Island Cove
Homes for Sale in Naples, FL
All 1,847 homes for sale in Naples, FL · median $425,000 · 211 homes for sale in 34109 · 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, 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. 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).
| Location | Naples, Collier County, FL · ZIP 34109 |
|---|---|
| Homes in the community | 41 (FL DOR 2025 assessment roll) |
| Years built | 1996–1998 (median 1997) |
| Typical living area | 2,402 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 now | 2 active, 0 pending · median asking $992,500 |
| Owner-occupied (homestead) share | 49% |
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.
Last 30 days in Island Cove: 1 new listing (median asking $1,035,000). As of October 2, 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.
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.
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.
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
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 ($779K) IS the median in the snapshot above.
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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Collier County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Collier County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
17% 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 (2026-10-01).
Island Cove Market Scorecard
Island Cove is currently a balanced market., a median asking price of $992,500, and homes go under contract in about 48 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.
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.
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.
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 and pending Island Cove listings as of 2026-10-01, 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.
Every Home for Sale in Island Cove Right Now (2)
All 2 active and pending Island Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2296 Island Cove Cir · $1,035,000 · 2 bd / 3 ba · listed Sep 16, 2026 · listed by 5th Homes
- 2325 Island Cove Cir · $950,000 · 2 bd / 3 ba · listed Jul 31, 2026 · listed by Premier Sotheby's Int'l Realty
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.
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 Island Cove.
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.
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.
Island Cove in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $173/month (about $2,076/yr) · median of 36 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $173 per month ($2,076 a year) — the median AssociationFee across 36 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.
Tools for a Island Cove 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 Island Cove sales matched to your home.
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 →
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.
- 2292 Island Cove Cir · off market
Frequently Asked Questions
What is the median home price in Island Cove?
How long do homes in Island Cove take to sell?
How many homes are in Island Cove?
What share of Island Cove is owner-occupied?
When were the homes in Island Cove built?
Who is the best real estate agent for Island Cove?
How do I find a top Naples real estate agent who knows Island Cove?
Can Momentum Realty connect me with an agent for Island Cove?
Where is Island Cove, and what county is it in?
Should you buy in Island Cove?
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 1, 2026) |
| Community market stats | Florida Gulf Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34109)) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Island Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Island Cove
- Home values · What homes in Island Cove actually sell for
Nearby Communities
Explore more neighborhoods near Island Cove with Momentum Realty’s local guides.