Rum Bay in Naples

Rum Bay
Condos for Sale in Naples, FL

All 2,052 homes for sale in Naples, FL · median $429,000 · 1,840 condos for sale in Naples · 216 homes for sale in 34109 · Collier County homes for sale

Community in Naples · Collier County · ZIP 34109
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Photo via Florida Gulf Coast MLS

Built fromLive Florida Gulf Coast MLS data12 years of closingsUpdated twice daily

As of October 2026, Rum Bay in Naples, FL has 1 home for sale. Homes listed or recently sold were built 2002–2002; 3 of 3 report an HOA (median $443/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft).

Last 30 days in Rum Bay: 1 new listing (median asking $325,000), 1 under contract right now. As of October 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.

Live · Rum Bay Housing Pulse Florida Gulf Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
50%
Under contract
Collier: 19% (1,017 of 5,466)
1 · 1
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 4 a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 29, 2026

Rum Bay in Naples currently shows a thin MLS footprint. Our snapshot covers a trailing two-month closing window, and no community amenities are identified in the active listing data, which tells us more about reporting visibility than about the property itself. When a market segment this quiet shows up in the feed, pricing tends to be set case by case, driven by lot position, updates, and condition rather than a clear community-wide benchmark.

For a buyer or seller, this posture means doing homework outside the MLS averages. We would pull recent comparable closings directly, verify any amenity or association details with the county and any governing documents, and treat this as a property-by-property evaluation rather than a market with an established price rhythm.

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

Rum Bay sits in Naples within Collier County, an area where current MLS activity is limited enough that broad market patterns are not yet established from the available data.

Florida Gulf Coast MLS sales records identify 6 homes in Rum Bay that have changed hands, built between 2002 and 2002 (median 2002), with a median living area of about 1,248 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. 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.

Best for

  • A buyer targeting a specific property in Naples who plans to verify value through direct comps rather than community-wide stats.
  • A buyer or seller comfortable doing extra diligence on association documents, permits, and recent nearby closings.
  • Someone prioritizing location within Collier County over a defined amenity package.

Probably not for

  • A buyer who wants a well-documented price history or established days-on-market pattern before committing.
  • Someone specifically shopping for a community with a defined amenity roster confirmed in current listings.
  • A buyer or seller who prefers to rely primarily on aggregate market data rather than individual property research.

The market around Rum Bay

Rum Bay is too small for its own price trend, so here is the market around it.

In ZIP 34109, 244 homes are on the market and 19% are under contract — a steady corner of Naples.

Across Collier County, 4,449 homes are active and 1,017 pending (19% under contract).

In ZIP 34109 (Naples), 605 homes closed in the last 12 months at a median of $550K ($343/sq ft), up 1.7% year over year, with a median 75 days on market. Right now 198 active and 51 pending listings put supply at about 8.6 months — a buyer's market. See the live ZIP 34109 housing market and the Collier County market.

ZIP and county figures describe the wider market, not Rum Bay specifically. Momentum Research analysis of MLS records.

Homes For Sale Right Now in Rum Bay

Live MLS inventory for Rum Bay. 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 Rum Bay listings as of 2026-10-19, 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.

Listing locations from Florida Gulf Coast MLS. Map data © OpenStreetMap contributors.

If we were buying in Rum Bay today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Rum Bay.

Best Buy
Buyers who want a specific property in Naples and are comfortable evaluating it largely on its own terms.
Biggest Risk
Thin data makes it harder to benchmark pricing or timeline expectations against a broader community pattern.
Sweet Spot
Works best for a buyer or seller focused on one property's condition and comps rather than a community-wide trend.
Avoid If
Avoid relying on this snapshot alone if you need established market data to guide an offer or listing price.

A Market Still Forming in the Data

With no amenities identified from current MLS listings and only a short closings window to reference, Rum Bay does not yet have the kind of layered market history that lets us describe typical days-on-market or price behavior with confidence. That is not necessarily a reflection on the community; it often simply means fewer transactions have moved through the MLS recently for this name.

Buyers and sellers here should expect to lean more heavily on direct comparable research, title and county records, and any HOA or association documentation than on aggregate statistics. We would treat every listing in Rum Bay as its own case until more closing data accumulates.

“

The location and the amenities are priced into every listing in Rum Bay. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a community where the MLS trail is short, the value we add is in the legwork the data will not do for you: pulling actual comparable closings, checking association and permitting records, and walking a property on its own merits rather than by market averages that do not yet exist.

Rum Bay in 15 seconds.

Best forBuyers who want a specific property in Naples and are comfortable evaluating it largely on its own terms.
Biggest advantageLimited recent MLS activity means less competitive noise and more room to negotiate on the merits of the individual home.
Biggest riskThin data makes it harder to benchmark pricing or timeline expectations against a broader community pattern.
Sweet spotWorks best for a buyer or seller focused on one property's condition and comps rather than a community-wide trend.
Avoid ifAvoid relying on this snapshot alone if you need established market data to guide an offer or listing price.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Rum Bay sales matched to your home.

What is your Rum Bay home worth?

Get a no-obligation home value based on real comparable sales in Rum Bay, 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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Real comps, not an automated estimate.
A buyer targeting a specific property in Naples who plans to verify value through direct comps rather than community-wide stats.Excellent fit
A buyer or seller comfortable doing extra diligence on association documents, permits, and recent nearby closings.Excellent fit
Someone prioritizing location within Collier County over a defined amenity package.Excellent fit
A buyer who wants a well-documented price history or established days-on-market pattern before committing.Probably not
Someone specifically shopping for a community with a defined amenity roster confirmed in current listings.Probably not
A buyer or seller who prefers to rely primarily on aggregate market data rather than individual property research.Probably not

Data sources & freshness

Live listingsFlorida Gulf Coast MLS, refreshed twice daily (last: October 19, 2026)
Under-contract sharesFlorida Gulf Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2014 (55 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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Email me new listings in Rum Bay Condos for Sale

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Rum Bay Condos for Sale

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Rum Bay Condos for Sale will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

What it really costs to own in Rum Bay Condos for Sale

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $1,997/yr across 6 listings here (MLS tax records, 2026-10-20).
HOA duesMedian $443/month across 3 MLS listings (most billed quarterly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe 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 ageMedian build year 2002 across 6 listings. An original roof here would be about 24 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.

Housing distress & ownership in Rum Bay, Naples

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 22 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-10-18)

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 Rum Bay Right Now (3)

All 3 active and pending Rum Bay listings with a detail page, newest first, refreshed twice a day from the MLS.

Nearby Communities

Explore more neighborhoods near Rum Bay with Momentum Realty’s local guides.

Turtle Bay (Collier)0.1 mi away · median $462K, 6 sales/12 moMango Bay0.2 mi awayWalden Shores0.2 mi away · median $425K, 9 sales/12 moCoconut Bay0.3 mi away · median $450K, 7 sales/12 moWellington At Lone Oak0.3 mi away · 1 for saleTreasure Bay (Collier)0.3 mi away · median $310K, 9 sales/12 moLakeside Gardens (Collier)0.4 mi away · median $320K, 11 sales/12 moBridgewater Bay0.4 mi away · 108 homes, built 2001–06, 5 for sale

Browse all neighborhood guides →

Thinking of selling in Rum Bay? 2 recorded closings (window ending 2026-09-20). See the Collier County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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