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Island Cove in Naples

Island Cove
Homes for Sale in Naples, FL

By , Co-Founder, Momentum Realty · Updated October 20, 2026

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All 2,052 homes for sale in Naples, FL · median $429,000 · 216 homes for sale in 34109 · Collier County homes for sale

Community in Naples · Collier County · ZIP 34109
41 homesBuilt 1996–1998Median sale $779K
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True comps, carrying-cost math, and listings before the portals.

Photo via Florida Gulf Coast MLS

Built fromLive Florida Gulf Coast MLS data13 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Island Cove in Naples, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $779,000, $395 per square foot, a median 169 days on market, sellers accepting 80% of original asking. Homes listed or recently sold were built 1997–1998; 3 of 3 report an HOA (median $173/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $8,610 ($8,170 with the full homestead exemption).

Live · Island Cove Housing Pulse Florida Gulf Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$779K
Median sold · 12 mo
$395/sf
Sold $/sqft · 12 mo
peak $395 in 2026
80.1%
Sale vs ask
Tempo
169days
Median DOM · closed
7 days at the 2021 low
0%
Under contract
Collier: 19% (1,017 of 5,466)
2 · 0
For sale · pending
live counts, refreshed twice daily
3
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
49%
Owner-occupied · Island Cove
20 of 41 parcels homesteaded (FL DOR 2025)
51%
Non-owner-occupied · Island Cove
incl. 27% trust or LLC-held · 39% out-of-state
41
Homes in the community
41 residential parcels (FL DOR 2025)
Track record · 13 years of records
Est. 1996
Community established
homes built 1996-1998, median 1997 (FL DOR 2025)
2,037sqft
Median sold home size
12-mo windows, closed sales
7.3%/yr
Turnover rate
about 3 of 41 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 29, 2026

Island Cove is a thin-data market right now. With only two closings in the most recent window, there is not enough volume to draw a reliable median price or a pricing trend, and any number offered without that base would be a guess dressed up as data.

For a buyer or seller, that means the posture here is diligence-first rather than trend-following. You price off comparable, recently sold homes one at a time, not off a community-wide average, and you treat each listing on its own condition and terms rather than assuming the last sale sets the market.

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

Island Cove market snapshot (as of September 20, 2026): the median sale price is about $779K ($395 per sq ft over the trailing 12 months of closed sales), and a median 169 days on market for closed sales.

In ZIP 34109 (Naples), 605 homes closed in the last 12 months at a median of $550K ($343/sq ft), up 1.7% year over year, with a median 75 days on market. Right now 198 active and 51 pending listings put supply at about 8.6 months — a buyer's market. See the live ZIP 34109 housing market and the Collier County market.

Island Cove is a community of 41 homes in Naples, Collier County, built between 1996 and 1998 (median 1997), with a median living area of about 2,402 square feet. 49% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Island Cove sits within Naples in Collier County, but current MLS activity is too limited to support a meaningful price or trend snapshot at this time.

Quick Match

Who Island Cove is best for.

Best for

  • A buyer focused on the Naples location itself who is comfortable pricing off individual comps rather than a community average
  • A buyer or seller who wants direct, in-person verification of a specific listing before committing
  • Someone with flexibility on timeline who can wait for the right individual property rather than needing broad current inventory

Probably not for

  • A buyer who wants a documented amenity list before deciding to look further
  • A buyer who relies on published market trends or median pricing to guide an offer
  • Someone who needs a high-volume, well-tracked market for quick comparison shopping

Windows contain 0 to 6 sales each (3 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.

Homes sold per 12-mo window
02462014201620182020202220242026
0 to 6 a year; 3 in the current window.
How much local inventory is already under contract

21% of homes for sale in ZIP 34109 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).

Island Cove Market Scorecard

Balanced

Island Cove is currently a balanced market., a median asking price of $992,500, and homes go under contract in about 76 days.

