840 Myrtle Ter. – #226039015

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840 Myrtle Ter., Naples, FL 34103

$1,599,000 For Sale

Beds
3
Baths
3
Sq Ft
2,017
Built
1959

MLS# 226039015 11 days on market

Fees & taxes

Seller’s 2025 taxes
$6,436

Questions about this home?
Ask about this home or arrange a tour.

Listing description

MAJOR PRICE DECREASE!!! LIVE, WORK, OR INVEST! ZONED HIGHWAY COMMERCIAL: MIXED USE! MINUTES TO THE BEACH AND FLOOD ZONE X! One of the most unique opportunities in all of Naples! Perfectly positioned in an X flood zone just a short walk or bike ride to the beach, Waterside Shops, waterfront dining, and some of Naples’ most desirable attractions, this fully renovated coastal cottage offers the ultimate Naples lifestyle with endless possibilities. Enjoy being only minutes from 5th Avenue, Mercato, Venetian Village, and world-class shopping, dining, boating, and entertainment while still having the privacy and flexibility rarely found this close to the coast. Zoned for both residential and commercial use, this property is ideal as a full-time residence, seasonal getaway, vacation rental, live/work opportunity, or income-producing investment with NO HOA and NO rental restrictions. Completely reimagined in 2019, the home features a metal roof engineered to withstand winds up to 200 MPH, hurricane-impact windows and doors, updated AC systems, water heaters, and beautifully curated designer finishes throughout. From the moment you arrive, the curb appeal stands out with lush tropical landscaping, custom herringbone pavers, a newly screened-in front patio, and a private entrance leading directly into the flexible studio space or laundry area, ideal for business owners, creatives, remote professionals, guests, or added rental flexibility. Inside, nearly 2,000 square feet of designer-inspired living space awaits with soaring 25-foot cathedral ceilings wrapped in tongue-and-groove Cypress wood, custom wood beams, shiplap accents, recessed lighting, vintage fixtures, built-in bookcases, and an open airy layout designed for entertaining. The chef’s kitchen is truly a showpiece featuring Café appliances, an induction cooktop, quartz countertops, soft-close cabinetry, antique lighting, a custom mango wood indoor/outdoor bar, and even a built-in Keurig coffee maker inside the refrigerator. The primary suite feels like a luxury retreat with a custom fireplace wall, oversized custom walk-in closet, spa-inspired bath with designer cabinetry, chandelier lighting, and a beautifully tiled walk-in shower. Guest bedrooms offer privacy, high ceilings, custom built-ins, and a stunning fully customized Jack-and-Jill bath. The separate studio space with its own entrance, private patio, full bath, and built-in sink creates incredible flexibility for a home office, wellness space, art studio, guest suite, or additional rental opportunity. Step outside into your private tropical oasis featuring a fully fenced yard, outdoor lighting, privacy landscaping, cozy firepit seating area, room for a pool, extended carport, and multiple outdoor entertaining spaces designed to enjoy the Florida sunshine year-round.

Property details

Building & ownership

Ownership
Single Family
Furnishings
Negotiable
Building style
Ranch, Single Family
Floor plan
Other, Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Metal
Lot size
0.15 acres
Lot description
Regular

Interior

Features
Built-In Cabinets, Cathedral Ceiling(s), Laundry Tub, Smoke Detectors, Walk-In Closet(s), Wet Bar, Window Coverings
Flooring
Tile, Wood
Cooling
Ceiling Fan(s), Central Electric
Additional rooms
Guest Bath, Guest Room, Laundry in Residence, Screened Lanai/Porch

Kitchen & dining

Appliances
Electric Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator/Freezer, Self Cleaning Oven, Washer

Outdoor & view

View
Landscaped Area, Privacy Wall
Rear exposure
South
Exterior
Screened Lanai/Porch, Built-In Wood Fire Pit
Storm protection
Impact Resistant Doors, Impact Resistant Windows

Parking

Garage
No
Car port
No
Spots
0

Pool & spa

Private pool
No
Private spa
No

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
None/Other

Additional details

Parcel number
13250000957
Potential short sale
No

Listing last updated November 8, 2026

Listing courtesy of Hovland Realty, LLC · 239-913-9363

Property taxes for a new owner

Estimated property taxes about $8,000 a year at the county’s value of this home and its 0.90% tax rate, 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. The county sets a new value each January 1, so a new owner’s first full bill can differ.

Destinations & driving times from 840 Myrtle Ter

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 840 Myrtle Ter. – #226039015, by driving distance
NameMilesETA
Waterside Shops 0.4 mi
Venetian Village 1.7 mi 4 min
Coastland Center 3.1 mi 7 min
Mercato 3.5 mi 7 min
Galleria Shoppes at Vanderbilt 4.5 mi 10 min
Fifth Avenue South 4.8 mi 9 min
Third Street South 6 mi 13 min
Coconut Point 14 mi 22 min
Miromar Outlets 21 mi 30 min
Gulf Coast Town Center 25.3 mi 33 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 A Collier

The first zone ordered to evacuate, and the one called in the weakest storms.

Called firstCalled last
FEMA flood zone

Zone X (minimal)

Minimal mapped flood hazard

The building is outside the Special Flood Hazard Area.

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 Myrtle Terrace

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

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

Florida License SL3295589

“Five Stars Plus for Jeff Waldman.”
Julie & Larry Eacott

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