Ranch home in Naples, FL
Set in Naples, FL, this Ranch home provides 3 bedrooms and 2 bathrooms across 1,851 square feet. Its Ranch character defines the property's look.
| Price | $540,000 |
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| Beds | 3 |
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| Baths | 2 |
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| Sqft | 1851 |
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| Architectural style | Ranch (50% match) |
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| Address | 428 Pine Lake Dr, Naples, FL 34112 |
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Why buy this home
- Confirmed Ranch architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced a little under the area.
- At $540K, this home is 9% below the $595K median for 149 similar Ranch homes in Naples, FL.
- That works out to $292 per square foot, 15% below the $345 comparable rate.
- On the market 15 days.
| This home | $540,000 |
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| Ranch median in Naples, FL | $594,500 (149 homes) |
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| Price per sq ft | $292 vs. $345 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $3,568/month with 20% down at a 7.28% 30-year fixed rate. You would need about $152,906 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,956/mo |
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| Property tax (new-buyer reassessed rate) | $410/mo |
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| Homeowners insurance | $203/mo |
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| Total monthly | $3,568/mo |
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| Down payment (20%) | $108,000 |
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| Income needed | $152,906/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C+ (62 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C+ (62/100) |
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| Beats renting in | 16% of modeled paths |
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| Modeled 5-yr equity (median) | $252,496 |
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| Range (10th to 90th pct) | $144,576 to $377,350 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Naples, FL where local data is thin.
Local home values
Typical home values in Naples, FL have risen about 23% over the past 5 years (-2% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Zillow