Horse Creek Estates
Homes for Sale in Naples, FL
All 2,052 homes for sale in Naples, FL · median $429,000 · 338 homes for sale in 34110 · Collier County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Florida Gulf Coast MLS
As of October 2026, Horse Creek Estates in Naples, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 9 recorded sales closed at a median of $1,025,000, $412 per square foot, a median 123 days on market, sellers accepting 88% of original asking. At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $11,330 ($10,890 with the full homestead exemption).
Last 30 days in Horse Creek Estates: 1 new listing (median asking $1,275,000). As of October 20, 2026, Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate.
The number that matters most here is the mismatch between median living area (1,377 sqft) and median price ($1,025,000). At a median $412.39 per square foot, this is not a community where you're paying for volume of house — you're paying for something else, likely land, lot configuration, or location within Naples. With a median year built of 1982 against a range running back to 1962 and up to 2022, the stock is a mix of original-condition homes and later rebuilds or renovations sitting side by side, which is exactly the kind of spread that produces wide price variation for similar-looking listings.
A median 123 days on market is slow by any standard, and with only 9 closings in the current window, the data set is thin enough that a single unusual sale can move the median in either direction. For sellers, that combination argues for pricing to condition and being patient rather than testing the market. For buyers, it means real negotiating room exists on homes that aren't priced or presented correctly, and there's time to do the homework — survey, inspection, comparable rebuild costs — before committing.
Figures in this note are as of July 29, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Horse Creek Estates market snapshot (as of September 20, 2026): the median sale price is about $1.03M ($412 per sq ft over the trailing 12 months of closed sales), and a median 123 days on market for closed sales.
In ZIP 34110 (Naples), 632 homes closed in the last 12 months at a median of $675K ($369/sq ft), down 7.3% year over year, with a median 87 days on market. Right now 271 active and 65 pending listings — a soft market. See the live ZIP 34110 housing market and the Collier County market.
Horse Creek Estates is an older Naples community where lot value and land use appear to carry more of the price than square footage does, and the roughly even split between homestead and non-homestead filings suggests a mix of primary residences and second homes or investment holds.
Who Horse Creek Estates is best for.
Best for
- Buyers prioritizing lot and location over interior square footage
- Buyers comfortable budgeting for renovation or system updates on an older home
- Buyers or investors who don't need on-site amenities as part of the purchase
Probably not for
- Buyers who want a fast, competitive-offer transaction — this market moves slowly
- Buyers expecting new construction or recently updated systems as the norm
- Buyers who want clubhouse, pool, or organized recreational amenities included
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Florida Gulf Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.03M) IS the median in the snapshot above.
Windows contain 0 to 11 sales each (9 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
15% of homes for sale in ZIP 34110 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Horse Creek Estates Market Scorecard
Horse Creek Estates is currently a balanced market., a median asking price of $975,000, and homes go under contract in about 696 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Florida Gulf Coast MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Horse Creek Estates
Live MLS inventory for Horse Creek Estates. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Horse Creek Estates listings as of 2026-10-19, priced high to low. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
The Horse Creek Estates buying strategy.
If we were buying in Horse Creek Estates today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Horse Creek Estates.
Land, Age, and a Thin Market
With 588 homes total and a build range spanning six decades, Horse Creek Estates isn't a single-phase, single-builder subdivision — it's accumulated inventory of different eras, which means due diligence has to be done house by house rather than assumed from the neighborhood name. The median year built of 1982 puts the typical home well into the age range where roofs, HVAC systems, and electrical panels are reasonable questions to ask regardless of how a listing photographs.
No community amenities are identified in current MLS listings, which tells buyers this isn't an amenity-driven purchase — the draw here is the land and the Naples location itself, not a clubhouse or gated recreation package. That should shape how you evaluate value: compare lot size and positioning, not resort features, when you're sizing up one listing against another.
The location and the amenities are priced into every listing in Horse Creek Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A market with a 123-day median DOM and only 9 closings in the current window rewards patience and pricing discipline over guesswork, and that's where a broker who tracks the actual comps — not just the community average — earns their fee, whether you're setting a list price or deciding what a specific older home is really worth before you write an offer.
Horse Creek Estates in 15 seconds.
What it really costs to own in Horse Creek Estates
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $8,372/yr across 4 listings here (MLS tax records, 2026-10-20). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Collier County is $2,147/yr (2,002 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2009 across 4 listings. An original roof here would be about 17 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Horse Creek Estates
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Horse Creek Estates
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Horse Creek Estates will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Horse Creek Estates buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Horse Creek Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Horse Creek Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Horse Creek Estates home worth?
Get a no-obligation home value based on real comparable sales in Horse Creek Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Naples →
| Location | Naples, Collier County, FL · ZIP 34110 |
|---|---|
| Sale prices, last 12 months | $1,025,000 median across 9 closed sales · $412 per sq ft |
| Days on market (closed sales) | 123 median |
| For sale right now | 1 active, 0 pending · median asking $975,000 |
Data as of September 20, 2026. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. Market figures describe homes, not residents. Cite as: Momentum Realty, “Horse Creek Estates key facts,” movewithmomentum.com/neighborhoods/horse-creek-estates, data as of September 20, 2026.
