Naples Terrace
Homes for Sale in Naples, FL
All 1,847 homes for sale in Naples, FL · median $430,000 · 265 homes for sale in 34103 · 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, Naples Terrace in Naples, FL has 1 home for sale. As of September 2026, the MLS records 26 closed sales in Naples Terrace in Naples, FL since 2013, the most recent in February 2025. Across Naples as a whole, 12 homes closed in the last 12 months at a median of $570,000, 72 median days on market, with 3,105 homes for sale today. At that median and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $6,300 ($5,860 with the full homestead exemption).

Naples Terrace is an older, established pocket of Naples where the housing stock itself tells the story more than any market indicator. With a median year built of 1970 across a span running from 1953 to 2024, this is a neighborhood built up over decades rather than in a single development cycle, and pricing here tracks condition and updates far more than location alone. Buyers should expect a mix of largely original homes sitting near recently built or renovated ones on the same streets.
There is no recent closings data to draw a pace read from, and there is no community amenity package on file, so this is not a market defined by HOA perks or a quick-turn resale rhythm. It reads instead as a fundamentals market: square footage, lot condition, and how much work a given home needs are what will move a negotiation, not comps on a clubhouse or a gate.
The 60-Second Overview
Naples Terrace is a 140-home neighborhood in Naples built out gradually since the early 1950s, with a median living area of just over 2,000 square feet and no identified community amenities — a straightforward, non-HOA slice of the local housing stock rather than a planned development.
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 Naples Terrace is best for.
Best for
- Buyers seeking a larger floor plan without amenity-fee overhead, and willing to budget for condition-driven variance.
- Renovation-minded buyers comfortable evaluating mid-century systems and structure on a home-by-home basis.
- Investors or long-term holders comfortable in a neighborhood with a meaningful non-homesteaded share already in place.
Probably not for
- Buyers who want a single, consistent construction era across an entire neighborhood.
- Buyers prioritizing a clubhouse, pool, or other shared amenity package as part of the purchase.
- Buyers who want a fast, formulaic resale comp set rather than home-specific negotiation.
The market around Naples Terrace
Naples Terrace is too small for its own price trend, so here is the market around it.
In ZIP 34103, 315 homes are on the market and 17% are under contract — a slower corner of Naples.
Across Collier County, 4,462 homes are active and 1,099 pending (20% under contract).
In ZIP 34103 (Naples), 487 homes closed in the last 12 months at a median of $1.47M ($806/sq ft), down 0.2% year over year, with a median 94 days on market. Right now 219 active and 41 pending listings — a soft market. See the live ZIP 34103 housing market and the Collier County market.
ZIP and county figures describe the wider market, not Naples Terrace specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Naples 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 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.
16% of homes for sale in ZIP 34103 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 (2026-09-17).
Naples Terrace Market Scorecard
Naples Terrace is currently a thin data market. Limited supply, a median asking price of $1,700,000, and homes go under contract in about 221 days.
Typical home value in the 34103 ZIP is $1,104,768, about 92.0% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county 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.
Homes For Sale Right Now in Naples Terrace
Live MLS inventory for Naples Terrace. 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 Naples Terrace listings as of 2026-08-28, 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 Naples Terrace buying strategy.
If we were buying in Naples 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 Naples Terrace.
A Neighborhood Built in Layers
The year-built range in Naples Terrace — 1953 to 2024 — is wide enough to span three generations of construction standards, and the median of 1970 confirms the core of the neighborhood is mid-century. That mix means due diligence has to be individualized: a 2024 build and a 1950s original sitting a few doors apart will differ enormously in systems, roofing, and electrical, even if they carry a similar footprint. At a median 2,073 square feet of living space, homes here run larger than a typical starter footprint, which is worth factoring into any renovation budget.
With just over half of homes (55.8%) carrying a homestead exemption, Naples Terrace skews toward owner-occupancy but still has a meaningful share of non-homesteaded property — investment holdings, second homes, or recent purchases that haven't yet filed. No community amenities are listed on current MLS data, so this is a neighborhood to evaluate on the home and lot alone, not on shared recreational infrastructure.
The location and the amenities are priced into every listing in Naples Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood with this much construction-era variance, the difference between a fair offer and an overpay usually comes down to reading a specific home's age and updates correctly, not the neighborhood's averages. We walk each property against its actual year built and condition rather than leaning on a blended median, and we do the same work on the listing side — pricing to the home in front of us, not the neighborhood as a whole.
Naples 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 Naples 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 Naples Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Naples 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 Naples Terrace home worth?
Get a no-obligation home value based on real comparable sales in Naples 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 Naples 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: August 28, 2026) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2013 (26 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Naples Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Naples Terrace
Where is Naples Terrace?
Naples Terrace is a community in Naples, Collier County, Florida, ZIP 34103.
Are there homes for sale in Naples Terrace right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Naples Terrace have an HOA or CDD?
No HOA is on record for Naples 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.
More Naples & Naples & Collier County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Naples & Collier County or the full Neighborhood Finder.
Nearby Communities
Explore more neighborhoods near Naples Terrace with Momentum Realty’s local guides.
