Oyster Harbor
Homes for Sale in Naples, FL

Oyster Harbor market snapshot (as of September 20, 2026): the median sale price is about $2.08M ($655 per sq ft over the trailing 12 months of closed sales), and a median 49 days on market for closed sales. The trailing-12-month median is down 6% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (12 closings in the current window).

In ZIP 34114 (Naples), 1,440 homes closed in the last 12 months at a median of $660K ($314/sq ft), up 4.8% year over year, with a median 67 days on market. Right now 561 active and 136 pending listings put supply at about 12.0 months — a buyer's market. See the live ZIP 34114 housing market and the Collier County market.

County records show 5 qualified sales in Oyster Harbor across 2024–2025 (2 in 2024, 3 in 2025), median $2.85M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Oyster Harbor: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 12% sit outside the FEMA Special Flood Hazard Area (Zone X); 88% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Naples.

Oyster Harbor is a community of 59 homes in Naples, Collier County, built between 2020 and 2023 (median 2023), with a median living area of about 3,788 square feet. 48% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Oyster Harbor is a Naples community of newer-built homes, with construction concentrated between 2015 and 2024, offering larger floor plans at a price point well above the broader Collier County median.

The story in Oyster Harbor is scale: a median living area of 3,650 square feet puts most homes here into larger single-family territory, and the 2015–2024 build window means buyers aren't inheriting decades of deferred maintenance. That combination — size plus newer systems and finishes — is the primary driver behind a median price of $2,080,000 and a per-square-foot figure of $626.44. Condition and square footage, not any shared amenity package, are doing the work on value here; per the current MLS snapshot, no defined community amenities are identified.

The trend lines matter as much as the price level. A 20% year-over-year decline alongside a median 52-day marketing period signals a market that has cooled from wherever it was pricing a year ago. A market heat score of 29 confirms that read — this is not a market rewarding aggressive list prices. With a 58.4% homestead share, the majority of owners here are in primary residences, but a meaningful minority are not, which is worth factoring into how a given listing was priced and maintained. At only 16 closings in the current window, any one sale can swing the averages, so treat comps individually rather than leaning on the aggregate.

With just 16 closings in the tracked window, Oyster Harbor doesn't generate a deep, self-evident comp set — pricing a listing or an offer correctly means understanding which of those recent sales are genuinely comparable in size, build year, and condition, not just averaging the community. We work that detail before a number goes on paper.