Valley Oak
Homes for Sale in Naples, FL

All 1,847 homes for sale in Naples, FL · median $425,000 · 279 homes for sale in 34119 · Collier County homes for sale

Community in Naples · Collier County · ZIP 34119
176 homesBuilt 1988–1996Median sale $1.28M
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Live Market Pulse
15/100
Market Heat
Cooler than normal
2015 → 2026 · 82 at the 2021 peak
0 is Valley Oak's coldest market since 2015, 100 its hottest. Today: 15. How it's scored

Photo via Florida Gulf Coast MLS

Built fromLive Florida Gulf Coast MLS data13 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Valley Oak in Naples, FL has 4 homes for sale and 1 pending, asking from $1,349,000 to $1,495,000 (median $1,460,000). Over the 12 months ending 2026-09-20, 9 recorded sales closed at a median of $1,275,000, $456 per square foot, a median 94 days on market, sellers accepting 89% of original asking (-28% versus the prior year). Homes listed or recently sold were built 1988–1995; 4 of 5 report an HOA (median $235/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 14 ft). At the median price and Collier County's FY2025-26 rate of 11.05 mills, annual property tax runs about $14,090 ($13,660 with the full homestead exemption).

Live · Valley Oak 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
$1.28M ▼
Median sold · 12 mo
down 27.8% vs the prior 12 months
-27.8% ▼
1-yr price change
n = 9 and 9 sales in the two windows
$456/sf
Sold $/sqft · 12 mo
peak $590 in 2024
89.5%
Sale vs ask
Tempo
94days
Median DOM · closed
10 days at the 2023 low
20%
Under contract
Collier: 19% (1,017 of 5,466)
4 · 1
For sale · pending
live counts, refreshed twice daily
9
Sold · last 12 mo
10-yr average: about 12 a year
Ownership and context
73%
Owner-occupied · Valley Oak
128 of 176 parcels homesteaded (FL DOR 2025)
27%
Non-owner-occupied · Valley Oak
incl. 26% trust or LLC-held · 14% out-of-state
176
Homes in the community
176 residential parcels (FL DOR 2025)
Track record · 13 years of records
9
Recorded sales · 2024-2025
median $1.80M · qualified sales on the county roll (FL DOR 2025)
Est. 1988
Community established
homes built 1988-1996, median 1991 (FL DOR 2025)
2,838sqft
Median sold home size
12-mo windows, closed sales
5.1%/yr
Turnover rate
about 9 of 176 homes trade a year

Homes For Sale Right Now in Valley Oak

Live MLS inventory for Valley Oak. 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 Valley Oak 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.

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

Valley Oak prices off two things: square footage and how much a given home has been updated since its original build. With a median living area of 3,175 square feet and construction dating to a tight window between 1988 and 1997, the housing stock is uniform in scale but not in condition — that spread is what drives a median price per square foot of $458.97 with real variance around it.

A median of 43 days on market and a market heat score of 41 point to a measured pace rather than urgency in either direction. Pricing has softened slightly year over year, down 2.4%, which argues for sellers leading with condition and documented updates, and for buyers using that same day-on-market window to negotiate rather than assuming they need to move fast.

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

Valley Oak right now

🔴 Off the recent peak. The trailing-12-month median ($1.28M) is down 27.8% from the prior 12 months ($1.77M). 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 9 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

Valley Oak market snapshot (as of September 20, 2026): the median sale price is about $1.28M ($456 per sq ft over the trailing 12 months of closed sales), and a median 94 days on market for closed sales. The trailing-12-month median is down 28% from the prior 12 months, computed from record-level Florida Gulf Coast MLS closed sales (9 closings in the current window).

In ZIP 34119 (Naples), 1,303 homes closed in the last 12 months at a median of $808K ($325/sq ft), up 2.6% year over year, with a median 62 days on market. Right now 376 active and 143 pending listings — a buyer's market. See the live ZIP 34119 housing market and the Collier County market.