Housing distress & ownership in Horse Creek Estates, Naples
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Just listed in Horse Creek Estates
The newest homes for sale in Horse Creek Estates right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 495 Saddlebrook Ln $1,275,000 · 3 bd · 3 ba · 2,530 sq ft · 1 day on market Courtesy of John R Wood Properties
- 291 Saddlebrook Ln $930,000 · 4 bd · 3 ba · 3,041 sq ft · 696 days on market Courtesy of Realty One Group MVP
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Horse Creek Estates Right Now (2)
All 2 active and pending Horse Creek Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 495 Saddlebrook Ln · $1,275,000 · 3 bd / 3 ba · listed Oct 15, 2026 · listed by John R Wood Properties
- 291 Saddlebrook Ln · $930,000 · 4 bd / 3 ba · listed Jul 22, 2026 · listed by Realty One Group MVP
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Recent Developments in Horse Creek Estates
Development, infrastructure, retail, and school activity affecting Horse Creek Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Ritz-Carlton Residences, Estero Bay tops off second tower
The second of two 22-story towers at 5000 Coconut Road reached full height on Sept. 18, 2026, completing the 224-residence project by London Bay and Coastal Construction. Tower One is more than 90% purchased and Tower Two about 45%. Move-ins and completion are scheduled for August 2027.
What it may mean for the marketAdds high-end waterfront condominium inventory in the Estero and Bonita Springs area, with completion expected in August 2027. The site is about 2 miles north of Horse Creek Estates.
Source: Gulfshore Business - September 2026Retail & Dining
Whole Foods confirmed as anchor of 82-acre Vitano mixed-use project in East Naples
Vitano, an 82-acre master planned development at Davis and Santa Barbara boulevards, plans 86,904 sq ft of retail including a 31,995 sq ft Whole Foods, plus 200 townhomes and 422 apartments. The PUD amendment is under county review. The developer hopes to break ground in 2027.
What it may mean for the marketWould add grocery and dining options and several hundred rental and townhome units in East Naples, with retail opening roughly 20 months after construction starts. The project is about 17 miles south of Horse Creek Estates, elsewhere in Collier County.
Source: Gulfshore Business - August 2026Schools
Diocese of Venice shows plans for church and K-12 school in Golden Gate Estates
The Diocese of Venice presented plans on 41 acres at Immokalee Road and Wilson Boulevard for a 1,250-seat church and a 200,000 sq ft K-12 school for up to 1,000 students. A land use amendment is required and construction follows a three-year capital campaign, with the school built first.
What it may mean for the marketWould add private school capacity and a community facility in the Immokalee Road growth area, several years out. The project is about 11 miles east of Horse Creek Estates, elsewhere in Collier County.
Source: Gulfshore Business - August 2026Development
Construction underway at 680-acre Brightshore Village in Golden Gate Estates
Barron Collier Companies is building Brightshore Village on Immokalee Road west of Everglades Boulevard North, planning about 2,000 homes and 106,000 to 120,000 sq ft of retail and services. Homebuilder parcels were scheduled to close September 18, with first move-ins targeted for January 2028.
What it may mean for the marketWould add about 2,000 homes and a commercial village center on the Immokalee Road corridor. The project is about 14 miles east of Horse Creek Estates, elsewhere in Collier County.
Source: Gulfshore Business - August 2026Development
Audubon and Cameratta settle lawsuit over 10,000-home Kingston community
Audubon and Cameratta Companies settled a federal suit over the Kingston permit; Cameratta will buy about 98 acres off Carter Road and give up a 100-foot easement for a road through Corkscrew Swamp Sanctuary. Kingston covers about 6,700 acres in eastern Lee County, with first model homes expected within about two months.
What it may mean for the marketRemoves a legal obstacle to a master-planned community of about 10,000 homes east of Estero, and rules out a road link into Collier County through the sanctuary. The site is about 12 miles northeast of Horse Creek Estates.
Source: Gulfshore Business - May 2026Civic
Collier County weighs buying East Naples grove site planned for 423 homes
Collier County commissioners voted on May 13, 2026 to pursue appraisals and negotiations to potentially buy the 166.63-acre former South Naples Citrus Grove at 341 Sabal Palm Road using Conservation Collier funds, rather than advance a proposed 423-home development. The board authorized preliminary assessments estimated at a few thousand dollars for appraisal and environmental review. The grove had become unproductive due to citrus greening disease.
What it may mean for the marketA potential public conservation purchase would remove a large parcel from the housing pipeline and steer its future toward preserved open land. The project is about 20 miles south of Horse Creek Estates, elsewhere in Collier County.
Source: Gulfshore Business
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
What is the median home price in Horse Creek Estates?
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Where is Horse Creek Estates, and what county is it in?
Should you buy in Horse Creek Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Florida Gulf Coast MLS, refreshed twice daily (last: October 19, 2026) |
| Community market stats | Florida Gulf Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (84 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Florida Gulf Coast MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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More on Horse Creek Estates
- Home values · What homes in Horse Creek Estates actually sell for
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