listed Sep 19, 2026 SingleFamilyResidence
$7,995,000
5-Bedroom Home in OYSTER BAY

1085 Sandpiper St, Naples, FL 34102

SingleFamilyResidence in OYSTER BAY, Naples · No CDD on record · Built 2026
OYSTER BAY · Naples, FL 34102 · Collier County
Listing data checked against the MLS November 4, 2026 at 8:30 PM ET · rechecked hourly
5Bedrooms
6Bathrooms
4,400Sq Ft
2026Year Built
$1817Per Sq Ft
No CDD on record5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
Highlights

1085 Sandpiper St in Oyster Bay, Naples is listed at $7,995,000 (4,400 sq ft, about $1,817 per sq ft). It has been listed Sep 19, 2026. Listing facts: built in 2026. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2026
  • 4,400 sq ft of living area
  • listed Sep 19, 2026
Listing description

About this home

Experience the ultimate in Naples living with this new contemporary water view home, minutes from Fifth Avenue South, with a deeded boat slip, oversized four-car garage and generous storage. Offered fully furnished with a curated art package and a golf cart included — arrive with a suitcase. Completed in 2026 and never lived in, this three-story residence offers approximately 4,400 square feet of elevated living area — five bedrooms, five full baths, a powder room, and a private elevator serving every floor.

The primary suite sits on the main living floor, with three guest suites and a loft club room above: a home that lives easily for two, with room for a few guests or a full house. A dramatic three-story glass entry opens to an open-concept living floor with soaring ceilings, contemporary custom built-ins, and walls of glass framing expansive western views over the water and stunning sunsets. The chef’s eat-in kitchen is replete with an oversized island, custom cabinetry, walk-in pantry, and high-end appliances including a professional gas range, plus a wet bar built for entertaining.

An east–west sightline carries that light through the house to the outdoor living room, where a built-in kitchen, fireplace and relaxed seating overlook the elevated heated pool and spa. Mature tropical landscaping and privacy screening make it entirely private, and the elevated terrace stays usable year-round. The primary suite is a quiet sanctuary with a spa-inspired bath and dual walk-in closets with custom built-ins.

The fifth bedroom is presently appointed as a private office, an elegant work-from-home retreat that reverts to a guest suite whenever needed. Upstairs, three spacious guest suites surround a loft-style club room with wet bar, ideal for morning coffee or an evening cocktail. The lower level adds approximately 1,600 square feet of finished, fully conditioned storage with direct interior access, alongside a climate-controlled four-car garage.

A reinforced perimeter wall surrounds the property, with an integrated flood panel system and backup power for genuine peace of mind. The deeded boat slip sits just out the front door, with a private lift, a City-maintained seawall and no-bridge access to Naples Bay and the Gulf. No canal turns, no clearance math, no bridge waits.

An ideal lifestyle location close to Fifth Avenue South and Third Street South, renowned worldwide for fine dining, galleries and shopping. The Bayshore Arts District, the Naples Pickleball Center and the Gulf beaches are all close at hand, with Naples and Fort Myers airports an easy drive. New, elevated, west-facing, downtown-adjacent, and boat-ready on day one.

All 49 photos

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Description provided by John R Wood Properties and reproduced from the MLS; not independently verified.

Listing courtesy of John R Wood Properties · Listing agent: Kimberly Alvord · (239) 434-0101Provided via the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange · Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information deemed reliable but not guaranteed by the MLS to be accurate. · 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 guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
How it stacks up

Comparable recent sales

No closed sales of a similar home within about 10 miles in Collier County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for OYSTER BAY. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$7,995,000
Bed / bath5 / 6
Living area4,400 sq ft
Year built2026
Property typeSingleFamilyResidence
MLS #226032953
Listing statuslisted Sep 19, 2026

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~4 ft
CountyCollier
Area listings4 active · 0 under contract
Estimated first-year tax~$83,948/yr
CDD assessmentNone on record
HOANot reported

Calculated estimates

Price per sq ft$1817
Estimated monthly payment$52,683
Insurance (illustrative)$18k–$36k/yr

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$52,683/mo
  • Principal & interest $43,589/mo 83%
  • Taxes $6,996/mo 13%
  • Insurance $2,099/mo 4%

$52,683/mo at 20% down, 30-yr @ 7.24% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

What it really costs to own 1085 Sandpiper St

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

Property taxThe current owner's bill is $9,778/yr per the MLS listing record (TaxAnnualAmount, 2026-11-01). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed.
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 differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $17,500–$36,500/yr; neither is a quote.
Roof and ageBuilt in 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$83,948/yr

Estimate: a typical Collier effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$18k–$36k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
Not reported

Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
~4 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Collier County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk

Natural hazard risk

FEMA National Risk Index for Collier County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningVery High
Strong windRelatively Low
DroughtRelatively Moderate
HailVery Low
Cold waveVery High

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Internet & broadband — how to check availability for this address
Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Oyster Bay

Pricing & the Oyster Bay market

How this home is priced against recent nearby sales, and where Oyster Bay has been over 25 years. Momentum Research analysis of Florida Gulf Coast MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

Price vs. size in Oyster Bay

Each dot is a closed sale since 2013 (57 total). This home is the gold marker.