County records show 9 qualified sales in Valley Oak across 2024–2025 (6 in 2024, 3 in 2025), median $1.80M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Valley Oak is a community of 176 homes in Naples, Collier County, built between 1988 and 1996 (median 1991.0), with a median living area of about 3,174 square feet. 73% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Valley Oak is a Naples community of 223 homes built within a single decade (1988–1997), which means the buying decision here comes down less to floor plan era and more to what each individual home has had done to it since.

Best for

  • Buyers targeting a larger-footprint home near the $1,512,500 median who are willing to budget for condition-driven updates.
  • Buyers planning a primary residence, consistent with the community's 74.2% homestead share.
  • Buyers comfortable with a slower, 43-day-median sales pace who want negotiating room rather than a bidding-war environment.

Probably not for

  • Buyers who need built-in community amenities as part of the purchase, since none are currently identified in active listings.
  • Buyers seeking a recently built home, since Valley Oak's stock dates to 1988–1997.
  • Buyers who want a single, predictable price band rather than evaluating each home's individual renovation history.

Windows contain 1 to 21 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
$500K$1M$1.5M2014201620182020202220242026
Down 27.8% year over year.
Every sale since 2013 · price vs size
$0$1M$2M2k3k4k
158 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$200$400$6002014201620182020202220242026
Up from $180 in 2013 to a $590 peak in 2024; $456 now.
Median days on market · closed sales
0501002014201620182020202220242026
10 days at the 2023 low; 94 now.
Sale price vs original ask · median
90%95%100%2014201620182020202220242026
89.5% now.
Homes sold per 12-mo window
010202014201620182020202220242026
1 to 21 a year; 9 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning201620182020202220242026
82 at the 2021 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

25% of homes for sale in ZIP 34119 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 (2026-10-01).

Valley Oak Market Scorecard

Balanced

Valley Oak is currently a balanced market., a median asking price of $1,460,000, and homes go under contract in about 97 days.

$1,460,000
Median list
$1,275,000
Median sold
$525
List $/sqft
97
Days on mkt
4/1/0
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 Valley Oak, 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 8 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-10-01)

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.

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

If we were buying in Valley Oak 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 Valley Oak.

Best Buy
Buyers who want a larger, established Naples home and are comfortable evaluating renovation history room by room.
Biggest Risk
A slight year-over-year price softening of 2.4% and a wide condition range mean an unrenovated purchase can underperform the community median on resale.
Sweet Spot
A well-maintained or updated home near the median price point of $1,512,500, priced to reflect documented improvements rather than age alone.
Avoid If
You want move-in-ready certainty without inspecting mechanicals and finishes closely, or you need on-site recreational amenities as part of the purchase.

One era, uneven upkeep

With a median year built of 1991 and a living area median of 3,175 square feet, Valley Oak's homes share a footprint and construction generation, but nearly three decades of ownership since means renovation histories diverge widely. That's the single biggest variable buyers should underwrite before comparing list prices.

The 74.2% homestead share indicates the majority of this inventory functions as a primary residence rather than a rotating rental or seasonal pool, which tends to show up in more finished, lived-in interiors relative to communities with heavier investor or short-term turnover. No community amenities are currently identified from active MLS listings, so any recreational infrastructure would need to be confirmed directly rather than assumed from the listing data.

“

The location and the amenities are priced into every listing in Valley Oak. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
3.4D · Buy Score
Recent Direction0.0/10
Owner Commitment7.3/10
Pricing Power3.0/10

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 (3.4). Basis: Recent Direction -27.8% year-over-year; Owner Commitment 73% owner-occupied; Pricing Power 89.5% sale-to-list. Refreshed with each data update.

Why work with Momentum here

In a community where every home was built in roughly the same era but has aged differently, the difference between a fair offer and an overpay is knowing which systems and finishes have actually been replaced. We walk that history line by line before you write a number, and we price listings against Valley Oak's real per-square-foot spread rather than a single headline median.

Valley Oak in 15 seconds.

