St Charles
Homes for Sale in Naples, FL
All 1,839 homes for sale in Naples, FL · median $425,000 · 1,649 condos for sale in Naples · 338 homes for sale in 34102 · 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, St Charles in Naples, FL has 1 home for sale. As of September 2026, the MLS records 10 closed sales in St Charles in Naples, FL since 2016, the most recent in June 2025. Across Naples as a whole, 14 homes closed in the last 12 months at a median of $600,000, 74 median days on market, with 2,769 homes for sale today. At that median and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $6,630 ($6,200 with the full homestead exemption).
St Charles sits inside Naples, Collier County, and the current MLS pull does not show a defined amenity package tied to the community. That is not unusual for smaller or older in-town Naples neighborhoods, where the draw is location and lot rather than a clubhouse or gated package, but it also means buyers should verify directly what, if anything, is deeded to the property versus offered through a separate association.
With no amenities identified from listings and no pricing or inventory pattern to report as of this snapshot, the honest read is that St Charles is currently a thin-data market. That is a call to do direct diligence — pull active and recent listings, confirm any HOA or association status, and treat any pricing guidance as preliminary until more transactions are visible.
The 60-Second Overview
St Charles is a Naples community in Collier County where current MLS data does not surface a distinct amenity package, pointing to a location- and lot-driven value proposition rather than a resort-style offering.
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 St Charles is best for.
Best for
- Buyers prioritizing a Naples, Collier County address over a packaged amenity list
- Buyers comfortable doing direct HOA and title diligence before assuming what is or is not included
- Sellers who want a broker to verify comparable data manually rather than rely on a thin MLS feed
Probably not for
- Buyers who want a confirmed clubhouse, pool, or recreational amenity package as a baseline requirement
- Buyers who want to rely solely on listing-sheet amenity summaries without further verification
- Anyone needing a firm current price range or days-on-market figure before engaging — this snapshot does not yet support one
The market around St Charles
St Charles is too small for its own price trend, so here is the market around it.
In ZIP 34102, 399 homes are on the market and 14% are under contract — a slower corner of Naples.
Across Collier County, 4,449 homes are active and 1,017 pending (19% under contract).
In ZIP 34102 (Naples), 1,157 homes closed in the last 12 months at a median of $570K ($327/sq ft), up 3.3% year over year, with a median 69 days on market. Right now 606 active and 131 pending listings — a buyer's market. See the live ZIP 34102 housing market and the Collier County market.
ZIP and county figures describe the wider market, not St Charles specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in St Charles, 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 St Charles
Live MLS inventory for St Charles. 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 St Charles 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 St Charles Right Now (1)
All 1 active and pending St Charles listings with a detail page, newest first, refreshed twice a day from the MLS.
- 545 11th Ave S 104 · $1,699,000 · 3 bd / 2 ba · listed Jul 1, 2026 · listed by RE/MAX Hallmark Realty
The St Charles buying strategy.
If we were buying in St Charles 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 St Charles.
What the listing record does and doesn't tell you
The snapshot for St Charles shows no amenities identified from current MLS listings. That could mean the community has no shared recreational infrastructure, or it could mean the feed simply is not capturing an association's amenity data at this moment. Either way, it is not something to assume — it is something to confirm before writing an offer or setting a listing strategy.
Without pricing, days-on-market, or inventory figures in this snapshot, we are not going to manufacture a market posture. What we can say is that Naples and Collier County carry a wide range of product types and price points, and a community this thin on public data warrants a direct pull of comparable closed and active listings before anyone forms an expectation on value or timeline.
The location and the amenities are priced into every listing in St Charles. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a community's MLS footprint is this light, the value of a broker who will go pull the underlying records — plats, association documents, recent closed sales outside the standard feed — goes up, not down. We do that legwork before we tell a buyer or seller what to expect in St Charles.
St Charles in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $1,136/month (about $13,632/yr) · median of 19 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,136 per month ($13,632 a year) — the median AssociationFee across 19 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, 2026-09.
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 St Charles 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 St Charles sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Charles, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St Charles home worth?
Get a no-obligation home value based on real comparable sales in St Charles, 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 St Charles?
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) |
| Under-contract shares | Florida Gulf Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2016 (10 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 St Charles fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about St Charles
Where is St Charles?
St Charles is a community in Naples, Collier County, Florida, ZIP 34102.
Are there homes for sale in St Charles right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does St Charles have an HOA or CDD?
No HOA is on record for St Charles 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.
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