$0$6.1M$12.1M7233,3105,896This home: $7,995,000, 4,400 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). FGCMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2014–2025. This home lists at $1817/sq ft.

$155$862$15702014: $54320142015: $29220152017: $44620172019: $51120192020: $46020202021: $60720212022: $72220222024: $143320242025: $11692025

Median sale price by year

12-month median closed price, 2014–2025.

$188k$2.6M$5.0M2014: $1.8M20142015: $650k20152017: $825k20172019: $1.3M20192020: $1.1M20202021: $948k20212022: $1.4M20222024: $3.0M20242025: $4.5M2025
Property timeline

This home’s history

  • 2026BuiltPer public record
  • About Sep 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Sep 19, 2026)
  • Sep 20, 2026First seen on movewithmomentum.comObserved at $7,995,000
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $7,995,000John R Wood Properties · listed Sep 19, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Research

The Momentum read

43% of homes in Oyster Bay are owner-occupied. An estimated 57% are non-owner-occupied, including 40% held in a company or trust and 26% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 44 homes matched. Community-level context.

What’s unique here: one of only 4 active listings in Oyster Bay, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Checked against the MLS November 4, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by John R Wood Properties · MLS # 226032953

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Keep looking

Similar homes for sale near OYSTER BAY

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in OYSTER BAY

  • 1510 Chesapeake Ave · $3,899,000 · 3 bd / 4 ba · listed November 1, 2026 (courtesy of Compass Florida LLC)
  • 1630 Chesapeake Ave · $2,700,000 · 4 bd / 3 ba · listed October 29, 2026 (courtesy of Compass Florida LLC)

Recently off market in OYSTER BAY

Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings

In the area

Recent Oyster Bay news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Oct 2026 · Infrastructure

American Airlines to resume Naples flights with twice-daily Charlotte service

The Naples Airport Authority approved an operating agreement on Oct. 15 for nonstop CRJ-700 flights to Charlotte starting Dec. 2. Flights will use the North Road Terminal now being renovated, and the airport expects about $650,000 in annual revenue. The airport's last commercial flight was in 2017.

Why it matters: Scheduled commercial service returns to Naples, shortening travel for residents and visitors connecting through Charlotte. The site is about 2 miles east of Oyster Bay.

Gulfshore Business

Oct 2026 · Infrastructure

Naples begins $8M beach renourishment with 208,000 tons of sand

Sand placement started the week of Oct. 26 along about 3.5 miles of shoreline from Doctors Pass to south of 21st Avenue. Roughly 9,450 truck trips will deliver the sand, with work expected to finish by Christmas. The beach stays open, with sections temporarily closed as crews work.

Why it matters: Expect truck traffic at beach access points and short-term section closures through December, followed by a wider beach and added storm buffering for nearby streets. The site is about 2 miles southwest of Oyster Bay.

WINK News

Oct 2026 · Retail Dining

Paragon Theaters to open 11-screen cinema at Mercato in North Naples

Mercato's leasing agent announced on Oct. 21 that Paragon Theaters signed a lease for about 33,700 square feet on the second floor, formerly home to Alamo Drafthouse and Silverspot. The cinema is expected to open in early 2027 with premium large-format screens and in-seat dining. Paragon will keep its Pavilion location on U.S. 41 North.

Why it matters: Refills a vacant entertainment space at Mercato and restores a movie option within the North Naples retail district. The project is about 7 miles north of Oyster Bay, elsewhere in Collier County.

Gulfshore Business

Sep 2026 · Retail Dining

Whole Foods confirmed as anchor of 82-acre Vitano mixed-use project in East Naples

Vitano, an 82-acre master planned development at Davis and Santa Barbara boulevards, plans 86,904 sq ft of retail including a 31,995 sq ft Whole Foods, plus 200 townhomes and 422 apartments. The PUD amendment is under county review. The developer hopes to break ground in 2027.

Why it matters: Would add grocery and dining options and several hundred rental and townhome units in East Naples, with retail opening roughly 20 months after construction starts. The site is about 5 miles southeast of Oyster Bay.

Gulfshore Business

Go deeper

More on OYSTER BAY

Go deeper on OYSTER BAY

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Collier County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Collier County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 1085 Sandpiper St, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2026: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • Confirm whether a mandatory HOA applies to this parcel and what it charges.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • Get a homeowners insurance quote for this specific address in Collier County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 4,400 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $83,948/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordFGCMLS, checked against the MLS hourly (last: November 4, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in Collier County — no medians or automated estimate shown
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of FGCMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 1085 Sandpiper St and when was it built?

Per the listing record, 1085 Sandpiper St was built in 2026 and has 4,400 sq ft of living area, 5 bedrooms and 6 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 1085 Sandpiper St in?

1085 Sandpiper St is in Oyster Bay in Naples, Collier County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Why might property taxes on 1085 Sandpiper St differ from the current owner's?

The estimate on this page (about $83,948 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 1085 Sandpiper St in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Florida Gulf Coast Multiple Listing Service, Inc. Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Florida Gulf Coast Multiple Listing Service, Inc.. 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. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.

Estimates, methodology & disclaimers

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.