Sun Terrace
Homes for Sale in Naples, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Sun Terrace is a small pocket of 56 homes, and with only 3 closings feeding this snapshot, treat any single stat here as directional rather than definitive. What the numbers do suggest is a market that has cooled: a market heat score of 24 and a median 104 days on market point to homes sitting longer than a typical Naples listing, and pricing has moved with it, down 16.5% year over year to a median of $555,000.
The housing stock itself explains a good part of the spread in outcomes. Built years run from 1960 to 2023 with a median year built of 1966, so buyers are choosing between original-condition homes from the 1960s and scattered newer or heavily renovated builds on the same streets. At a median $404.46 per square foot on a median 1,585 square feet, condition and vintage are doing more work on price than location alone.
Sun Terrace right now
🔴 Off the recent peak. The trailing-12-month median ($555K) is down 16.5% from the prior 12 months ($665K). With about 5 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: Low (3 and 8 sales in the two windows).
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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
Sun Terrace market snapshot (as of July 29, 2026): the median sale price is about $555K ($404 per sq ft over the trailing 12 months of closed sales), and a median 104 days on market for closed sales. The trailing-12-month median is down 16% from the prior 12 months, computed from record-level fgc closed sales (3 closings in the current window).
Sun Terrace is a community of 56 homes in Naples, Collier County, built between 1960 and 2023 (median 1966), with a median living area of about 1,585 square feet. 55% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Sun Terrace is a compact, established Naples neighborhood where the age of the home you're looking at, not just the address, drives most of the price conversation.
Who Sun Terrace is best for.
Best for
- Buyers focused on an established Naples location who are willing to evaluate each home's age and condition on its own terms
- Buyers with a longer purchase timeline who can afford to negotiate in a slower-moving market
- Buyers specifically seeking a renovated or newer-built home mixed into an older housing stock
Probably not for
- Buyers who want a large, active inventory to comparison-shop before deciding
- Buyers seeking a listed set of community amenities, since none are identified in current MLS listings here
- Sellers expecting a quick sale, given a median 104 days on market and a recent year-over-year price decline
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 ($555K) IS the median in the snapshot above, and the move from 2025 ($665K) IS the -16.5% one-year change.
Windows contain 0 to 10 sales each (3 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 Sun Terrace buying strategy.
If we were buying in Sun Terrace 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 Sun Terrace.
A market thin on volume, wide on condition
With just 56 homes total and a 3-closing window behind this data, Sun Terrace does not trade in high volume. That thinness cuts both ways: sellers can't lean on a deep run of comparable sales to justify a number, and buyers won't find a lot of competing inventory to cross-shop in real time. Each listing here tends to get evaluated more on its own condition and updates than on a tight neighborhood comp set.
The 1960-to-2023 build range, with a median year built of 1966, means due diligence should start with the home's age and renovation history before anything else. A 1960s home that has been substantially updated and a newer build on the same block can post very different price-per-square-foot numbers even though the median sits at $404.46. The 104-day median days on market and the year-over-year price pullback both suggest a market where buyers currently have room to negotiate on anything that isn't move-in ready.
The location and the amenities are priced into every listing in Sun Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Sun Terrace buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (2.5). Basis: Recent Direction -16.5% year-over-year; Owner Commitment 55% owner-occupied; Pricing Power 83.7% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin on closings, pricing a home or evaluating an offer takes more than pulling a standard comp sheet. We look at each property's age, condition, and update history individually rather than assuming the neighborhood median applies, and we can walk you through what the 104-day market and the recent price pullback actually mean for your specific timeline, whether you're listing or making an offer.
Sun Terrace 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 Sun Terrace 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 Sun Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sun Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sun Terrace home worth?
Get a no-obligation home value based on real comparable sales in Sun Terrace, 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 homes for sale in Sun Terrace on the map →
Frequently Asked Questions
What is the median home price in Sun Terrace?
How long do homes in Sun Terrace take to sell?
How many homes are in Sun Terrace?
What share of Sun Terrace is owner-occupied?
When were the homes in Sun Terrace built?
Do cash buyers compete in Sun Terrace?
Who is the best real estate agent for Sun Terrace?
How do I find a top Naples real estate agent who knows Sun Terrace?
Can Momentum Realty connect me with an agent for Sun Terrace?
Should you buy in Sun Terrace?
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 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | fgc records, as of 2026-07-18 |
| Historical depth | Closed-sale records back to 2014 (55 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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