Sapphire Cove
Homes for Sale in Naples, FL
All 1,847 homes for sale in Naples, FL · median $425,000 · 406 homes for sale in 34114 · Collier County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Florida Gulf Coast MLS
As of October 2026, Sapphire Cove in Naples, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $975,000, $347 per square foot, a median 70 days on market, sellers accepting 86% of original asking (+39% versus the prior year). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $10,780 ($10,340 with the full homestead exemption).
| Location | Naples, Collier County, FL · ZIP 34114 |
|---|---|
| Homes in the community | 90 (FL DOR 2025 assessment roll) |
| Years built | 2011–2023 (median 2022.0) |
| Typical living area | 3,076 sq ft (median) |
| Sale prices, last 12 months | $975,000 median across 4 closed sales · $347 per sq ft · +39.3% vs the prior 12 months |
| Days on market (closed sales) | 70 median |
| For sale right now | 2 active, 0 pending · median asking $1,170,500 |
| Owner-occupied (homestead) share | 61% |
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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Sapphire Cove key facts,” movewithmomentum.com/neighborhoods/sapphire-cove, data as of September 20, 2026.
Last 30 days in Sapphire Cove: 1 new listing (median asking $869,000). As of September 30, 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.
Sapphire Cove is showing a median price of $975,000 and a median price per square foot of $347, but the sample behind those numbers is thin — only 4 closings in the current window. A jump like the 39.3% year-over-year change reads dramatic on paper, but with that few transactions, one or two higher-end sales can swing the whole figure. Treat it as a signal that recent activity has skewed toward larger or more upgraded homes, not as a stable appreciation trend.
Median days on market sits at just over 70, which points to a market where pricing has to be right from day one — this isn't a community where overpriced listings get bailed out by urgency. A market heat score of 40 backs that up: it's a measured pace, not a bidding-war environment. Buyers have room to negotiate on condition and terms; sellers need a pricing strategy grounded in comparable condition, not just the last closed sale.
Sapphire Cove right now
🟢 Still climbing. The trailing-12-month median ($975K) is up 39.3% from the prior 12 months ($700K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Florida Gulf Coast MLS closed sales, 12-month windows ending September 20. Confidence: Low (4 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 1, 2026 · Live data: Florida Gulf Coast MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Sapphire Cove market snapshot (as of September 20, 2026): the median sale price is about $975K ($347 per sq ft over the trailing 12 months of closed sales), and a median 71 days on market for closed sales. The trailing-12-month median is up 39% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (4 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 6 qualified sales in Sapphire Cove across 2024–2025 (5 in 2024, 1 in 2025), median $729,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Sapphire Cove is a community of 90 homes in Naples, Collier County, built between 2011 and 2023 (median 2022.0), with a median living area of about 3,076 square feet. 61% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Sapphire Cove sits in Naples within Collier County, and current MLS data shows no community amenities identified — pricing here is being driven by the homes themselves rather than a shared amenity package.
Who Sapphire Cove is best for.
Best for
- A buyer prioritizing the home's build and condition over a shared amenity package
- A buyer with flexibility on timeline who can wait through a 70-plus day listing cycle
- A seller confident their home's condition supports pricing above a thin comparable set
Probably not for
- A buyer expecting resort-style or clubhouse amenities as part of the purchase
- A buyer relying on a large recent-sales dataset to validate pricing confidence
- A seller expecting a fast, competitive-offer sale in the current pace of market
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 ($975K) IS the median in the snapshot above, and the move from 2025 ($700K) IS the +39.3% one-year change.
Windows contain 3 to 22 sales each (4 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.
18% of homes for sale in ZIP 34114 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 (2026-10-01).
Sapphire Cove Market Scorecard
Sapphire Cove is currently a balanced market., a median asking price of $1,170,500, and homes go under contract in about 180 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 Sapphire 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.
Homes For Sale Right Now in Sapphire Cove
Live MLS inventory for Sapphire 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 Sapphire Cove 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 Sapphire Cove Right Now (2)
All 2 active and pending Sapphire Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3754 Sapphire Cove Cir · $869,000 · 3 bd / 3 ba · listed Sep 4, 2026 · listed by Premiere Plus Realty Company
- 3721 Sapphire Cove Cir · $1,465,000 · 3 bd / 4 ba · listed Jul 2, 2026 · listed by William Raveis Real Estate
The Sapphire Cove buying strategy.
If we were buying in Sapphire 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 Sapphire Cove.
What the numbers actually say
With only 4 closings feeding the current snapshot, every metric in this dataset should be read as directional rather than definitive. The median price of $975,000 and price per square foot of $347 reflect whatever mix of homes happened to sell recently — condition, size, and finish level can move those numbers meaningfully with so few data points.
The median 70.5 days on market is the more durable signal in a small dataset like this, since it reflects individual listing behavior rather than a blended price outcome. It suggests homes here are not moving on speed; they're moving on fit, and buyers who take their time to evaluate condition and comparable sales are not working against the clock.
The location and the amenities are priced into every listing in Sapphire Cove. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Sapphire Cove buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.5). Basis: Recent Direction +39.3% year-over-year; Owner Commitment 61% owner-occupied; Pricing Power 85.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A market this thin on transaction volume is exactly where local, deal-by-deal knowledge matters more than published averages — we track what actually closed and why, not just the headline median, so you're pricing or offering against real comparables instead of a statistical blend.
Sapphire Cove in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $399/month (about $4,788/yr) · median of 20 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $399 per month ($4,788 a year) — the median AssociationFee across 20 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Sapphire 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 Sapphire Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sapphire 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 Sapphire Cove home worth?
Get a no-obligation home value based on real comparable sales in Sapphire 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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Frequently Asked Questions
What is the median home price in Sapphire Cove?
How long do homes in Sapphire Cove take to sell?
How many homes are in Sapphire Cove?
What share of Sapphire Cove is owner-occupied?
When were the homes in Sapphire Cove built?
Who is the best real estate agent for Sapphire Cove?
How do I find a top Naples real estate agent who knows Sapphire Cove?
Can Momentum Realty connect me with an agent for Sapphire Cove?
Where is Sapphire Cove, and what county is it in?
Should you buy in Sapphire 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: September 30, 2026) |
| Community market stats | Florida Gulf Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34114)) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2020 (62 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 Sapphire Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
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More on Sapphire Cove
- Home values · What homes in Sapphire Cove actually sell for