Vintage pearl necklace with citrine or topaz pendant in sterling silver

Gorgeous pearl necklace with beautiful cleft-less heart golden stone. Stone measures about 10x12mm and is likely either citrine or topaz. Golden faceted beads unknown. 6-7mm pearls have good luster and nice golden color. Pendant set in substantial 925 stamped silver. 16” necklace length. Pendant measures 1” from top of bale. Toggle clasp. Beautiful vintage look for special occasion.