Cottage / Storybook home in Naples, FL
Set in Naples, FL, this Cottage home provides 3 bedrooms and 2 bathrooms across 1,732 square feet. Its Cottage character defines the property's look.
| Price | $1,595,000 |
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| Beds | 3 |
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| Baths | 2 |
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| Sqft | 1732 |
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| Architectural style | Cottage / Storybook (85% match) |
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| Address | 1260 12th AVE N, Naples, FL 34102 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Trulia.
Is this a good buy?
Priced below comparable homes.
- At $1.6M, this home is 88% above the $850K median for 107 similar Cottage / Storybook homes in Naples, FL.
- That works out to $921 per square foot, 99% above the $462 comparable rate.
- New to market (2 days), so expect competition.
| This home | $1,595,000 |
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| Cottage / Storybook median in Naples, FL | $850,000 (107 homes) |
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| Price per sq ft | $921 vs. $462 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 $10,538/month with 20% down at a 7.28% 30-year fixed rate. You would need about $451,638 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $8,731/mo |
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| Property tax (new-buyer reassessed rate) | $1,210/mo |
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| Homeowners insurance | $598/mo |
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| Total monthly | $10,538/mo |
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| Down payment (20%) | $319,000 |
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| Income needed | $451,638/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 B- (67 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 | B- (67/100) |
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| Beats renting in | 21% of modeled paths |
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| Modeled 5-yr equity (median) | $817,138 |
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| Range (10th to 90th pct) | $503,998 to $1,192,341 |
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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 20% over the past 5 years (-1% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
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