Oyster Bay Homes for Sale in Naples, FL
Oyster Bay is a neighborhood of single-family homes and condominium buildings on the east side of Naples Bay, inside the City of Naples, FL 34102. Domain Realty Group put this buyer's guide together from the county roll, recorded deeds and a dated MLS export, and it sits within our larger set of Naples homes and communities. Houses on the plats and units in the condominium buildings are reported apart from start to finish. Data updated: November 2026.
By Jesse McGreevy and Marc Comisar, Domain Realty Group. Data updated: November 2026. Call Domain Realty Group at 239-441-2816.
What should Oyster Bay home buyers in Naples, FL know first?
Start with the split. Oyster Bay holds plat single-family homes on five recorded plats and condominium units spread across 19 separate condominium regimes, and this page never folds the two into one figure. Each price below carries its product, its source, either county deeds or the MLS, and the months it covers, so you always compare like with like.
Two products: plat single-family homes and condominium units
The houses stand on lots laid out by the five Oyster Bay plats, recorded as Oyster Bay Unit 1 to Unit 5. Most of them line Jewel Box Ave, Sandpiper St and Chesapeake Ave, and each is its own parcel with its own deed history.
The condominium side works differently. A unit is one parcel inside a regime, each regime has its own declaration and its own association, and several regimes can share a building name or a street. To keep the tables readable, we sort the 19 regimes into 11 building groups, such as Four Winds, the Granada group and the Chesapeake group, and the homes section further down this page shows how those groups line up on the roll.
The two products also show up differently in the records. A house sale is one deed for one lot. A condominium sale is one deed for one unit, and a building with many units can record several sales in a year while the plats record only a few. Reading a house price beside a condominium price tells you little, so every table here keeps a column or a row for each.
Oyster Bay county and MLS figures at a glance
The grid below puts the headline counts side by side. County rows come from qualified Collier County deeds and the 2026 roll; MLS rows come from the SWFLA export dated October 29, 2026. The county and MLS windows end on different dates, so read across a row and keep the two sources apart.
| Set | Plat single-family | Condominium |
|---|---|---|
| County parcels on the 2026 roll | 41 homes | 266 units |
| County deeds, September 2025 through August 2026 | 3 at a median of $3,800,000 | 13 at a median of $465,000 |
| County deeds, September 2021 through August 2026 | 10 at a median of $3,690,000 | 44 at a median of $502,500 |
| MLS closings, October 29, 2026 export | 2 ($2,900,000 and $3,580,000) | 14 at a median of $457,500 |
| MLS active listings, October 29, 2026 export | 4 | 11 |
How we counted Oyster Bay
The 2026 county roll lists 336 parcels in Oyster Bay: 70 parcels on the five Oyster Bay plats and 266 condominium units in 19 condominium regimes. On the plats, 41 parcels are single-family homes, 10 are small multi-family buildings and 4 are vacant lots, and the small multi-family buildings and lots stay out of every single-family figure. The other 15 plat parcels, such as miscellaneous residential parcels, a right-of-way strip and a few plat units filed as condominium, appear in counts only and in no price line.
Together the five plats and the 19 regimes account for 24 county numbers on the roll, and we matched every deed to one of them before it reached a table. Only qualified sales enter the county figures: deeds the county marks as qualified, each with a recorded price.
We tracked 13 county condominium deeds and 3 single-family deeds in the twelve months to August 2026. We tracked 34 MLS rows filed under Oyster Bay in the October 29, 2026 export.
For the MLS, we took every row whose Development Name reads OYSTER BAY, then joined each address to the county set. That join is how we sort a row into the plat single-family line or the condominium line, and it is also how we caught the rows that sit outside the set.
What this page leaves out
Some facts are not in the sources we used, and we would rather say so than guess. None of the 19 condominium associations publishes its dues online, so dues stay out of the text here. The number of stories in each building is not confirmed. Evacuation zones, flood zones and assigned schools are matters to check address by address, and later sections say how.
The page names no builder, no developer and no plat year, since nothing we reviewed settles them. It also does not cover homes on the same streets that sit outside the five plats and 19 regimes; the homes section names two small condominiums in that position. For other parts of the city, start from our Naples communities list.
