St Croix
Homes for Sale in Naples, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
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 8.8% from the prior 12 months ($269K). 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 fgc closed sales, 12-month windows ending July 29. Confidence: High (17 and 16 sales in the two windows).
What's unique here: the median sale price is about 60% below the typical Collier County sale ($245K vs $619K, trailing 12 months, fgc records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 29, 2026 · Live data: fgc, 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 July 29, 2026): the median sale price is about $245K ($247 per sq ft over the trailing 12 months of closed sales), and a median 57 days on market for closed sales. The trailing-12-month median is down 9% from the prior 12 months, computed from record-level fgc closed sales (17 closings in the current window).
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.
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 July 29 of each year, from record-level fgc 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 ($269K) IS the -8.8% one-year change.
Windows contain 1 to 32 sales each (17 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.
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 (2026-07-18).
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
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
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.
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Frequently Asked Questions
What is the median home price in St Croix?
How long do homes in St Croix take to sell?
Do cash buyers compete in St Croix?
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?
Should you buy in St Croix?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | fgc closed sales, 12-month windows ending July 29, 2026 |
| Under-contract shares | fgc records, as of 2026-07-18 |
| Historical depth | Closed-sale records back to 2013 (301 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 fgc 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 fgc member average and 8 days faster, and we’ll price yours against live your area comps.
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