St Croix in Naples
Free · No obligation
Talk to a St Croix Expert

True comps, carrying-cost math, and listings before the portals.

Photo via Florida Gulf Coast MLS

Built fromLive Florida Gulf Coast MLS dataUpdated twice daily

As of November 2026, St Croix in Naples, FL has 9 homes for sale and 1 pending, asking from $209,888 to $324,900 (median $264,900). Over the 12 months ending 2026-11-11, 7 recorded sales closed at a median of $245,000, $234 per square foot, a median 90 days on market, sellers accepting 93% of original asking. Homes listed or recently sold were built 1999–1999; 1 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $2,710 ($2,270 with the full homestead exemption).

Last 30 days in St. Croix: 7 new listings (median asking $264,900), 1 under contract right now. As of November 11, 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 · St Croix Housing Pulse Florida Gulf Coast MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$245K
Median sold · 12 mo
$234/sf
Sold $/sqft · 12 mo
peak $234 in 2026
92.6%
Sale vs ask
Tempo
15.4mo
Supply
3 to 6 months is the balanced band
90days
Median DOM · closed
90 days at the 2026 low
10%
Under contract
Collier: 15% (932 of 6,115)
9 · 1
For sale · pending
live counts, refreshed twice daily
7
Sold · last 12 mo
10-yr average: about 7 a year
Track record · 0 years of records
1,020sqft
Median sold home size
12-mo windows, closed sales

Homes For Sale Right Now in St Croix

Live MLS inventory for St Croix. 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 Croix listings as of 2026-11-12, 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.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 29, 2026

St Croix is pricing at a median of $245,000, with a median of $246.62 per square foot — a level that puts it well below the price points more commonly associated with Naples proper. That combination of entry-level median price and a 57-day median days on market tells you this is a community where condition and pricing discipline decide how fast a listing moves, not scarcity or bidding pressure.

The 17 closings in the current window is a thin sample, and the market heat score of 18 confirms it: this is a slow-moving, buyer-leaning environment right now. Prices are down 8.8% year over year, so sellers here need to price to the current data rather than to last year's comps, and buyers have room to negotiate on terms and timeline.

Figures in this note are as of July 29, 2026. The live market numbers elsewhere on this page update nightly and are newer.

St Croix Housing Pulse · Momentum Research · as of November 11, 2026

St Croix right now

🟢 Buyer-leaning market. 15.4 months of supply and 10% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Florida Gulf Coast MLS records, as of November 11, 2026. Confidence: High (10 active and pending listings, 7 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated November 12, 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

St Croix market snapshot (as of November 11, 2026): the median sale price is about $245K ($234 per sq ft over the trailing 12 months of closed sales), a median 90 days on market for closed sales, and 15.4 months of supply, a buyer-leaning market.

In ZIP 34109 (Naples), 114 homes closed in the last 12 months at a median of $591K ($335/sq ft), with a median 85 days on market. Right now 89 active and 21 pending listings put supply at about 9.4 months — a soft market. See the live ZIP 34109 housing market and the Collier County market.

Florida Gulf Coast MLS sales records identify 38 homes in St Croix that have changed hands since 2013, built between 1988 and 2005 (median 1999), with a median living area of about 942 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.

St Croix in Naples is trading at a median price of $245,000 with a median of 57 days on market, positioning it as one of the more accessible price points in the Collier County market rather than a high-turnover or amenity-driven community.

Best for

  • Buyers prioritizing a lower price point in the Naples market over community amenities
  • Buyers with flexibility on timeline who want negotiating leverage in a slower market
  • Buyers focused on the value of an individual home rather than a shared amenity package

Probably not for

  • Buyers expecting resort-style or shared community amenities as part of the purchase
  • Sellers hoping to price against last year's stronger comps rather than current data
  • Buyers expecting a fast, high-competition sale process in the near term

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

If we were buying in St Croix 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

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

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 St Croix.

Best Buy
Buyers seeking a lower entry price point in the Naples market without an amenity package built into the cost.
Biggest Risk
A thin sample of 17 closings means pricing data can shift quickly with the next few sales.
Sweet Spot
Buyers comfortable evaluating a home on its own condition and price, without relying on shared community amenities.
Avoid If
You are counting on year-over-year appreciation or a fast resale timeline in the near term.

A value-priced corner of Naples

The numbers describe a community in a clear pricing correction: an 8.8% year-over-year decline paired with a 57-day median days on market. That is not a market moving fast in either direction — it is one where listings need to be priced correctly from day one to attract the limited buyer pool currently active here. With only 17 closings in the window, comparable sales data should be treated as directional rather than definitive, and any pricing strategy needs to be revisited regularly against fresh closings.

No community amenities are identified from current MLS listings, so buyers evaluating St Croix should treat the value proposition as being about the home and the price point itself rather than a shared amenity package. That makes individual property condition, layout, and location within the community the primary drivers of value here — due diligence on the specific unit matters more than it would in an amenity-rich community where a shared package smooths out differences between listings.