What homes are for sale in Oyster Bay, Naples, right now?
The live search below shows what is on the market today. In the October 29, 2026 export, the MLS carried four active plat single-family listings and eleven active condominium listings filed under Oyster Bay, plus one condominium under contract. That snapshot is dated, and listings change daily, so use the live links for anything current.
Search the live listings
Each link opens our listing search filtered to the OYSTER BAY development in the MLS, with a map box drawn around the neighborhood. The price split falls at $1,000,000, which roughly separates the plat houses from most condominium units.
- Every home for sale in Oyster Bay
- Oyster Bay listings new in the last 30 days
- Oyster Bay homes priced under $1,000,000
- Oyster Bay homes priced at $1,000,000 or more
You can also browse every active home we carry across the area on our property search.
Active listings in the October 29, 2026 export
On that date the MLS showed 15 active rows under the OYSTER BAY development name: four plat single-family homes and eleven condominium units. One more condominium row, in Cherrystone Court, was pending.
The active condominium rows came from six building groups: Four Winds, the Granada group, the Chesapeake group, the Clam Court group, Escondido Marina and Oyster Bay Manor. The Blue Point group, Sea Eagle Club, Beachwood and Villa Ensenada had no active row that day, though each can list a unit at any time.
The MLS export holds the Residential class only. A duplex or other small multi-family building offered under the Income class would not appear in it, so the export says nothing either way about the ten small multi-family parcels on the plats.
Listings filed under another MLS name
The MLS files a few addresses inside this page's set under the Royal Harbor development, four in the October 29, 2026 export, so a search on the Oyster Bay development alone can miss them.
A second pattern touches the Chesapeake group. Three rows for Chesapeake Landings units carried CHESAPEAKE LANDINGS as the development name instead of OYSTER BAY, so they sit outside the 34 counted rows even though the units are in the county set.
The listing agent picks the development name, so the same building can appear under different labels from one listing to the next. Our live search uses the OYSTER BAY label with a map box, and an agent search by street and unit number is the way to catch the rest.
What to ask before a showing
Before you tour, settle which product you want and gather the records that go with it. For a plat house, ask for the survey, the elevation certificate if one exists and the permit history for any recent work. For a condominium unit, ask which regime the unit belongs to, then request that association's governing documents, budget and estoppel figures.
Ask too where the listing is filed in the MLS and whether it carries the address exactly as the county roll shows it. A mismatch between the two is common here and is easy to sort out early. Our Naples agents can pull both records before you book a showing, and you can reach the team through our contact page.
What is Oyster Bay in Naples, FL, and where is it?
Oyster Bay sits on the east side of Naples Bay inside the City of Naples, in ZIP 34102. It is made up of five recorded plats of house lots and 19 condominium regimes along a short grid of streets, and the City's East Naples Bay Special Taxing District covers all but seven of its parcels.
The five plats and the 19 condominium regimes
The house lots come from five plats, Oyster Bay Unit 1 through Oyster Bay Unit 5. Unit 1 runs along Blue Point Ave and Unit 2 along part of Chesapeake Ave. Unit 3 is mostly Sandpiper St, with a few parcels on Blue Point Ave and Little Neck Ct. Unit 4 holds the Jewel Box Ave lots, all of them single-family on the roll, and Unit 5 carries the rest of the Chesapeake Ave lots.
The condominium regimes fill the blocks between. Four Winds is the largest single regime by unit count. Others are small, a handful of units each, such as Oyster Bay Manor. Several regimes form a named group on the ground: Granada Homes I, II and III and one more regime make up the Granada group, and the Chesapeake group gathers Chesapeake Landings, Chesapeake Point and Chesapeake Manor I and II.
A 2006 report to the City says dredge-and-fill work on the east side of Naples Bay began in the early 1950s. That report covers the shoreline as a whole and does not name Oyster Bay, and we found no record naming who platted the five units or when.
Streets in Oyster Bay
The county roll places the set on Blue Point Ave, Chesapeake Ave, Jewel Box Ave, Little Neck Ct, Sandpiper St, Cherrystone Ct, Clam Ct, Curlew Ave and Osprey Ave. Most of the names echo shellfish, such as the Blue Point, Chesapeake, Cherrystone and Little Neck oysters and clams; that reading is ours, not a recorded one.
