Emerald Lakes
Homes for Sale in Naples, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Florida Gulf Coast MLS
Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $640,000, $445 per square foot, a median 5 days on market, sellers accepting 96% of original asking (-7% versus the prior year). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $7,070 ($6,640 with the full homestead exemption).
Emerald Lakes is a small, tightly built pocket of 145 homes, all dating from a narrow construction window between 1989 and 1995. That consistency matters more than it sounds: buyers are shopping a community where the housing stock is essentially the same age, so condition and updates — not era of construction — do most of the work in separating one listing from the next.
With just over 60 percent of homes reported as owner-occupied (homestead), this is a community with a solid core of long-term ownership rather than a rotating rental base. For sellers, that means less competition from investor-driven listings. For buyers, it means turnover is more a function of individual circumstance than of broader speculative cycles, so patience and a clean offer tend to matter more than speed.
Emerald Lakes right now
🟡 Off the recent peak. The trailing-12-month median ($640K) is down 7.2% from the prior 12 months ($690K). With about 7 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 12. Confidence: Low (3 and 8 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated September 12, 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
Emerald Lakes market snapshot (as of September 12, 2026): the median sale price is about $640K ($445 per sq ft over the trailing 12 months of closed sales), and a median 5 days on market for closed sales. The trailing-12-month median is down 7% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (3 closings in the current window).
Set in Naples within Collier County, Emerald Lakes is a compact, established community built out almost entirely between 1989 and 1995, with a median home size of just over 2,000 square feet — a scale that reads as classic, mid-sized Naples resale housing rather than new construction or estate-sized product.
Who Emerald Lakes is best for.
Best for
- Buyers who want an established, single-era community with a straightforward resale market
- Buyers prioritizing home and location over a shared amenity package
- Buyers comfortable evaluating condition and updates home-by-home rather than relying on a uniform community feature set
Probably not for
- Buyers who specifically want a gated community with a clubhouse, pool, or recreation program
- Buyers seeking new or recently built construction
- Buyers who want amenity fees bundled into a predictable monthly cost
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Florida Gulf Coast MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($640K) IS the median in the snapshot above, and the move from 2025 ($690K) IS the -7.2% one-year change.
Windows contain 0 to 14 sales each (3 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.
Emerald Lakes Market Scorecard
Emerald Lakes is currently a thin data market. Limited supply, a median asking price of n/a.
Typical home value in the 34109 ZIP is $580,924, about 27.9% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Emerald 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.
Homes For Sale Right Now in Emerald Lakes
Live MLS inventory for Emerald Lakes. 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 Emerald Lakes listings as of 2026-09-12, 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.
The Emerald Lakes buying strategy.
If we were buying in Emerald 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 Emerald Lakes.
A Single-Era Community
There is no current MLS-listed amenity package tied to Emerald Lakes, which means the value proposition here rests on the home itself and its location within Naples, not on a clubhouse, gate, or recreation package. Buyers should treat this as a straightforward resale market: what you see in the listing photos and the inspection report is largely what you are pricing.
Because every home in the community was built within a six-year span, age-related systems — roofs, HVAC, and interior finishes — tend to cluster in similar replacement cycles across the neighborhood. That makes it worth asking pointed questions about what has and has not been updated on any specific listing, since two homes built a year apart can be in very different places in their maintenance timeline three decades later.
The location and the amenities are priced into every listing in Emerald Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this size, with no shared amenity system to anchor comparisons, pricing a home correctly depends on reading recent closings and condition-level detail rather than leaning on a standard feature set. We track that closing activity in Emerald Lakes directly so sellers price to the current window and buyers know what they are actually competing against.
Emerald Lakes 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 Emerald 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 Emerald Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Emerald 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 Emerald Lakes home worth?
Get a no-obligation home value based on real comparable sales in Emerald 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 Emerald Lakes
Homes in Emerald 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. 1 on record.
- 7375 Mill Pond Cir · off market
Frequently Asked Questions
What is the median home price in Emerald Lakes?
How long do homes in Emerald Lakes take to sell?
Who is the best real estate agent for Emerald Lakes?
How do I find a top Naples real estate agent who knows Emerald Lakes?
Can Momentum Realty connect me with an agent for Emerald Lakes?
Should you buy in Emerald Lakes?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Emerald Lakes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Florida Gulf Coast MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Florida Gulf Coast MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-08 |
| 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 Emerald Lakes fits the bigger picture — live prices, inventory, and Momentum Scores: