640 27th St. SW – #226023517

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640 27th St. SW, Naples, FL 34117

$760,000 Sold

Beds
3
Baths
2
Sq Ft
1,474
Built
1980

MLS# 226023517 Listed at $769,999 Sold September 8, 2026

Fees & taxes

Seller’s 2025 taxes
$2,892

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Listing description

Rarely does a property offer a spacious main home and a fully independent mother-in-law suite on 2.5 private acres. This exceptional ranch estate provides the perfect opportunity for multi-generational living, guest accommodations, rental income potential, or a private home office setup.
The centerpiece of the property is the comfortable ranch-style main home, offering spacious living and a welcoming atmosphere. Just steps away, the fully detached 1-bedroom, 1-bathroom mother-in-law suite features its own kitchen, laundry, and private living space, creating a truly separate residence with endless possibilities.
Surrounded by mature, swaying palm trees and fully fenced for privacy, this stunning property is an entertainer's dream. Enjoy an inviting in-ground pool, screened lanai, and two expansive decks designed for gatherings, complete with an outdoor bar and plenty of space to enjoy Florida's beautiful weather year-round.
Additional highlights include a large oversized detached 20' x 20' x 12' garage, multiple storage sheds, and a specialized air-conditioned building with full electrical service—perfect for a workshop, hobby space, fitness room, or home business. For added value and peace of mind, new hurricane shutters were installed in 2024, and a brand-new metal roof was installed in 2025.
With NO HOA restrictions, breathtaking sunsets, and endless room to live, work, and play, this unique property offers the Florida lifestyle you've always dreamed of while providing the flexibility and functionality that are increasingly hard to find.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Unfurnished
Building style
Ranch, Single Family
Floor plan
Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Metal
Lot size
2.5 acres

Interior

Features
Pantry, Smoke Detectors, Walk-In Closet(s), Window Coverings
Flooring
Tile
Cooling
Ceiling Fan(s), Central Electric
Additional rooms
Den - Study, Family Room, Guest Bath, Guest Room, Laundry in Residence, Open Porch/Lanai, Screened Lanai/Porch

Kitchen & dining

Kitchen
Pantry
Appliances
Electric Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Refrigerator/Freezer, Refrigerator/Icemaker, Reverse Osmosis, Self Cleaning Oven, Washer, Water Treatment Owned

Outdoor & view

View
Trees/Woods
Rear exposure
East
Exterior
Open Porch/Lanai, Screened Lanai/Porch, Storage
Storm protection
Shutters - Manual

Parking

Garage
Yes
Car port
No
Spots
2
Description
Circular Driveway, Driveway Paved, Paved, RV-Boat, Detached

Pool & spa

Private pool
Yes
Private spa
No
Pool description
Above Ground, Screen Enclosure

Waterfront

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

Community amenities

Amenities
None
Elevator
None

What the fees cover

Maintenance
None

Pets & leasing

Pets allowed
Yes
Restrictions
Deeded

Additional details

Parcel number
36816560009
Potential short sale
No

Listing last updated September 11, 2026

Listing courtesy of Real Broker, LLC · 855-450-0442

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 E Collier

Called in the fifth wave, for stronger storms.

Called firstCalled last
FEMA flood zone

Zone AH

Shallow ponding, 1–3 ft

The building 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 Golden Gate Estates

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

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

Florida License SL3295589

“We loved working with Jeff.”
Larry & Karen Smith

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