“

The location and the amenities are priced into every listing in St Croix. 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 thin-data market like St Croix — 17 closings, a cooling price trend, and no listed amenities to lean on — pricing and negotiating strategy have to be built from the actual current numbers, not assumptions carried over from a stronger year. We track the closings as they land and price to what the market is doing now, for buyers looking to negotiate and sellers who need a number that will actually clear in 57 days or less.

St Croix in 15 seconds.

Best forBuyers seeking a lower entry price point in the Naples market without an amenity package built into the cost.
Biggest advantageThe current price correction and slower days-on-market give buyers real room to negotiate.
Biggest riskA thin sample of 17 closings means pricing data can shift quickly with the next few sales.
Sweet spotBuyers comfortable evaluating a home on its own condition and price, without relying on shared community amenities.
Avoid ifYou are counting on year-over-year appreciation or a fast resale timeline in the near term.
The takeaway

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

What is your St Croix home worth?

Get a no-obligation home value based on real comparable sales in St Croix, 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 →

Real comps, not an automated estimate.

Recently off market in St Croix

Homes in St Croix 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. 8 on record.

St. Croix key facts
LocationNaples, Collier County, FL · ZIP 34109
Home types (current listings and sales)condos 100%
Sale prices, last 12 months$245,000 median across 7 closed sales · $234 per sq ft
Days on market (closed sales)90 median
For sale right now9 active, 1 pending · median asking $264,900 · 15.4 months of supply

Data as of November 11, 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, “St. Croix key facts,” movewithmomentum.com/neighborhoods/st-croix, data as of November 11, 2026.

Housing distress & ownership in St Croix, 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 23 listings
Distress share trend — 0.0% now (2026-08-10 → 2026-11-11)

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 St Croix Right Now (10)

All 10 active and pending St Croix listings with a detail page, newest first, refreshed twice a day from the MLS.

How much local inventory is already under contract

10% of homes for sale in St Croix 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 (2026-11-12).

What it really costs to own in St. Croix

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 $2,073/yr across 20 listings here (MLS tax records, 2026-11-12).
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 1999 across 20 listings. An original roof here would be about 27 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 St. Croix

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 St. Croix Condos for Sale

Have a question about the homes, fees, rules or commute here? A Momentum agent who works St. Croix 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.

Frequently Asked Questions

What is the median home price in St Croix?
The median sale price in St Croix was $245K over the 12 months ending November 11, 2026 (7 closed sales, Florida Gulf Coast MLS).
How long do homes in St Croix take to sell?
Homes that closed in the 12 months ending November 11, 2026 took a median 90 days on market (7 sales, Florida Gulf Coast MLS).
Is St Croix a buyer's or seller's market right now?
As of November 11, 2026, St Croix leans toward buyers: 15.4 months of supply at the current sales pace (Florida Gulf Coast MLS live counts).
Who is the best real estate agent for St Croix?
The best agent for St Croix is one who actively works Naples and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for St Croix.
How do I find a top Naples real estate agent who knows St Croix?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows St Croix and the wider Naples area.
Can Momentum Realty connect me with an agent for St Croix?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your St Croix purchase or sale - no call center and no pressure.
Where is St. Croix, and what county is it in?
St. Croix is in Naples, Collier County, FL, ZIP 34109. The community's center is about 5 miles north of the center of Naples (straight-line).
Is St. Croix a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about St. Croix: the median sale price over the last 12 months was $245K (7 sales), 58% below the Naples median of $577K; homes took a median 90 days to go under contract; supply is 15.4 months at the current sales pace, which favors buyers. The full numbers, price history and the flood and school sections are above.
Buyers prioritizing a lower price point in the Naples market over community amenitiesExcellent fit
Buyers with flexibility on timeline who want negotiating leverage in a slower marketExcellent fit
Buyers focused on the value of an individual home rather than a shared amenity packageExcellent fit
Buyers expecting resort-style or shared community amenities as part of the purchaseProbably not
Sellers hoping to price against last year's stronger comps rather than current dataProbably not
Buyers expecting a fast, high-competition sale process in the near termProbably not

Data sources & freshness

Live listingsFlorida Gulf Coast MLS, refreshed twice daily (last: November 12, 2026)
Community market statsFlorida Gulf Coast MLS closed sales, 12-month windows ending November 11, 2026
Under-contract sharesFlorida Gulf Coast MLS records, as of 2026-11-11
Historical depthClosed-sale records back to 2026 (7 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. A Momentum agent can 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.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →

Nearby Communities

Explore more neighborhoods near St. Croix with Momentum Realty’s local guides.

Villas At Aston Gardens0.1 mi awayQuail Woods Courtyards0.1 mi away · 5 for saleQuail Woods Estates0.2 mi away · 3 for saleBermuda Palms0.3 mi away · 1 for saleRegent Park (Collier)0.3 mi away · median $280K, 5 sales/12 moPalmetto Ridge (Collier)0.3 mi awayDiamond Lake (Collier)0.4 mi away · 2 for saleLakeview At Carlton Lakes0.4 mi away · 1 for sale

Browse all neighborhood guides →

More on St. Croix Condos for Sale in Naples

Talk to a Local St Croix Expert
Call Get Listings