Monterey
Homes for Sale in Naples, FL
All 2,052 homes for sale in Naples, FL · median $429,000 · 216 homes for sale in 34109 · Collier County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Florida Gulf Coast MLS
As of October 2026, Monterey in Naples, FL has 7 homes for sale and 1 pending, asking from $519,000 to $2,895,000 (median $2,150,000). Over the 12 months ending 2026-09-20, 20 recorded sales closed at a median of $1,625,000, $586 per square foot, a median 91 days on market, sellers accepting 93% of original asking (-10% versus the prior year). Homes listed or recently sold were built 1990–1998; 5 of 8 report an HOA (median $422/mo); none of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $17,960 ($17,520 with the full homestead exemption).
Last 30 days in Monterey: 2 new listings (median asking $1,434,000), 1 under contract right now. 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.
Homes For Sale Right Now in Monterey
Live MLS inventory for Monterey. 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 Monterey listings as of 2026-10-20, 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.
Monterey's pricing is a function of space, not scarcity. At a median of roughly 3,090 square feet, these are larger-format homes for the price point, and the median price of $1,685,000 reflects that footprint more than any single amenity or feature. Price per square foot lands at $606.55, which puts the math in context: buyers here are paying for interior volume and lot, not a premium finish level tied to new construction, since the homes themselves date from 1989 to 2017 with a median build year of 1994.
A median of 78 days on market and a heat score of 49 describe a community that is not moving fast in either direction. Homes sell, but not instantly, and sellers who price against comparable recent closings rather than aspiration tend to do better. The 19.3% year-over-year change is a meaningful move, and it suggests the market has repriced upward over the past year even as the pace of sales itself has stayed measured rather than frantic.
Figures in this note are as of July 29, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Monterey right now
🔴 Off the recent peak. The trailing-12-month median ($1.63M) is down 9.7% from the prior 12 months ($1.80M). With about 24 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Florida Gulf Coast MLS closed sales, 12-month windows ending September 20. Confidence: High (20 and 17 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Florida Gulf Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Monterey market snapshot (as of September 20, 2026): the median sale price is about $1.63M ($586 per sq ft over the trailing 12 months of closed sales), and a median 92 days on market for closed sales. The trailing-12-month median is down 10% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (20 closings in the current window).
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.
Florida Gulf Coast MLS sales records identify 18 homes in Monterey that have changed hands since 2013, built between 1989 and 1998 (median 1994), with a median living area of about 2,876 sq ft and a typical 4-bedroom, 3-bath layout. Source: Florida Gulf Coast MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Monterey is an established Naples community of 414 homes built out between 1989 and 2017, with a median build year of 1994 and a median living area near 3,090 square feet. With 77.6% of homes carrying a homestead exemption, the community skews toward primary residency rather than a seasonal or investment-heavy mix.
The setting & the homes.
Aerial and on-site photos of Monterey. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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MontereyPhotos from Florida Gulf Coast MLS listings in Monterey; content deemed reliable but not guaranteed.
Who Monterey is best for.
Best for
- Buyers prioritizing larger interior square footage over a bundled amenity package.
- Buyers planning a primary residence in a community where most homes carry a homestead exemption.
- Buyers comfortable with an established build era (1989-2017) and willing to weigh renovation condition into price.
Probably not for
- Buyers who want a newer-construction home; the build range here tops out in 2017 with a 1994 median year built.
- Buyers whose priority is a resort-style clubhouse, gate, or recreation amenity, since none is identified from current listings.
- Buyers expecting a fast, high-turnover market; median days on market here run into the mid-70s.
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 ($1.63M) IS the median in the snapshot above, and the move from 2025 ($1.80M) IS the -9.7% one-year change.
Windows contain 5 to 42 sales each (20 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.
20% 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).
Monterey Market Scorecard
Monterey is currently a balanced market., a median asking price of $2,150,000, and homes go under contract in about 37 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.
Monterey 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 Monterey buying strategy.
If we were buying in Monterey 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 Monterey.
Space and vintage set the price, not amenities
There is no standing amenity package identified from current MLS listings for Monterey, so buyers should treat this as a community defined by the homes themselves rather than a clubhouse, gate, or recreation package. That reality lines up with the numbers: a median living area of roughly 3,090 square feet and a build window running from 1989 to 2017 point to larger single-family construction from an earlier development era, priced today at a median of $1,685,000 and $606.55 per square foot.
The homestead share of 77.6% is worth sitting with. In a market where investment and seasonal-rental activity often drives faster turnover and more listing churn, a homestead-heavy community usually behaves differently: fewer forced-sale situations, more deliberate pricing, and inventory that turns over when life circumstances change rather than on an investment timeline. That context helps explain a median 78-day market time even inside a year of 19.3% price growth.
The location and the amenities are priced into every listing in Monterey. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Monterey buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.8). Basis: Recent Direction -9.7% year-over-year; Owner Commitment 84% owner-occupied; Pricing Power 93.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community with no formal amenity package to anchor comparisons, pricing has to be built from the homes and lots themselves, and that is where local, listing-level analysis matters more than a generic comp pull. We track Monterey's closings directly, so pricing conversations start from what has actually sold and at what pace, not from a countywide average that does not reflect this specific mix of vintage, square footage, and homestead-driven inventory.
