Saratoga Colony
Homes for Sale in Naples, FL
All 2,052 homes for sale in Naples, FL · median $429,000 · 1,840 condos for sale in Naples · 222 homes for sale in 34104 · 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, Saratoga Colony in Naples, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 8 recorded sales closed at a median of $322,500, $244 per square foot, a median 113 days on market, sellers accepting 90% of original asking (-17% versus the prior year). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $3,560 ($3,130 with the full homestead exemption).
Last 30 days in Saratoga Colony: 1 new listing (median asking $275,000). 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.
Saratoga Colony's numbers point to a market that has cooled and is taking its time to reset. A median of $322,500 against a median price per square foot of $244.32 puts this community solidly in the mid-market range for the area, but the 16.8% year-over-year decline is the number that matters most here. That kind of pullback usually means recent comparable sales are running well behind where sellers priced a year or two ago, and buyers should expect that gap to show up in negotiating room rather than in the list price itself.
A median 113 days on market confirms the posture: this is not a community where homes move quickly, and with only 8 closings in the current window, any single sale can swing the averages. Sellers should price to the current data, not to last year's, and buyers who are patient and willing to negotiate on terms and timeline have real leverage right now.
Figures in this note are as of July 29, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Saratoga Colony right now
🔴 Off the recent peak. The trailing-12-month median ($322K) is down 17.3% from the prior 12 months ($390K). With about 5 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 (8 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 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
Saratoga Colony market snapshot (as of September 20, 2026): the median sale price is about $322K ($244 per sq ft over the trailing 12 months of closed sales), and a median 113 days on market for closed sales. The trailing-12-month median is down 17% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (8 closings in the current window).
In ZIP 34104 (Naples), 1,347 homes closed in the last 12 months at a median of $570K ($327/sq ft), down 2.4% year over year, with a median 59 days on market. Right now 580 active and 154 pending listings — a buyer's market. See the live ZIP 34104 housing market and the Collier County market.
Saratoga Colony is a Naples community in Collier County currently showing a smaller, slower-moving resale market, with pricing and pace both reflecting a meaningful shift from the prior year.
Who Saratoga Colony is best for.
Best for
- Buyers who want negotiating room and are not in a hurry to close
- Buyers focused on the home itself rather than a community amenity package
- Buyers or investors comfortable evaluating a smaller resale market on a case-by-case basis
Probably not for
- Buyers who want a fast, competitive-offer transaction
- Buyers relying on established community amenities as part of the purchase decision
- Sellers expecting last year's pricing to hold in the current 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 ($322K) IS the median in the snapshot above, and the move from 2025 ($390K) IS the -17.3% one-year change.
Windows contain 1 to 8 sales each (8 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.
15% of homes for sale in ZIP 34104 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 (2026-10-20).
Saratoga Colony Market Scorecard
Saratoga Colony is currently a balanced market., a median asking price of $399,000, and homes go under contract in about 256 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.
Homes For Sale Right Now in Saratoga Colony
Live MLS inventory for Saratoga Colony. 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 Saratoga Colony listings as of 2026-10-20, 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 Saratoga Colony buying strategy.
If we were buying in Saratoga Colony 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 Saratoga Colony.
A Market Finding Its Level
With only 8 closings feeding the current snapshot, Saratoga Colony's statistics should be read as directional rather than precise. The median price of $322,500 and price per square foot of $244.32 give a reasonable sense of where recent deals have landed, but the small sample means an individual home's condition, size, or updates can move the needle more than in a higher-volume community.
The market heat score of 12 and 113-day median days on market both describe a buyer's market in practice: listings are sitting, and the year-over-year drop of 16.8% suggests sellers who held out for prior pricing have had to adjust. No community amenities are identified from current MLS listings, so buyers evaluating this community should confirm directly what, if anything, is included and weigh the home and lot on their own merits rather than assuming shared amenities are part of the value equation.
The location and the amenities are priced into every listing in Saratoga Colony. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume, slower-moving market like this one, pricing strategy and negotiation matter more than usual, and a small closings sample can hide as much as it reveals. We pull the actual comparable sales behind these numbers, flag when a listing's condition or history explains a price outlier, and help buyers and sellers set expectations that match what is really happening in Saratoga Colony right now, not what the headline stats suggest at a glance.
Saratoga Colony in 15 seconds.
Tools for a Saratoga Colony 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 Saratoga Colony sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Saratoga Colony, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Saratoga Colony home worth?
Get a no-obligation home value based on real comparable sales in Saratoga Colony, 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 →
Recently off market in Saratoga Colony
Homes in Saratoga Colony 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. 1 on record.
- 600 Saratoga Cir D--104 · off market
| Location | Naples, Collier County, FL · ZIP 34104 |
|---|---|
| Sale prices, last 12 months | $322,500 median across 8 closed sales · $244 per sq ft · -17.3% vs the prior 12 months |
| Days on market (closed sales) | 113 median |
| For sale right now | 1 active, 1 pending · median asking $399,000 |
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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Saratoga Colony key facts,” movewithmomentum.com/neighborhoods/saratoga-colony, data as of September 20, 2026.
Housing distress & ownership in Saratoga Colony, 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.
Just listed in Saratoga Colony
The newest homes for sale in Saratoga Colony right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 575 Saratoga Cir 204 $275,000 · 2 bd · 2 ba · 1,320 sq ft · 4 days on market Courtesy of Blue Heron Realty of Naples
- 725 Saratoga Cir A101 $399,000 · 3 bd · 2 ba · 1,320 sq ft · 256 days on market Courtesy of Realty One Group MVP
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Saratoga Colony Right Now (2)
All 2 active and pending Saratoga Colony listings with a detail page, newest first, refreshed twice a day from the MLS.
- 575 Saratoga Cir 204 · $275,000 · 2 bd / 2 ba · listed Oct 14, 2026 · listed by Blue Heron Realty of Naples
- 725 Saratoga Cir A101 · $399,000 · 3 bd / 2 ba · listed Jul 22, 2026 · listed by Realty One Group MVP
More Naples home searches
- All homes for sale in Naples, FL
- Homes for sale in Collier County, FL
- Gated communities in Naples
- Homes under $300K in Naples
- Homes from $300K to $500K in Naples
- 4-bedroom homes for sale in Naples
- Naples home values: what is my house worth?
- ZIP 34104 housing scorecard
- 10 coming-soon communities in Collier County
Naples guides & data
- Market data
- Best neighborhoods (ranked by data)
- Flood zones
- Home insurance cost
- New construction
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Naples? Join Momentum in Naples: 100% commission, one $12K cap.
What it really costs to own in Saratoga Colony
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 $2,064/yr across 4 listings here (MLS tax records, 2026-10-20). |
|---|---|
| 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 1994 across 4 listings. An original roof here would be about 32 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 Saratoga Colony
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 Saratoga Colony
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Saratoga Colony will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Saratoga Colony?
How long do homes in Saratoga Colony take to sell?
Who is the best real estate agent for Saratoga Colony?
How do I find a top Naples real estate agent who knows Saratoga Colony?
Can Momentum Realty connect me with an agent for Saratoga Colony?
Where is Saratoga Colony, and what county is it in?
Should you buy in Saratoga Colony?
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: October 20, 2026) |
| Community market stats | Florida Gulf Coast MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2013 (66 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 Saratoga Colony fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Saratoga Colony with Momentum Realty’s local guides.
More on Saratoga Colony
- Home values · What homes in Saratoga Colony actually sell for