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Live Market Pulse
15/100
Market Heat
Cooler than normal
2014 → 2026 · 90 at the 2022 peak
0 is St Croix's coldest market since 2014, 100 its hottest. Today: 15. How it's scored

Photo via Florida Gulf Coast MLS

Built fromLive Florida Gulf Coast MLS data13 years of closingsUpdated twice daily

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).

St Croix key facts
LocationNaples, 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 now2 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.

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
down 3.9% vs the prior 12 months
-3.9% ▼
1-yr price change
n = 19 and 17 sales in the two windows
$255/sf
Sold $/sqft · 12 mo
peak $324 in 2023
93.6%
Sale vs ask
Tempo
69days
Median DOM · closed
6 days at the 2021 low
50%
Under contract
Collier: 19% (1,017 of 5,466)
2 · 2
For sale · pending
live counts, refreshed twice daily
19
Sold · last 12 mo
10-yr average: about 23 a year
Track record · 13 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 2026-10-01, 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.

Jon Brooks, founder of Momentum Realty
Jon's Current Read

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 Housing Pulse · Momentum Research · as of September 20, 2026

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.

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

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.

Median sale price · trailing 12 mo
$100K$200K$300K2014201620182020202220242026
Down 3.9% year over year.
Every sale since 2013 · price vs size
$0$100K$200K$300K1k1k1k
306 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$200$3002014201620182020202220242026
Up from $108 in 2013 to a $324 peak in 2023; $255 now.
Median days on market · closed sales
02040602014201620182020202220242026
6 days at the 2021 low; 69 now.
Sale price vs original ask · median
90%95%2014201620182020202220242026
93.6% now.
Homes sold per 12-mo window
020402014201620182020202220242026
3 to 38 a year; 19 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
90 at the 2022 peak, 15 in the troughs, 15 now. Same score as the hero card, full history.

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.

$3,363/mo
Collier County typical true cost to own
$179/mo
Collier County typical home insurance
Check CDD
Confirm before you offer

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.

How much local inventory is already under contract

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

Balanced

St Croix is currently a balanced market., a median asking price of $239,444, and homes go under contract in about 15 days.

$239,444
Median list
$245,000
Median sold
$292
List $/sqft
15
Days on mkt
3/0/0
Active/Pend/Sold

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.

Listing locations from Florida Gulf Coast MLS. Map data © OpenStreetMap, tiles © CARTO.

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

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

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.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the St. Croix Condos for Sale in Naples, FL homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in St. Croix Condos for Sale in Naples, FL.
In short
  • 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.

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. 7 on record.

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 September 20, 2026 (19 closed sales, Florida Gulf Coast MLS).
How long do homes in St Croix take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 69 days on market (19 sales, Florida Gulf Coast MLS).
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).
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: October 1, 2026)
Community market statsFlorida Gulf Coast MLS closed sales, 12-month windows ending September 20, 2026
Under-contract sharesFlorida Gulf Coast MLS records, as of 2026-09-20
Historical depthClosed-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 →

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More on St. Croix Condos for Sale in Naples

Thinking of selling in St Croix? 19 recorded closings; median 69 days on market (window ending 2026-09-20). See the Collier County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

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

Villas At Aston Gardens0.1 mi away · 1 for saleQuail Woods Estates0.2 mi away · 63 homes, built 1988–24, 3 for saleQuail Woods Courtyards0.2 mi away · median $350K, 3 sales/12 moRegent Park (Collier)0.2 mi away · median $530K, 13 sales/12 moPalmetto Ridge (Collier)0.3 mi awayBermuda Palms0.3 mi away · median $300K, 3 sales/12 moDiamond Lake (Collier)0.3 mi away · median $370K, 5 sales/12 moLakeview At Carlton Lakes0.4 mi away · median $315K, 9 sales/12 mo

Browse all neighborhood guides →

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