community's typical 60 days to contract. Listing facts: built in 2025. The parcel maps to FEMA flood zone AE, 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.
- Built 2025 · 1 yrs
- 2,712 sq ft of living area
- listed Jun 19, 2026
About this home
Contemporary architecture and Italian elegance converge in this newly constructed waterfront residence with boating access to the Gulf in Naples Bayshore Arts District. A private heated pool, screened lanai and fenced backyard create an intimate backdrop for sunlit dining and evenings beside the waterway. Sunlit interiors showcase imported Italian furnishings, while an expansive quartz waterfall island anchors a kitchen appointed with custom cabinetry and luxury appliances.
Four bedrooms, three full baths and a powder room provide gracious accommodations. The main-level primary suite opens onto the lanai and features a custom walk-in closet and an exquisitely finished bath with a glass-enclosed shower. Upstairs, a loft complements a guest suite, two additional bedrooms and a second laundry station.
Impact-resistant windows and doors, remotely operated shades and a two-car garage enhance everyday ease. Proven rental income adds an investment dimension, complemented by the absence of HOA fees. Nearby, Fifth Avenue South and historic Third Street South invite evenings of celebrated dining, boutique shopping and gallery visits, while Naples’ white-sand beaches complete the pleasures of this refined coastal address.
All 50 photos
Description provided by Premier Sotheby's Int'l Realty and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for SABAL SHORES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $9,750/mo 83%
- Taxes $1,574/mo 13%
- Insurance $485/mo 4%
$11,809/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 3400 Canal St
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 $13,959/yr per the MLS listing record (TaxAnnualAmount, 2026-11-11). 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 $4,000–$8,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, 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 2025. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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)
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.
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
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Sabal Shores market
How this home is priced against recent nearby sales, and where Sabal Shores 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.
Median $/sq ft by year
Community sold $/sq ft, 2017–2026. This home lists at $663/sq ft.
Median sale price by year
12-month median closed price, 2017–2026.
This home’s history
- 2025BuiltPer public record
- About Jun 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jun 19, 2026)
- Oct 19, 2026First seen on our siteObserved at $1,799,000
- NowActiveCurrently for sale
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.
Price & listing history
Building permits
Momentum Property Score
40/100 is below average 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.
Coverage: 6 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.
The Momentum read
🟡 Asking $663 per square foot, about 70% above the community’s $391 median. Sabal Shores’s 12-month median sold price per square foot is $391. Confidence: Low · 4 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 Sabal Shores sales closed near 86.6% 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 2 active listings in Sabal Shores, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Premier Sotheby's Int'l Realty · MLS # 226020883
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Similar homes for sale near SABAL SHORES
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.
Newest listings in SABAL SHORES
- 3181 Sabal Ct · $599,000 · 2 bd / 2 ba · listed November 10, 2026 (courtesy of Premier Sotheby's Int'l Realty)
- 3201 Sabal Ct · $550,000 · 2 bd / 2 ba · listed October 24, 2026 (courtesy of Waterfront Realty Group Inc)
Recently off market in SABAL SHORES
- 3005 Coco Ave · last listed $1,399,900 · 2026-10-21
- 3423 Canal St · last listed $1,589,000 · 2026-10-10
- 3117 Areca Ave · 2026-09-10
Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings
More on SABAL SHORES
Go deeper on SABAL SHORES
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.
Assigned schools
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.
See schools in the SABAL SHORES guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 34112 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 3400 Canal ST, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- FEMA flood zone AE: 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 2,712 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 $18,890/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.
Data sources & freshness
| Listing record | FGCMLS, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | 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.
Frequently asked questions
How big is 3400 Canal ST and when was it built?
Per the listing record, 3400 Canal ST was built in 2025 and has 2,712 sq ft of living area, 4 bedrooms and 4 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3400 Canal ST in?
3400 Canal ST is in Sabal Shores 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 3400 Canal ST differ from the current owner's?
The estimate on this page (about $18,890 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 3400 Canal ST in a flood zone?
The FEMA flood map places this parcel in Zone AE, 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.
See 3400 Canal ST in person
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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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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.