Royal Harbor
Homes for Sale in Naples, FL
All 1,961 homes for sale in Naples, FL · median $425,000 · 377 homes for sale in 34102 · 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, Royal Harbor in Naples, FL has 19 homes for sale and 3 pending, asking from $2,199,000 to $13,995,000 (median $5,800,000). Over the 12 months ending 2026-09-20, 24 recorded sales closed at a median of $2,937,500, $1,140 per square foot, a median 77 days on market, sellers accepting 85% of original asking (-17% versus the prior year). Homes listed or recently sold were built 1968–2025 with 2 new construction; 16 of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $32,470 ($32,030 with the full homestead exemption).
Last 30 days in Royal Harbor: 3 new listings (median asking $3,795,000), 3 under contract right now. As of October 17, 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 Royal Harbor
Live MLS inventory for Royal Harbor. 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 Royal Harbor listings as of 2026-10-17, 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.
Royal Harbor right now
🔴 Off the recent peak. The trailing-12-month median ($2.94M) is down 16.8% from the prior 12 months ($3.53M). With about 28 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 (24 and 16 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 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
Royal Harbor market snapshot (as of September 20, 2026): the median sale price is about $2.94M ($1140 per sq ft over the trailing 12 months of closed sales), and a median 77 days on market for closed sales. The trailing-12-month median is down 17% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (24 closings in the current window).
In ZIP 34102 (Naples), 1,157 homes closed in the last 12 months at a median of $570K ($327/sq ft), up 3.3% year over year, with a median 69 days on market. Right now 606 active and 131 pending listings — a buyer's market. See the live ZIP 34102 housing market and the Collier County market.
County records show 12 qualified sales in Royal Harbor across 2024–2025 (6 in 2024, 6 in 2025), median $3.90M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Royal Harbor: of 16 listing addresses checked against the FEMA National Flood Hazard Layer, 100% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Naples.
Royal Harbor is a community of 246 homes in Naples, Collier County, built between 1957 and 2024 (median 2001.0), with a median living area of about 3,902 square feet. 59% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Royal Harbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Royal HarborPhotos from Florida Gulf Coast MLS listings in Royal Harbor; content deemed reliable but not guaranteed.
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 ($2.94M) IS the median in the snapshot above, and the move from 2025 ($3.53M) IS the -16.8% one-year change.
Windows contain 3 to 50 sales each (24 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.
14% of homes for sale in Royal Harbor 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 (2026-10-18).
Royal Harbor Market Scorecard
Royal Harbor is currently a balanced market., a median asking price of $5,847,500, and homes go under contract in about 126 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.
Royal Harbor 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 Royal Harbor buying strategy.
If we were buying in Royal Harbor 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 Royal Harbor.
A closer look at the Royal Harbor market
At a median of $1140 per square foot, Royal Harbor prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median down 17% year over year. Homes that do trade take a median 77 days on market, useful leverage on any listing that has lingered.
The housing stock is 246 homes built between 1957 and 2024, and 59% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Royal Harbor. 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 Royal Harbor 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 (2.6). Basis: Recent Direction -16.8% year-over-year; Owner Commitment 59% owner-occupied; Pricing Power 85.1% sale-to-list. Refreshed with each data update.
What it really costs to own in Royal Harbor
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 $26,210/yr across 44 listings here (MLS tax records, 2026-10-18). |
|---|---|
| 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. Flood: of 16 listing addresses checked against the FEMA flood map, 0% sit outside the high-risk zone and 100% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2003 across 44 listings. An original roof here would be about 23 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 Royal Harbor
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 Royal Harbor
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Royal Harbor 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.
Flood & Insurance Context
Of 16 sampled listing addresses in this community: 100% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=16) · as of 2026-10
Tools for a Royal Harbor 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 Royal Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Royal Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Royal Harbor home worth?
Get a no-obligation home value based on real comparable sales in Royal Harbor, 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 Royal Harbor
Homes in Royal Harbor 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. 5 on record.
- 1645 Bonita Ct · off market
- 1696 Sandpiper St · off market
- 1850 Kingfish Rd · off market
- 2100 Snook Dr · off market
- 2147 Snook Dr · off market
| Location | Naples, Collier County, FL · ZIP 34102 |
|---|---|
| Homes in the community | 246 (FL DOR 2025 assessment roll) |
| Years built | 1957–2024 (median 2001.0) |
| Typical living area | 3,902 sq ft (median) |
| Home types (current listings and sales) | singlefamilyresidence 100% |
| Sale prices, last 12 months | $2,937,500 median across 24 closed sales · $1140 per sq ft · -16.8% vs the prior 12 months |
| Days on market (closed sales) | 77 median |
| For sale right now | 24 active, 1 pending · median asking $5,847,500 |
| Owner-occupied (homestead) share | 59% |
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, “Royal Harbor key facts,” movewithmomentum.com/neighborhoods/royal-harbor, data as of September 20, 2026.
Housing distress & ownership in Royal Harbor, 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 Royal Harbor
The newest homes for sale in Royal Harbor right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 1400 Jewel Box Ave $5,800,000 · 4 bd · 4 ba · 3,738 sq ft · new today Courtesy of Gulf Coast International Prop
- 1880 Sandpiper St $3,795,000 · 3 bd · 4 ba · 2,491 sq ft · 7 days on market Courtesy of William Raveis Real Estate
- 2105 Sheepshead Dr $2,895,000 · 3 bd · 3 ba · 2,009 sq ft · 9 days on market Courtesy of William Raveis Real Estate
- 1590 Sandpiper St $2,199,000 · 3 bd · 2 ba · 1,776 sq ft · 34 days on market Courtesy of Sellstate Advantage Realty
- 2150 Tarpon Rd $5,300,000 · 4 bd · 5 ba · 3,448 sq ft · 37 days on market Courtesy of Premier Sotheby's Int'l Realty
- 1535 Dolphin Ln $5,997,500 · 4 bd · 4 ba · 3,211 sq ft · 60 days on market Courtesy of Coldwell Banker Realty
Checked against the MLS Oct 18, 2026. All new listings in this market.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Tarpon Road (8 homes on record)
- Sandpiper Street (6 homes on record)
- Shad Court (3 homes on record)
Frequently Asked Questions
What is the median home price in Royal Harbor?
How long do homes in Royal Harbor take to sell?
How many homes are in Royal Harbor?
What share of Royal Harbor is owner-occupied?
When were the homes in Royal Harbor built?
Who is the best real estate agent for Royal Harbor?
How do I find a top Naples real estate agent who knows Royal Harbor?
Can Momentum Realty connect me with an agent for Royal Harbor?
Where is Royal Harbor, and what county is it in?
Is Royal Harbor a good place to live?
Data sources & freshness
| Live listings | Florida Gulf Coast MLS, refreshed twice daily (last: October 17, 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 (6 streets, ZIP 34102)) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (369 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 Royal Harbor fits the bigger picture — live prices, inventory, and Momentum Scores:
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More on Royal Harbor
- Home values · What homes in Royal Harbor actually sell for