Sterling Lakes
Homes for Sale in Naples, FL
All 2,052 homes for sale in Naples, FL · median $429,000 · 1,840 condos for sale in Naples · 224 homes for sale in 34104 · Collier County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Over the 12 months ending 2026-09-20, 5 recorded sales closed at a median of $425,000, $246 per square foot, a median 64 days on market, sellers accepting 95% of original asking (-5% versus the prior year). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $4,700 ($4,260 with the full homestead exemption).

Sterling Lakes is pricing off condition right now more than anything else. With a median of $425,000 and a median price per square foot of $246.09, the spread between an updated, move-in-ready listing and one that needs work is doing most of the work on final sale price. Add in only five closings in the current window, and any single sale can swing the read on where the market actually sits.
The posture here favors buyers willing to be patient. A median of 64 days on market and a market heat score of 36 both point to a slower-moving, less competitive environment, and pricing is down 5.0% year over year. Sellers who price realistically and present the home well are still moving it — just not on a fast timeline.
Figures in this note are as of July 29, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Sterling Lakes right now
🟡 Off the recent peak. The trailing-12-month median ($425K) is down 5.0% from the prior 12 months ($448K). With about 6 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: Low (5 and 6 sales in the two windows).
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· 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
Sterling Lakes market snapshot (as of September 20, 2026): the median sale price is about $425K ($246 per sq ft over the trailing 12 months of closed sales), and a median 64 days on market for closed sales. The trailing-12-month median is down 5% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (5 closings in the current window).
In ZIP 34104 (Naples), 1,347 homes closed in the last 12 months at a median of $570K ($327/sq ft), down 2.4% year over year, with a median 59 days on market. Right now 580 active and 154 pending listings — a buyer's market. See the live ZIP 34104 housing market and the Collier County market.
Florida Gulf Coast MLS sales records identify 8 homes in Sterling Lakes that have changed hands since 2013, built between 1988 and 2003 (median 2002), with a median living area of about 1,727 sq ft and a typical 2-bedroom, 2-bath layout; 88% are condominiums. 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.
Sterling Lakes sits in Naples within Collier County, and the current MLS snapshot shows a market that has cooled from a year ago rather than one accelerating — a useful data point for anyone gauging urgency.
Who Sterling Lakes is best for.
Best for
- Buyers working with a budget around the $425,000 median who don't need a fast close
- Buyers comfortable doing their own diligence on amenities rather than relying on listing marketing
- Buyers who want negotiating room in a market currently trending softer year over year
Probably not for
- Buyers who need a large, statistically deep set of recent comps to feel confident on price
- Buyers expecting specific community amenities to be pre-confirmed in the listing data
- Buyers who want to move in a market showing upward year-over-year momentum
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 ($425K) IS the median in the snapshot above, and the move from 2025 ($448K) IS the -5.0% one-year change.
Windows contain 1 to 14 sales each (5 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.
23% of homes for sale in ZIP 34104 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 (2026-09-20).
Sterling Lakes Market Scorecard
Sterling Lakes is currently a balanced market..
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.
The Sterling Lakes buying strategy.
If we were buying in Sterling Lakes 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 Sterling Lakes.
A market in quiet recalibration
The 5.0% year-over-year decline in Sterling Lakes isn't a collapse — it's a normalization. Paired with a median of 64 days on market, it tells you offers aren't coming in fast, and sellers who list at aspirational prices are the ones adding days to that number. The $246.09 median price per square foot is the more stable reference point if you're trying to sanity-check a specific listing against the broader community.
A market heat score of 36 puts this squarely on the cooler end, which in practice means less competition for buyers and less urgency to waive contingencies. The current MLS pull doesn't identify specific community amenities, so any amenity claims on a given listing should be verified directly rather than assumed from the community name alone.
The location and the amenities are priced into every listing in Sterling Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With only five closings in the current window and no amenity data surfacing from MLS listings, Sterling Lakes is a community where the public numbers only tell part of the story. We track the individual listings behind that thin dataset, verify what a specific home actually includes before you write an offer, and price against condition — not against a headline median that can be skewed by a handful of sales.
Sterling Lakes in 15 seconds.
Email me new listings in Sterling Lakes
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 Sterling Lakes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Sterling Lakes will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $5,400/year (about $450/month) · median of 18 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $5,400 a year ($450 a month) — the median AssociationFee across 18 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 Sterling Lakes 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 Sterling Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sterling Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sterling Lakes home worth?
Get a no-obligation home value based on real comparable sales in Sterling Lakes, 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 Sterling Lakes
Homes in Sterling Lakes 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. 3 on record.
- 6850 Sterling Greens Dr 201 · off market
- 6867 Sterling Greens Dr 101 · off market
- 6894 Sterling Greens Ct 201 · off market
| Location | Naples, Collier County, FL · ZIP 34104 |
|---|---|
| Sale prices, last 12 months | $425,000 median across 5 closed sales · $246 per sq ft · -5.0% vs the prior 12 months |
| Days on market (closed sales) | 64 median |
| For sale right now | 0 active, 1 pending |
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, “Sterling Lakes key facts,” movewithmomentum.com/neighborhoods/sterling-lakes, data as of September 20, 2026.
Housing distress & ownership in Sterling Lakes, 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.
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Naples guides & data
- Market data
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- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Frequently Asked Questions
What is the median home price in Sterling Lakes?
How long do homes in Sterling Lakes take to sell?
Who is the best real estate agent for Sterling Lakes?
How do I find a top Naples real estate agent who knows Sterling Lakes?
Can Momentum Realty connect me with an agent for Sterling Lakes?
Where is Sterling Lakes, and what county is it in?
Should you buy in Sterling Lakes?
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: September 29, 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 (97 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 Sterling Lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Sterling Lakes
- Home values · What homes in Sterling Lakes actually sell for
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