A street name alone does not prove an address is in Oyster Bay. Sandpiper St, Curlew Ave, Osprey Ave and Cherrystone Ct also carry homes in separate neighboring subdivisions or in small condominiums outside this page's set. Check the plat or the condominium name on the county record, not the street sign.
Inside the City of Naples
Every parcel in the set sits inside the City of Naples. The 2026 roll carries the City general fund line on every parcel in the set, and a Census geocoder check at 1460 Jewel Box Ave returned the City as the place. City rules on permits, floodplain work and rentals apply here, and later sections cover them.
Eight Sandpiper St parcels on the Oyster Bay Unit 3 plat show ZIP 34112 on the roll. That ZIP is a postal label for mail delivery only; those parcels are still in the City, and the rest of the set uses 34102.
The East Naples Bay Special Taxing District
The City of Naples created the East Naples Bay Special Taxing District by referendum on August 5, 1987, under Ordinance 87-5330. It covers Oyster Bay together with two separate neighboring subdivisions, and its levy shows as its own line on the property tax bill.
On the 2026 roll, 329 of the 336 parcels carry the district line; seven Sandpiper St parcels do not. The tax section later on this page breaks out the millage for both groups, the homes section quotes the City's own wording on what the district does, and the news section covers its budget for the coming year.
What have single-family homes in Oyster Bay sold for in county records?
Collier County deed records show three plat single-family sales in Oyster Bay from September 2025 through August 2026, with a county median of $3,800,000 for that twelve-month window. All three were on Jewel Box Ave. The sections below list each deed, the two sales of the year before and the 60-month count.
County single-family deeds, September 2025 through August 2026
County deeds show 3 plat single-family sales from September 2025 through August 2026 at a median of $3,800,000, from $3,580,000 to $11,450,000. The table lists each qualified deed by the month it was recorded.
| County deed, month | Price | Address |
|---|---|---|
| County deed, 2025-09 | $11,450,000 | 1340 Jewel Box Ave |
| County deed, 2025-12 | $3,800,000 | 1460 Jewel Box Ave |
| County deed, 2026-06 | $3,580,000 | 1506 Jewel Box Ave |
With three deeds, the middle sale sets the median and one high sale stretches the range a long way. Treat the county figure as a description of those three closings, not a price for any other house on the plats.
The prior twelve months
In the prior twelve months, September 2024 through August 2025, county deeds show two plat single-family sales, at $4,500,000 and $10,675,000. With only two deeds, we print both prices and no median, since a midpoint of two sales describes neither of them.
The two windows together hold five county house sales. That is too few to call a trend, and we do not draw one.
Sixty months of single-family deeds
Over the 60 months from September 2021 through August 2026, the county recorded ten qualified plat single-family deeds in Oyster Bay. The window table further down this page gives that longer count with its median and range.
The longer window lists one 2021 deed at a price well below the others. We kept it, flagged it in our working notes and left the county median to absorb it, since a single low sale moves a ten-deed median far less than it moves a mean.
Small multi-family buildings and vacant lots
The ten small multi-family buildings on the plats, roll use for buildings of under ten units, have their own county line. They show no qualified deed in either twelve-month window and two over the 60 months, both in the window table below.
The four vacant lots on the plats recorded no county deed in either twelve-month window. Neither group enters a single-family figure anywhere on this page.
What have Oyster Bay condominium units sold for in county records?
Collier County deeds show 13 Oyster Bay condominium sales from September 2025 through August 2026, with a county median of $465,000 for that window. The sales came from eight of the 11 building groups, and the county table below lists each by group and month, so you can see where in the neighborhood the closings landed.