$992,500
Median list
$779,000
Median sold
$468
List $/sqft
76
Days on mkt
1/2/0
Active/Pend/Sold

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 Island Cove

Live MLS inventory for Island Cove. 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 · 76 daysTop listing
$950,000
2 bd · 3 ba · 2,031 sqft · built 1998
2325 Island Cove CIR, Naples, 34109
Listed by Premier Sotheby's Int'l Realty
Pending · 23 days
$1,035,000
2 bd · 3 ba · 2,037 sqft · built 1997
2296 Island Cove CIR, Naples, 34109
Listed by 5th Homes
Pending · 2 days
$889,000
2 bd · 3 ba · 2,037 sqft · built 1998
2256 Island Cove CIR, Naples, 34109
Listed by Downing Frye Realty Inc.

Active and pending Island Cove 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.

Interactive Map

Island Cove on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.

Listing locations from Florida Gulf Coast MLS. Map data © OpenStreetMap contributors.

The Strategy

The Island Cove buying strategy.

If we were buying in Island Cove today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Island Cove.

The Quick Decision
Best Buy
A buyer or seller willing to do property-by-property diligence rather than lean on a community-wide market picture.
Biggest Risk
Very limited transaction data means pricing guidance has to come from individual comps, not a community trend.
Sweet Spot
Buyers already familiar with the immediate area who are comfortable evaluating a specific home on its own merits.
Avoid If
You need a well-documented amenity package or a robust sales history to make your decision with confidence.
The Deep Dive

What we can — and can't — say yet

The current MLS feed shows no amenities documented for Island Cove and only a couple of closings in the tracked window. That is not a judgment on the community itself — it simply means the public listing data has not caught up with enough transaction history to characterize the market with confidence.

This is common in smaller or lower-turnover communities: inventory moves quietly, sometimes off-market or through word of mouth, and the MLS record lags behind what is actually happening on the ground. Anyone evaluating Island Cove right now needs a direct look at active and pending listings, plus a conversation with someone who tracks this pocket of Naples closely, rather than relying on a generic community summary.

“

The location and the amenities are priced into every listing in Island Cove. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
Why Momentum

Why work with Momentum here

In a community with this little public transaction data, the value we add is direct verification — pulling current listings, confirming what has actually closed, and walking the property in person before any pricing conversation happens. We will not hand you a market summary that outruns the facts, and we will tell you plainly when Island Cove needs more legwork before a decision makes sense.

The 15-Second Verdict

Island Cove in 15 seconds.

Best forA buyer or seller willing to do property-by-property diligence rather than lean on a community-wide market picture.
Biggest advantageThe location in Naples within Collier County stands on its own, independent of any market statistics.
Biggest riskVery limited transaction data means pricing guidance has to come from individual comps, not a community trend.
Sweet spotBuyers already familiar with the immediate area who are comfortable evaluating a specific home on its own merits.
Avoid ifYou need a well-documented amenity package or a robust sales history to make your decision with confidence.

What it really costs to own in Island Cove

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $9,372/yr across 6 listings here (MLS tax records, 2026-10-20).
HOA duesMedian $2,073/year (about $173/month) across 3 MLS listings (most billed annually; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe 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 ageMedian build year 1998 across 6 listings. An original roof here would be about 28 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 Island Cove

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Island Cove

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Island Cove will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Island Cove homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Island Cove.
In short
  • HOA dues reported around $2,073/year (about $173/month) · median of 3 MLS listings, most billed annually
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $2,073 a year ($173 a month) — the median AssociationFee across 3 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

Run Your Numbers

Tools for a Island Cove buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxCollier County millage and the homestead picture.Rent vs buyThe breakeven on owning in Island Cove.Save Our HomesProject your homestead tax cap over time.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Island Cove sales matched to your home.

Selling in Island Cove

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in Island Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.

What is your Island Cove home worth?

Get a no-obligation home value based on real comparable sales in Island Cove, 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 →

Real comps, not an automated estimate.

