Island Cove
Homes for Sale in Naples, FL
All 2,295 homes for sale in Naples, FL · median $439,000 · 242 homes for sale in 34109 · Collier County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Florida Gulf Coast MLS
As of November 2026, Island Cove in Naples, FL has 1 home for sale. As of November 2026, the MLS records 2 closed sales in Island Cove in Naples, FL since 2026, the most recent in October 2026. Across Naples as a whole, 1,831 homes closed in the last 12 months at a median of $577,000, 76 median days on market. At that median and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $6,380 ($5,940 with the full homestead exemption).
Island Cove is a thin-data market right now. With only two closings in the most recent window, there is not enough volume to draw a reliable median price or a pricing trend, and any number offered without that base would be a guess dressed up as data.
For a buyer or seller, that means the posture here is diligence-first rather than trend-following. You price off comparable, recently sold homes one at a time, not off a community-wide average, and you treat each listing on its own condition and terms rather than assuming the last sale sets the market.
Figures in this note are as of July 29, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Island Cove sits within Naples in Collier County, but current MLS activity is too limited to support a meaningful price or trend snapshot at this time.
Florida Gulf Coast MLS sales records identify 7 homes in Island Cove that have changed hands, built between 1996 and 1998 (median 1997), with a median living area of about 2,037 sq ft and a typical 2-bedroom, 2.5-bath layout. 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.
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 Island Cove is best for.
Best for
- A buyer focused on the Naples location itself who is comfortable pricing off individual comps rather than a community average
- A buyer or seller who wants direct, in-person verification of a specific listing before committing
- Someone with flexibility on timeline who can wait for the right individual property rather than needing broad current inventory
Probably not for
- A buyer who wants a documented amenity list before deciding to look further
- A buyer who relies on published market trends or median pricing to guide an offer
- Someone who needs a high-volume, well-tracked market for quick comparison shopping
The market around Island Cove
Island Cove is too small for its own price trend, so here is the market around it.
In ZIP 34109, 292 homes are on the market and 19% are under contract — a steady corner of Naples.
Across Collier County, 5,183 homes are active and 932 pending (15% under contract).
In ZIP 34109 (Naples), 114 homes closed in the last 12 months at a median of $591K ($335/sq ft), with a median 85 days on market. Right now 89 active and 21 pending listings put supply at about 9.4 months — a soft market. See the live ZIP 34109 housing market and the Collier County market.
ZIP and county figures describe the wider market, not Island Cove specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Island Cove
Live MLS inventory for Island Cove. 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 Island Cove listings as of 2026-11-11, 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 Island Cove buying strategy.
If we were buying in Island Cove 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 Island Cove.
What we can — and can't — say yet
The current MLS feed shows no amenities documented for Island Cove and only a couple of closings in the tracked window. That is not a judgment on the community itself — it simply means the public listing data has not caught up with enough transaction history to characterize the market with confidence.
This is common in smaller or lower-turnover communities: inventory moves quietly, sometimes off-market or through word of mouth, and the MLS record lags behind what is actually happening on the ground. Anyone evaluating Island Cove right now needs a direct look at active and pending listings, plus a conversation with someone who tracks this pocket of Naples closely, rather than relying on a generic community summary.
The location and the amenities are priced into every listing in Island Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little public transaction data, the value we add is direct verification — pulling current listings, confirming what has actually closed, and walking the property in person before any pricing conversation happens. We will not hand you a market summary that outruns the facts, and we will tell you plainly when Island Cove needs more legwork before a decision makes sense.
Island Cove in 15 seconds.
Tools for a Island Cove 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 Island Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Island Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Island Cove home worth?
Get a no-obligation home value based on real comparable sales in Island Cove, 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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Recently off market in Island Cove
Homes in Island Cove 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. 2 on record.
- 2292 Island Cove Cir · off market
- 2296 Island Cove Cir · off market
| Location | Naples, Collier County, FL · ZIP 34109 |
|---|---|
| Homes in the community | 41 (FL DOR 2025 assessment roll) |
| Years built | 1996–1998 (median 1997) |
| Typical living area | 2,402 sq ft (median) |
| For sale right now | 1 active, 1 pending · median asking $950,000 |
| Owner-occupied (homestead) share | 49% |
Data as of November 11, 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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Island Cove key facts,” movewithmomentum.com/neighborhoods/island-cove, data as of November 11, 2026.
Housing distress & ownership in Island Cove, 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.
Every Home for Sale in Island Cove Right Now (2)
All 2 active and pending Island Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2256 Island Cove Cir · $889,000 · 2 bd / 3 ba · pending · listed Oct 14, 2026 · listed by Downing Frye Realty Inc.
- 2325 Island Cove Cir · $950,000 · 2 bd / 3 ba · listed Aug 13, 2026 · listed by Premier Sotheby's Int'l Realty
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- ZIP 34109 housing scorecard
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Naples guides & data
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Florida buyer guides
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- Florida property tax calculator
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- The 4-point inspection, explained
- Florida flood insurance calculator
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20% of homes for sale in ZIP 34109 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 (2026-11-12).
What it really costs to own in Island Cove
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $9,545/yr across 4 listings here (MLS tax records, 2026-11-12). |
|---|---|
| HOA dues | Median $2,073/year (about $173/month) across 3 MLS listings (most billed annually; 2026-11-12). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Collier County is $2,147/yr (2,002 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1998 across 4 listings. An original roof here would be about 28 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Island Cove
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 Island Cove
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Island Cove will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
How many homes are in Island Cove?
What share of Island Cove is owner-occupied?
When were the homes in Island Cove built?
Who is the best real estate agent for Island Cove?
How do I find a top Naples real estate agent who knows Island Cove?
Can Momentum Realty connect me with an agent for Island Cove?
Where is Island Cove, and what county is it in?
Should you buy in Island Cove?
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: November 11, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34109)) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (2 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. A Momentum agent can price yours against live local comps.
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See how Island Cove fits the bigger picture — live prices, inventory, and Momentum Scores: