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Live Market Pulse
35/100
Market Heat
Cooler than normal
2015 → 2026 · 72 at the 2015 peak
0 is St Raphael's coldest market since 2015, 100 its hottest. Today: 35. 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 Raphael in Naples, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 9 recorded sales closed at a median of $2,350,000, $1,000 per square foot, a median 120 days on market, sellers accepting 91% of original asking (+15% versus the prior year). Homes listed or recently sold were built 2000–2000; 3 of 3 report an HOA (median $275/mo); 3 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $25,970 ($25,540 with the full homestead exemption).

St Raphael key facts
LocationNaples, Collier County, FL · ZIP 34108
Sale prices, last 12 months$2,350,000 median across 9 closed sales · $1000 per sq ft · +14.6% vs the prior 12 months
Days on market (closed sales)120 median
For sale right now3 active, 2 pending · median asking $3,395,000

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 Raphael key facts,” movewithmomentum.com/neighborhoods/st-raphael, data as of September 20, 2026.

Live · St Raphael 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
$2.35M ▲
Median sold · 12 mo
up 14.6% vs the prior 12 months
+14.6% ▲
1-yr price change
n = 9 and 7 sales in the two windows
$1000/sf
Sold $/sqft · 12 mo
peak $1162 in 2022
90.9%
Sale vs ask
Tempo
120days
Median DOM · closed
4 days at the 2015 low
40%
Under contract
Collier: 19% (1,017 of 5,466)
3 · 2
For sale · pending
live counts, refreshed twice daily
9
Sold · last 12 mo
10-yr average: about 9 a year
Track record · 13 years of records
2,600sqft
Median sold home size
12-mo windows, closed sales
Jon Brooks, founder of Momentum Realty
Jon's Current Read

St Raphael sits at a median of $2,375,000 with a price per square foot just over $1,031 — a figure that reflects the finish level and lot positioning more than square footage alone. That per-foot number is one of the higher ones we track in Collier County, and it tells you the value here is concentrated in the build quality and site, not in scale.

A median of 120 days on market paired with a market heat score of 33 points to a deliberate, low-urgency sales environment. Sellers are pricing for a specific buyer rather than racing the market, and with only 9 closings in the current window, each sale carries real weight in how the median moves. The 17.3% year-over-year gain shows pricing has still moved up meaningfully, but with a small closings count that trend should be read as directional, not statistical certainty.

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

St Raphael right now

🟢 Still climbing. The trailing-12-month median ($2.35M) is up 14.6% from the prior 12 months ($2.05M). With about a dozen 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: Medium (9 and 7 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 Raphael market snapshot (as of September 20, 2026): the median sale price is about $2.35M ($1000 per sq ft over the trailing 12 months of closed sales), and a median 120 days on market for closed sales. The trailing-12-month median is up 15% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (9 closings in the current window).

In ZIP 34108 (Naples), 629 homes closed in the last 12 months at a median of $955K ($547/sq ft), down 2.0% year over year, with a median 84 days on market. Right now 257 active and 52 pending listings — a soft market. See the live ZIP 34108 housing market and the Collier County market.

Florida Gulf Coast MLS sales records identify 9 homes in St Raphael that have changed hands, built between 2000 and 2000 (median 2000), with a median living area of about 2,500 sq ft and a typical 3-bedroom, 3-bath layout; 89% 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 Raphael is a low-volume, high-price-point corner of the Naples market where a handful of transactions each period sets the tone — worth watching closely before assuming any single sale reflects the broader trend.

Best for

  • Buyers targeting a specific-quality home near the $2,375,000 median and comfortable with a longer, roughly four-month search-to-close timeline
  • Sellers prepared to price precisely and hold for the right offer rather than expect quick turnover
  • Buyers who prioritize build quality and per-square-foot value over volume of comparable listings to shop against

Probably not for

  • Buyers who need a fast close and a high-volume inventory of similar listings to compare
  • Sellers expecting rapid turnover based on broader market averages rather than this community's own pace
  • Buyers relying on documented on-site amenities, since none are currently identified in MLS data and would need direct verification

Windows contain 2 to 17 sales each (9 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
$1M$1.5M$2M$2.5M2014201620182020202220242026
Up 14.6% year over year.
Every sale since 2013 · price vs size
$0$2M$4M2k3k4k
119 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$600$800$1K$1K2014201620182020202220242026
Up from $578 in 2013 to a $1162 peak in 2022; $1000 now.
Median days on market · closed sales
01002002014201620182020202220242026
4 days at the 2015 low; 120 now.
Sale price vs original ask · median
90%92%95%98%2014201620182020202220242026
90.9% now.
Homes sold per 12-mo window
0510152014201620182020202220242026
2 to 17 a year; 9 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning201620182020202220242026
72 at the 2015 peak, 13 in the troughs, 35 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

15% of homes for sale in ZIP 34108 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 Raphael Market Scorecard

Balanced

St Raphael is currently a balanced market., a median asking price of $3,395,000, and homes go under contract in about 111 days.

$3,395,000
Median list
$2,350,000
Median sold
$1345
List $/sqft
111
Days on mkt
2/1/0
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.

Housing distress & ownership in St Raphael, 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 21 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-09-30)

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 Raphael

Live MLS inventory for St Raphael. 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 Raphael 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 Raphael Right Now (3)

All 3 active and pending St Raphael listings with a detail page, newest first, refreshed twice a day from the MLS.

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

If we were buying in St Raphael 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 Raphael.

Best Buy
Buyers and sellers comfortable operating in a low-volume, high-value segment where patience and precise pricing matter more than speed.
Biggest Risk
With only 9 closings in the current window, the median and pricing trend can shift meaningfully with each new sale.
Sweet Spot
Serious buyers targeting a specific property type who can move on the right listing without waiting for a deep comp set.
Avoid If
You need a fast transaction timeline or a large pool of directly comparable recent sales to validate pricing.

A market defined by few sales, high stakes

With a closings window of just 9 sales, St Raphael does not behave like a high-volume subdivision. Each transaction has outsized influence on the median and the per-square-foot figure, which is why the $1,031.58 per-square-foot number should be read as a snapshot of current listings rather than a fixed ceiling or floor. Buyers and sellers here are negotiating in a market where comparables are thin and each closing becomes the new reference point.

The 120-day median days on market is the clearest signal of posture: this is not a market where pricing gets tested and corrected within weeks. Homes here sit, and that patience cuts both ways — sellers who price accurately still need buyer sourcing time, and buyers who move decisively when the right property appears have room to negotiate before competing bids emerge. The market heat score of 33 confirms a market that is active but unhurried.

“

The location and the amenities are priced into every listing in St Raphael. 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 community with only 9 closings feeding the current data set, generic comps and automated pricing tools break down fast. We track each listing and sale individually here, price against the specific home rather than a thin average, and manage the 120-day sales cycle with a plan for exposure and negotiation rather than a wait-and-hope posture.

St Raphael in 15 seconds.

Best forBuyers and sellers comfortable operating in a low-volume, high-value segment where patience and precise pricing matter more than speed.
Biggest advantageThe per-square-foot premium reflects concentrated build quality rather than broad market inflation.
Biggest riskWith only 9 closings in the current window, the median and pricing trend can shift meaningfully with each new sale.
Sweet spotSerious buyers targeting a specific property type who can move on the right listing without waiting for a deep comp set.
Avoid ifYou need a fast transaction timeline or a large pool of directly comparable recent sales to validate pricing.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the St. Raphael 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. Raphael Condos for Sale in Naples, FL.
In short
  • HOA dues reported around $275/month (about $3,300/yr) · median of 89 MLS listings, most billed annually
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $275 per month ($3,300 a year) — the median AssociationFee across 89 MLS records, normalised to a monthly figure; most are billed annually. 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 Raphael sales matched to your home.

What is your St Raphael home worth?

Get a no-obligation home value based on real comparable sales in St Raphael, 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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Real comps, not an automated estimate.

Recently off market in St Raphael

Homes in St Raphael 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. 2 on record.

Frequently Asked Questions

What is the median home price in St Raphael?
The median sale price in St Raphael was $2.35M over the 12 months ending September 20, 2026 (9 closed sales, Florida Gulf Coast MLS).
How long do homes in St Raphael take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 120 days on market (9 sales, Florida Gulf Coast MLS).
Who is the best real estate agent for St Raphael?
The best agent for St Raphael 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 Raphael.
How do I find a top Naples real estate agent who knows St Raphael?
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 Raphael and the wider Naples area.
Can Momentum Realty connect me with an agent for St Raphael?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your St Raphael purchase or sale - no call center and no pressure.
Where is St. Raphael, and what county is it in?
St. Raphael is in Naples, Collier County, FL, ZIP 34108. The community's center is about 3 miles northwest of the center of Naples (straight-line).
Buyers targeting a specific-quality home near the $2,375,000 median and comfortable with a longer, roughly four-month search-to-close timelineExcellent fit
Sellers prepared to price precisely and hold for the right offer rather than expect quick turnoverExcellent fit
Buyers who prioritize build quality and per-square-foot value over volume of comparable listings to shop againstExcellent fit
Buyers who need a fast close and a high-volume inventory of similar listings to compareProbably not
Sellers expecting rapid turnover based on broader market averages rather than this community's own paceProbably not
Buyers relying on documented on-site amenities, since none are currently identified in MLS data and would need direct verificationProbably 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 (119 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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More on St. Raphael Condos for Sale in Naples

Thinking of selling in St Raphael? 9 recorded closings; median 120 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. Raphael with Momentum Realty’s local guides.

Mystique (Collier)0.1 mi away · median $12.85M, 3 sales/12 moCoronado (Collier)0.1 mi away · median $1.74M, 4 sales/12 moEpique0.1 mi awayCalais0.2 mi away · median $1.03M, 5 sales/12 moMarbella At Pelican Bay0.2 mi away · median $2.90M, 5 sales/12 moSt Laurent0.2 mi away · median $1M, 4 sales/12 moClaridge (Collier)0.3 mi away · median $2M, 7 sales/12 moSt Pierre0.3 mi away · median $1.19M, 4 sales/12 mo

Browse all neighborhood guides →

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