Recently off market in Island Cove

Homes in Island Cove that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.

Island Cove key facts
LocationNaples, Collier County, FL · ZIP 34109
Homes in the community41 (FL DOR 2025 assessment roll)
Years built1996–1998 (median 1997)
Typical living area2,402 sq ft (median)
Sale prices, last 12 months$779,000 median across 3 closed sales · $395 per sq ft
Days on market (closed sales)169 median
For sale right now2 active, 0 pending · median asking $992,500
Owner-occupied (homestead) share49%

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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Island Cove key facts,” movewithmomentum.com/neighborhoods/island-cove, data as of September 20, 2026.

Housing distress & ownership in Island Cove, Naples

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 10 listings
Distress share trend — 0.0% now (2026-09-04 → 2026-10-17)

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.

Every Home for Sale in Island Cove Right Now (3)

All 3 active and pending Island Cove listings with a detail page, newest first, refreshed twice a day from the MLS.

Frequently Asked Questions

What is the median home price in Island Cove?
The median sale price in Island Cove was $779K over the 12 months ending September 20, 2026 (3 closed sales, Florida Gulf Coast MLS).
How long do homes in Island Cove take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 169 days on market (3 sales, Florida Gulf Coast MLS).
How many homes are in Island Cove?
The Florida DOR 2025 assessment roll shows 41 homes in Island Cove (public records).
What share of Island Cove is owner-occupied?
49% of Island Cove parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Island Cove built?
Homes in Island Cove were built between 1996 and 1998, with a median year built of 1997 (FL DOR 2025 roll).
Who is the best real estate agent for Island Cove?
The best agent for Island Cove is one who actively works Naples and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Island Cove.
How do I find a top Naples real estate agent who knows Island Cove?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Island Cove and the wider Naples area.
Can Momentum Realty connect me with an agent for Island Cove?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Island Cove purchase or sale - no call center and no pressure.
Where is Island Cove, and what county is it in?
Island Cove is in Naples, Collier County, FL, ZIP 34109. The community's center is about 4 miles north of the center of Naples (straight-line).
The Verdict

Should you buy in Island Cove?

An honest fit check. We will tell you when it is not your community.

A buyer focused on the Naples location itself who is comfortable pricing off individual comps rather than a community averageExcellent fit
A buyer or seller who wants direct, in-person verification of a specific listing before committingExcellent fit
Someone with flexibility on timeline who can wait for the right individual property rather than needing broad current inventoryExcellent fit
A buyer who wants a documented amenity list before deciding to look furtherProbably not
A buyer who relies on published market trends or median pricing to guide an offerProbably not
Someone who needs a high-volume, well-tracked market for quick comparison shoppingProbably not

Data sources & freshness

Live listingsFlorida Gulf Coast MLS, refreshed twice daily (last: October 19, 2026)
Community market statsFlorida Gulf Coast MLS closed sales, 12-month windows ending September 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 34109))
Under-contract sharesFlorida Gulf Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2013 (28 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.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Florida Gulf Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.

Looking to buy here? Search homes for sale →

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More on Island Cove

Nearby Communities

Explore more neighborhoods near Island Cove with Momentum Realty’s local guides.

Les Chateaux0.1 mi away · median $1.09M, 7 sales/12 moSeville (Collier)0.2 mi away · median $770K, 3 sales/12 moSavanna0.2 mi away · median $950K, 6 sales/12 moAugusta At Pelican Marsh0.3 mi away · 1 for saleVictoria Park (Collier)0.3 mi away · median $779K, 3 sales/12 moVictoria Park West0.3 mi awayTimarron0.4 mi away · median $992K, 8 sales/12 moClermont0.4 mi away · median $640K, 13 sales/12 mo

Browse all neighborhood guides →

Thinking of selling in Island Cove? 3 recorded closings; median 169 days on market (window ending 2026-09-20). See the Collier County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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