Bay Terrace
Homes for Sale in Naples, FL
All 1,847 homes for sale in Naples, FL · median $425,000 · 343 homes for sale in 34102 · Collier County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 22 closed sales in Bay Terrace in Naples, FL since 2014, the most recent in May 2026. Across Naples as a whole, 14 homes closed in the last 12 months at a median of $600,000, 74 median days on market, with 2,769 homes for sale today. At that median and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $6,630 ($6,200 with the full homestead exemption).
Bay Terrace is not a community where the market speaks in large numbers. The MLS feed shows a single closing in the current window, which means there isn't a real trend line to point to yet, only a data point. Anyone quoting you a firm price range or a market direction for this specific pocket of Naples is extrapolating further than the data allows.
For a buyer or seller, that thinness is the headline. Pricing here has to be built bottom-up, from the individual home's condition, lot, and finishes compared against nearby comparable communities, rather than from a robust internal sales history. It also means timing matters less than preparation: with so few transactions to anchor expectations, a well-documented, well-priced listing stands out immediately, and a buyer with financing and terms in order can move with less competition.
Nearby homes for sale
No active listings inside Bay TerraceHomes for Sale in Naples, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Bay Terrace sits within Naples in Collier County, but current MLS activity here is limited to a single recent closing, so this is a market read best paired with a broader look at surrounding, more active communities.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Bay Terrace is best for.
Best for
- A buyer focused on a specific home or lot in this part of Naples rather than a data-backed community trend
- A buyer comfortable pricing a property from broader area comps since Bay Terrace-specific sales history is minimal
- A buyer who wants to move on a listing with less competitive pressure due to low current transaction volume
Probably not for
- A buyer who wants recent closed-sales history to validate pricing before writing an offer
- A buyer relying on stated community amenities as part of the decision, since none are currently identified in MLS data
- A buyer who wants a fast, data-driven read on market direction before committing
The market around Bay Terrace
Bay Terrace is too small for its own price trend, so here is the market around it.
In ZIP 34102, 399 homes are on the market and 14% are under contract — a slower corner of Naples.
Across Collier County, 4,449 homes are active and 1,017 pending (19% under contract).
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.
ZIP and county figures describe the wider market, not Bay Terrace specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Bay Terrace, 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.
The Bay Terrace buying strategy.
If we were buying in Bay Terrace 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 Bay Terrace.
A Quiet Corner of the Data
No amenities are identified for Bay Terrace in current MLS listings. That doesn't necessarily mean the community lacks them, only that the listing data isn't surfacing anything to market on, which is itself useful information for a buyer trying to understand what they're paying for versus what a neighboring community explicitly advertises.
With one closing in the current window, Bay Terrace functions more like an individual-property market than a community-level one right now. Any pricing conversation has to start with the specific home in front of you, its condition and lot, checked against comparable sales in adjacent Naples communities, rather than a Bay Terrace-specific trend.
The location and the amenities are priced into every listing in Bay Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Thin-data communities are exactly where local, hands-on comp work matters most. We don't rely on a shallow internal sales history to price a home in Bay Terrace, we build the case from the specific property and the closest relevant comparables in the surrounding Naples market, so you're negotiating from an accurate position instead of a guess.
Bay Terrace in 15 seconds.
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.
Tools for a Bay Terrace 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 Bay Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Terrace home worth?
Get a no-obligation home value based on real comparable sales in Bay Terrace, 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 →
Should you buy in Bay Terrace?
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 17, 2026) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (22 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Bay Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Bay Terrace
Where is Bay Terrace?
Bay Terrace is a community in Naples, Collier County, Florida, ZIP 34102.
Are there homes for sale in Bay Terrace right now?
No active listings inside Bay Terrace at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Bay Terrace have an HOA or CDD?
No HOA is on record for Bay Terrace in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Bay Terrace with Momentum Realty’s local guides.
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.