Horse Creek Estates
Homes for Sale in Naples, FL
All 1,839 homes for sale in Naples, FL · median $425,000 · 312 homes for sale in 34110 · Collier County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Florida Gulf Coast MLS
As of September 2026, Horse Creek Estates in Naples, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 9 recorded sales closed at a median of $1,025,000, $412 per square foot, a median 123 days on market, sellers accepting 88% of original asking. At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $11,330 ($10,890 with the full homestead exemption).
| Location | Naples, Collier County, FL · ZIP 34110 |
|---|---|
| Sale prices, last 12 months | $1,025,000 median across 9 closed sales · $412 per sq ft |
| Days on market (closed sales) | 123 median |
| For sale right now | 1 active, 0 pending · median asking $975,000 |
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, “Horse Creek Estates key facts,” movewithmomentum.com/neighborhoods/horse-creek-estates, data as of September 20, 2026.
The number that matters most here is the mismatch between median living area (1,377 sqft) and median price ($1,025,000). At a median $412.39 per square foot, this is not a community where you're paying for volume of house — you're paying for something else, likely land, lot configuration, or location within Naples. With a median year built of 1982 against a range running back to 1962 and up to 2022, the stock is a mix of original-condition homes and later rebuilds or renovations sitting side by side, which is exactly the kind of spread that produces wide price variation for similar-looking listings.
A median 123 days on market is slow by any standard, and with only 9 closings in the current window, the data set is thin enough that a single unusual sale can move the median in either direction. For sellers, that combination argues for pricing to condition and being patient rather than testing the market. For buyers, it means real negotiating room exists on homes that aren't priced or presented correctly, and there's time to do the homework — survey, inspection, comparable rebuild costs — before committing.
The 60-Second Overview
Horse Creek Estates market snapshot (as of September 20, 2026): the median sale price is about $1.03M ($412 per sq ft over the trailing 12 months of closed sales), and a median 123 days on market for closed sales.
In ZIP 34110 (Naples), 632 homes closed in the last 12 months at a median of $675K ($369/sq ft), down 7.3% year over year, with a median 87 days on market. Right now 271 active and 65 pending listings — a soft market. See the live ZIP 34110 housing market and the Collier County market.
Horse Creek Estates is an older Naples community where lot value and land use appear to carry more of the price than square footage does, and the roughly even split between homestead and non-homestead filings suggests a mix of primary residences and second homes or investment holds.
Who Horse Creek Estates is best for.
Best for
- Buyers prioritizing lot and location over interior square footage
- Buyers comfortable budgeting for renovation or system updates on an older home
- Buyers or investors who don't need on-site amenities as part of the purchase
Probably not for
- Buyers who want a fast, competitive-offer transaction — this market moves slowly
- Buyers expecting new construction or recently updated systems as the norm
- Buyers who want clubhouse, pool, or organized recreational amenities included
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 ($1.03M) IS the median in the snapshot above.
Windows contain 0 to 11 sales each (9 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.
16% of homes for sale in ZIP 34110 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 (2026-09-21).
Horse Creek Estates Market Scorecard
Horse Creek Estates is currently a balanced market., a median asking price of $975,000, and homes go under contract in about 624 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.
Housing distress & ownership in Horse Creek Estates, 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 Horse Creek Estates
Live MLS inventory for Horse Creek Estates. 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 Horse Creek Estates listings as of 2026-09-30, 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.
Every Home for Sale in Horse Creek Estates Right Now (1)
All 1 active and pending Horse Creek Estates listings with a detail page, newest first, refreshed twice a day from the MLS.
- 291 Saddlebrook Ln · $975,000 · 4 bd / 3 ba · listed Jul 1, 2026 · listed by Realty One Group MVP
The Horse Creek Estates buying strategy.
If we were buying in Horse Creek Estates 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 Horse Creek Estates.
Land, Age, and a Thin Market
With 588 homes total and a build range spanning six decades, Horse Creek Estates isn't a single-phase, single-builder subdivision — it's accumulated inventory of different eras, which means due diligence has to be done house by house rather than assumed from the neighborhood name. The median year built of 1982 puts the typical home well into the age range where roofs, HVAC systems, and electrical panels are reasonable questions to ask regardless of how a listing photographs.
No community amenities are identified in current MLS listings, which tells buyers this isn't an amenity-driven purchase — the draw here is the land and the Naples location itself, not a clubhouse or gated recreation package. That should shape how you evaluate value: compare lot size and positioning, not resort features, when you're sizing up one listing against another.
The location and the amenities are priced into every listing in Horse Creek Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A market with a 123-day median DOM and only 9 closings in the current window rewards patience and pricing discipline over guesswork, and that's where a broker who tracks the actual comps — not just the community average — earns their fee, whether you're setting a list price or deciding what a specific older home is really worth before you write an offer.
Horse Creek Estates 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 Horse Creek Estates 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 Horse Creek Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Horse Creek Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Horse Creek Estates home worth?
Get a no-obligation home value based on real comparable sales in Horse Creek Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Horse Creek Estates?
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Who is the best real estate agent for Horse Creek Estates?
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Where is Horse Creek Estates, and what county is it in?
Should you buy in Horse Creek Estates?
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 30, 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 (84 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 Horse Creek Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Horse Creek Estates
- Home values · What homes in Horse Creek Estates actually sell for
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