St. Croix
Condos for Sale in Naples, FL
All 1,847 homes for sale in Naples, FL · median $425,000 · 1,657 condos for sale in Naples · 211 homes for sale in 34109 · 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, St Croix in Naples, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 19 recorded sales closed at a median of $245,000, $255 per square foot, a median 69 days on market, sellers accepting 94% of original asking (-4% versus the prior year). Homes listed or recently sold were built 1999–1999; none of the 3 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).
| Location | Naples, Collier County, FL · ZIP 34109 |
|---|---|
| Sale prices, last 12 months | $245,000 median across 19 closed sales · $255 per sq ft · -3.9% vs the prior 12 months |
| Days on market (closed sales) | 69 median |
| For sale right now | 2 active, 2 pending · median asking $239,444 |
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, “St Croix key facts,” movewithmomentum.com/neighborhoods/st-croix, data as of September 20, 2026.
Last 30 days in St. Croix: 2 new listings (median asking $242,388). As of October 2, 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.
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 2026-10-01, 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 Croix Right Now (3)
All 3 active and pending St Croix listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4690 Saint Croix Ln 411 · $274,888 · 2 bd / 2 ba · listed Sep 26, 2026 · listed by REMAX Affinity Mercato
- 4645 Saint Croix Ln 1324 · $209,888 · 1 bd / 1 ba · listed Aug 26, 2026 · listed by REMAX Affinity Mercato
- 4635 Saint Croix Ln 1218 · $269,000 · 2 bd / 2 ba · listed Jul 2, 2026 · listed by John R Wood Properties

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.
St Croix right now
🟡 Off the recent peak. The trailing-12-month median ($245K) is down 3.9% from the prior 12 months ($255K). With about 23 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: High (19 and 17 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 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 September 20, 2026): the median sale price is about $245K ($255 per sq ft over the trailing 12 months of closed sales), and a median 69 days on market for closed sales. The trailing-12-month median is down 4% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (19 closings in the current window).
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.
Florida Gulf Coast MLS sales records identify 28 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.
The setting & the homes.
Aerial and on-site photos of St Croix. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Florida Gulf Coast MLS listings in St Croix; content deemed reliable but not guaranteed.
Who St Croix is best for.
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
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 ($245K) IS the median in the snapshot above, and the move from 2025 ($255K) IS the -3.9% one-year change.
Windows contain 3 to 38 sales each (19 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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Collier County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Collier County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
17% of homes for sale in ZIP 34109 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 (2026-10-02).
St Croix Market Scorecard
St Croix is currently a balanced market., a median asking price of $239,444, and homes go under contract in about 15 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.
St Croix on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Florida Gulf Coast MLS. Map data © OpenStreetMap, tiles © CARTO.
The St Croix buying strategy.
If we were buying in St Croix 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 Croix.
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.
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.
HOA, CDD & Fees
- HOA dues reported around $470/month (about $5,640/yr) · median of 30 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $470 per month ($5,640 a year) — the median AssociationFee across 30 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 St Croix 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 Croix sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Croix, 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 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 →
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. 7 on record.
- 4610 Saint Croix Ln 1031 · off market
- 4625 Saint Croix Ln 1126 · off market
- 4625 Saint Croix Ln 1136 · off market
- 4650 Saint Croix Ln 721 · off market
- 4670 Saint Croix Ln 627 · off market
- 4720 Saint Croix Ln 118 · off market
- 4720 Saint Croix Ln 124 · off market
Frequently Asked Questions
What is the median home price in St Croix?
How long do homes in St Croix take to sell?
Who is the best real estate agent for St Croix?
How do I find a top Naples real estate agent who knows St Croix?
Can Momentum Realty connect me with an agent for St Croix?
Where is St. Croix, and what county is it in?
Should you buy in St Croix?
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 1, 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 (306 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 St Croix fits the bigger picture — live prices, inventory, and Momentum Scores:
More on St. Croix Condos for Sale in Naples
- Home values · What homes in St. Croix Condos for Sale in Naples actually sell for
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