Best forBuyers who want a larger, established Naples home and are comfortable evaluating renovation history room by room.
Biggest advantageConsistent 1988–1997 construction and a generous living-area median of 3,175 square feet give buyers scale without guessing at lot-to-lot layout differences.
Biggest riskA slight year-over-year price softening of 2.4% and a wide condition range mean an unrenovated purchase can underperform the community median on resale.
Sweet spotA well-maintained or updated home near the median price point of $1,512,500, priced to reflect documented improvements rather than age alone.
Avoid ifYou want move-in-ready certainty without inspecting mechanicals and finishes closely, or you need on-site recreational amenities as part of the purchase.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Valley Oak 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 Valley Oak.
In short
  • HOA dues reported around $236/month (about $2,832/yr) · median of 80 MLS listings, most billed quarterly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $236 per month ($2,832 a year) — the median AssociationFee across 80 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 Valley Oak sales matched to your home.

What is your Valley Oak home worth?

Get a no-obligation home value based on real comparable sales in Valley Oak, 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 Valley Oak

Homes in Valley Oak 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. 3 on record.

Frequently Asked Questions

What is the median home price in Valley Oak?
The median sale price in Valley Oak was $1.28M over the 12 months ending September 20, 2026 (9 closed sales, Florida Gulf Coast MLS).
How long do homes in Valley Oak take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 94 days on market (9 sales, Florida Gulf Coast MLS).
How many homes are in Valley Oak?
The Florida DOR 2025 assessment roll shows 176 homes in Valley Oak (public records).
What share of Valley Oak is owner-occupied?
73% of Valley Oak parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Valley Oak built?
Homes in Valley Oak were built between 1988 and 1996, with a median year built of 1991.0 (FL DOR 2025 roll).
Who is the best real estate agent for Valley Oak?
The best agent for Valley Oak 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 Valley Oak.
How do I find a top Naples real estate agent who knows Valley Oak?
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 Valley Oak and the wider Naples area.
Can Momentum Realty connect me with an agent for Valley Oak?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Valley Oak purchase or sale - no call center and no pressure.
Where is Valley Oak, and what county is it in?
Valley Oak is in Naples, Collier County, FL, ZIP 34119. The community's center is about 4 miles northeast of the center of Naples (straight-line).
Is Valley Oak a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Valley Oak: the median sale price over the last 12 months was $1.27M (9 sales), 112% above the Naples median of $600K; homes took a median 94 days to go under contract; the assessment roll counts 176 homes, 73% of them homesteaded (owner-occupied). The full numbers, price history and the flood and school sections are above.
Buyers targeting a larger-footprint home near the $1,512,500 median who are willing to budget for condition-driven updates.Excellent fit
Buyers planning a primary residence, consistent with the community's 74.2% homestead share.Excellent fit
Buyers comfortable with a slower, 43-day-median sales pace who want negotiating room rather than a bidding-war environment.Excellent fit
Buyers who need built-in community amenities as part of the purchase, since none are currently identified in active listings.Probably not
Buyers seeking a recently built home, since Valley Oak's stock dates to 1988–1997.Probably not
Buyers who want a single, predictable price band rather than evaluating each home's individual renovation history.Probably 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
Housing stock & ownershipFlorida DOR assessment roll (street-list match (2 streets, ZIP 34119))
Under-contract sharesFlorida Gulf Coast MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2013 (158 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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CallFree valuation →
Thinking of selling in Valley Oak? 9 recorded closings; median 94 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.

More on Valley Oak

Nearby Communities

Explore more neighborhoods near Valley Oak with Momentum Realty’s local guides.

San Miguel0.2 mi awayNapa Ridge0.2 mi away · median $430K, 3 sales/12 moSilver Oaks0.2 mi away · median $332K, 6 sales/12 moArbor Glen0.3 mi awayHammock Isles0.3 mi away · median $1.40M, 11 sales/12 moVilla Verona0.3 mi away · 1 for saleSonoma Lake0.3 mi away · 1 for saleConcord0.4 mi away · median $285K, 7 sales/12 mo

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