3920 10th St. N – #226032545

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3920 10th St. N, Naples, FL 34103

$825,000 For Sale

Beds
4
Baths
3
Sq Ft
1,979
Built
2003

MLS# 226032545 58 days on market

Fees & taxes

Seller’s 2025 taxes
$4,993

Community

Sperling

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Listing description

One or more photo(s) has been virtually staged, AI generated or rendered. One or more photo(s) has been virtually staged, AI generated or rendered. RARE OPPORTUNITY WITH GREAT POTENTIAL, this lovely 4 bedrooms, 3 baths with a potential mother-in-law rental unit investment property offers a rare opportunity to remodel and make it your own. Property described as light and bright with tall cathedral ceilings, custom-made mirrors in dining room. Centrally located in one of the most sought-after locations. Close to Rt 41 and Goodlette Frank Rd but quietly tucked away from noise and traffic, only minutes from pristine beaches and to vibrant 5th Avenue, known for its lively atmosphere and premium shopping, dining, and entertainment. This property is an ideal addition to any real estate portfolio.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Unfurnished
Building style
Ranch, Single Family
Floor plan
Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Shingle
Lot size
0.15 acres
Lot description
Corner Lot, Regular

Interior

Features
Custom Mirrors, Pantry, Smoke Detectors, Window Coverings
Flooring
Carpet, Vinyl
Cooling
Ceiling Fan(s), Central Electric
Additional rooms
Family Room, Guest Bath, Guest Room, Laundry in Residence, Screened Lanai/Porch

Kitchen & dining

Kitchen
Pantry
Appliances
Dishwasher, Dryer, Range, Refrigerator/Freezer, Self Cleaning Oven, Washer

Outdoor & view

View
City, Partial Buildings
Rear exposure
East
Exterior
Screened Lanai/Porch
Storm protection
Shutters

Parking

Garage
No
Car port
No
Spots
0
Description
Driveway Paved, Paved

Pool & spa

Private pool
No
Private spa
No

Waterfront

Waterfront
No
Description
None
Gulf access
No
Canal
None
Boat / dock
None

Community amenities

Amenities
Sidewalk, Streetlight
Elevator
None

What the fees cover

Maintenance
None

Pets & leasing

Pets allowed
Yes
Restrictions
None

Schools

Elementary
Seagate Elementary School
Middle
Pine Ridge Middle School
High
Naples High School

Additional details

Parcel number
74760800000
Potential short sale
No

Listing last updated November 7, 2026

Listing courtesy of Downing Frye Realty Inc. · 239-261-2244

Broker Reciprocity Program

The source of this real property information is the copyrighted and proprietary database compilation of the M.L.S. of Naples, Inc. Copyright 2026 M.L.S. of Naples, Inc. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.

Displayed under License No. SL3295589.

Property taxes for a new owner

Estimated property taxes about $5,400 a year at the county’s value of this home and its 0.94% tax rate, plus $262 in charges not based on value, no exemptions applied

That is about the same as the seller’s bill on the county’s 2026 roll.

If you make this home your primary residence, a homestead exemption would lower this figure. If you have also had a Florida homestead in any of the last three years, you may be able to carry up to $500,000 of its capped-value savings to this home, which Florida calls “portability.” Both are applied for with the Property Appraiser by March 1.

How a new owner’s property taxes are set is explained in the Costs & Taxes chapter of the 2027 Naples Buyer’s Guide.

Estimated from the Collier County Property Appraiser’s 2026 value of this home and its tax rate, plus its 2025 charges not based on value from the Collier County Tax Collector’s roll. The county sets a new value each January 1, so a new owner’s first full bill can differ.

Destinations & driving times from 3920 10th St. N

Every destination named here is described in the Destinations chapter of the 2027 Naples Buyer’s Guide.

Driving times are estimated from this home’s location, using OpenStreetMap road data.

Dining & Shopping near 3920 10th St. N – #226032545, by driving distance
NameMilesETA
Venetian Village 1 mi 3 min
Waterside Shops 1.6 mi 4 min
Coastland Center 2 mi 5 min
Fifth Avenue South 3.7 mi 8 min
Mercato 4.4 mi 8 min
Third Street South 4.9 mi 11 min
Galleria Shoppes at Vanderbilt 5.4 mi 11 min
Coconut Point 14.9 mi 24 min
Miromar Outlets 21.9 mi 31 min
Gulf Coast Town Center 26.2 mi 35 min

Flood zones & evacuation

Two different things, measured by two different agencies. Evacuation zones are about storm surge and who leaves first. Flood zones are FEMA’s insurance rating, and they vary from home to home.

Hurricane evacuation zone

Zone B Collier

Called in the second wave, for stronger storms.

Called firstCalled last
FEMA flood zone

Zone AH

Shallow ponding, 1–3 ft

The lot is inside a Special Flood Hazard Area, where a federally backed mortgage requires flood insurance.

FEMA flood maps and Collier County Emergency Management. A revised Collier County flood map is in preparation and may change these zones.

A starting point, not a determination. Your lender will require its own flood zone determination before closing, and your insurer will normally require an elevation certificate — a surveyor’s measurement of how high the building actually sits — before quoting. Those documents govern; this does not replace either. Zones can also be amended individually through FEMA.

Flood zones, evacuation, and insurance are explained in the Risk, Resilience & Insurance chapter of the 2027 Naples Buyer’s Guide.

Flood zones across Sperling

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

Call (239) 450-3763 Text (239) 450-3763

Florida License SL3295589

“You won't go wrong with Jeff at your side!”
Bill & Joyce Robertson

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