Monterey in 15 seconds.
Tools for a Monterey 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 Monterey sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Monterey, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Monterey home worth?
Get a no-obligation home value based on real comparable sales in Monterey, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Monterey
Homes in Monterey 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. 7 on record.
- 1738 San Bernadino Way M204 · off market
- 2025 Mission Dr · off market
- 2039 Mission Dr · off market
- 7562 Cordoba Cir · off market
- 7657 Ponte Verde Way · off market
- 7661 San Sebastian Way · off market
- 7678 Santa Margherita Way · off market
| Location | Naples, Collier County, FL · ZIP 34109, 34145 |
|---|---|
| Homes in the community | 31 (FL DOR 2025 assessment roll) |
| Years built | 1992–2005 (median 1996) |
| Typical living area | 3,691 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 88%, attached 12% |
| Sale prices, last 12 months | $1,625,000 median across 20 closed sales · $586 per sq ft · -9.7% vs the prior 12 months |
| Days on market (closed sales) | 91 median |
| For sale right now | 7 active, 0 pending · median asking $2,150,000 |
| Owner-occupied (homestead) share | 84% |
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, “Monterey key facts,” movewithmomentum.com/neighborhoods/monterey--collier, data as of September 20, 2026.
Housing distress & ownership in Monterey, 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 Monterey
The newest homes for sale in Monterey right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 7585 Cordoba Cir $2,349,000 · 4 bd · 3 ba · 2,751 sq ft · 18 days on market Courtesy of John R Wood Properties
- 8069 San Vista Cir $519,000 · 3 bd · 2 ba · 1,452 sq ft · 19 days on market Courtesy of Premier Sotheby's Int'l Realty
- 8137 Ronda Ct $1,835,000 · 4 bd · 3 ba · 3,215 sq ft · 33 days on market Courtesy of John R Wood Properties
- 7558 Cordoba Cir $1,525,000 · 3 bd · 3 ba · 2,118 sq ft · 37 days on market Courtesy of John R Wood Properties
- 2056 Mission Dr $2,895,000 · 5 bd · 5 ba · 5,000 sq ft · 89 days on market Courtesy of Downing Frye Realty Inc.
- 2036 Laguna Way $2,150,000 · 3 bd · 4 ba · 2,876 sq ft · 116 days on market Courtesy of Premier Sotheby's Int'l Realty
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Monterey Collier Right Now (8)
All 8 active and pending Monterey Collier listings with a detail page, newest first, refreshed twice a day from the MLS.
- 7585 Cordoba Cir · $2,349,000 · 4 bd / 3 ba · listed Oct 3, 2026 · listed by John R Wood Properties
- 8069 San Vista Cir · $519,000 · 3 bd / 2 ba · listed Oct 2, 2026 · listed by Premier Sotheby's Int'l Realty
- 8137 Ronda Ct · $1,835,000 · 4 bd / 3 ba · listed Sep 16, 2026 · listed by John R Wood Properties
- 7558 Cordoba Cir · $1,525,000 · 3 bd / 3 ba · listed Aug 30, 2026 · listed by John R Wood Properties
- 2056 Mission Dr · $2,895,000 · 5 bd / 5 ba · listed Jul 23, 2026 · listed by Downing Frye Realty Inc.
- 2036 Laguna Way · $2,150,000 · 3 bd / 4 ba · listed Jul 23, 2026 · listed by Premier Sotheby's Int'l Realty
- 8037 Vera Cruz Way · $2,495,000 · 4 bd / 3 ba · listed Jul 22, 2026 · listed by Premier Sotheby's Int'l Realty
- 8058 Vera Cruz Way · $1,649,000 · 6 bd / 5 ba · pending · listed Jul 22, 2026 · listed by John R Wood Properties
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Naples guides & data
- Market data
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- Flood zones
- Home insurance cost
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- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
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- Florida property tax calculator
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- The 4-point inspection, explained
- Florida flood insurance calculator
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What it really costs to own in Monterey
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 $6,232/yr across 16 listings here (MLS tax records, 2026-10-20). |
|---|---|
| HOA dues | Median $422/month across 5 MLS listings (most billed quarterly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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 1993 across 16 listings. An original roof here would be about 33 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. |
Estimated carrying cost at the median asking price, before the mortgage: about $1,120/month (tax $519, HOA $422, insurance $179). An estimate from the sources above, not a quote.
Email me new listings in Monterey
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 Monterey
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Monterey will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Monterey?
How long do homes in Monterey take to sell?
What share of Monterey is owner-occupied?
Who is the best real estate agent for Monterey?
How do I find a top Naples real estate agent who knows Monterey?
Can Momentum Realty connect me with an agent for Monterey?
Where is Monterey, and what county is it in?
Is Monterey a good place to live?
Should you buy in Monterey?
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 20, 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 34109/34145)) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (325 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.
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See how Monterey fits the bigger picture — live prices, inventory, and Momentum Scores:
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More on Monterey
- Home values · What homes in Monterey actually sell for