County condominium deeds, September 2025 through August 2026
County deeds show 13 condominium sales from September 2025 through August 2026 at a median of $465,000, from $300,000 to $1,625,000. Each row below is one qualified county deed, labelled with its building group and the month it was recorded.
| County deed, building group | Month | Price |
|---|---|---|
| County deed, Blue Point group | 2025-12 | $335,000 |
| County deed, Clam Court group | 2026-02 | $605,000 |
| County deed, Chesapeake group | 2026-03 | $300,000 |
| County deed, Villa Ensenada | 2026-03 | $1,625,000 |
| County deed, Beachwood | 2026-04 | $375,000 |
| County deed, Escondido Marina | 2026-05 | $530,000 |
| County deed, Four Winds | 2026-05 | $375,000 |
| County deed, Four Winds | 2026-05 | $845,000 |
| County deed, Chesapeake group | 2026-06 | $422,500 |
| County deed, Cherrystone Court | 2026-07 | $300,000 |
| County deed, Chesapeake group | 2026-07 | $465,000 |
| County deed, Blue Point group | 2026-08 | $590,000 |
| County deed, Clam Court group | 2026-08 | $775,000 |
The spread follows the buildings. Unit sizes, build years and layouts differ widely from one group to the next, so a building group's own sales tell you more about a given unit than the neighborhood figure does.
Sixty months of condominium deeds
Over the 60 months from September 2021 through August 2026, county deeds show 44 condominium sales at a median of $502,500. That longer window spreads the count across more buildings and gives a steadier middle than any single year can.
The prior twelve months, September 2024 through August 2025, held six county condominium deeds; the window table below gives their median and range beside the other windows.
Building groups with few deeds
Not every building group sells each year. The Granada group, Sea Eagle Club and Oyster Bay Manor show no qualified county deed from September 2025 through August 2026, and Oyster Bay Manor shows none across the full 60 months.
Where a building group has a single deed in a window, our tables print that one price and call it a sale, never a median. Where it has none, the row says so. For a building with no recent deed, the association's records and the MLS history of past listings fill more of the picture than the county set can.
Sales that sit in both records
Many closings land in both data sets. A sale recorded as a county deed often also closes as an MLS row, and most of the 13 county condominium deeds above match an MLS closing at the same price. The 1506 Jewel Box Ave house sale appears in both as well.
On this page each figure names one source. Where a price appears in both, we quote it from the county table in county sections and from the MLS export in MLS sections, so no sentence mixes the two.
What does the MLS show about Oyster Bay homes in Naples?
The SWFLA MLS export dated October 29, 2026 holds 34 rows filed under the Oyster Bay development: 18 closings, 15 active listings and one pending. Its twelve-month window runs from October 29, 2025 to October 29, 2026, so its counts differ from the county deed windows that end in August 2026.
MLS closings in the October 29, 2026 export
The October 29, 2026 MLS export shows two plat single-family closings in its twelve-month window, at $2,900,000 and $3,580,000. The same MLS export shows 14 condominium closings at a median of $457,500, with 11 condominium listings active on October 29, 2026.
The two plat house closings were on Sandpiper St and Jewel Box Ave. As with the county set, two sales get two printed prices and no midpoint.
The 14 condominium closings came from most of the building groups. The building-level breakdown of MLS rows stays in the tables of later sections, and the fee fields that listing agents enter appear only in the association section.
Active and pending listings
Of the 15 active rows, four were plat single-family homes and eleven were condominium units. The single pending row was a condominium unit in Cherrystone Court. No plat house was pending on October 29, 2026.
An active row records an asking price on one day, not a sale. Asking prices can change, and the live search above shows today's list, not the export's.
MLS rows outside the county set
Two MLS rows filed under Oyster Bay, 1225 Sandpiper St and 1485 Chesapeake Ave, sit outside this page's county set and are not counted in either product.
Of the 34 rows, 32 joined to a parcel in the set. The other two belong to parcels outside the five plats and 19 regimes: the Sandpiper St address is a county parcel with a non-residential use code, and the Chesapeake Ave address is a unit in a separate condominium. Both stay out of every MLS line on this page.
Why county and MLS figures differ
The two sources measure different things. County figures count qualified deeds on the roll set, by recording month, through August 2026. MLS figures count listing rows by development name, by closing date, from October 29, 2025 to October 29, 2026.
Several gaps follow from that. A private sale with no listing appears as a county deed but never in the MLS. A listing filed under another development name drops out of an MLS count while its deed stays in the county count. A deed recorded in September or October 2026 can be an MLS closing with no county twin yet. And the MLS export carries only the Residential class, so small multi-family buildings listed as income property do not show in it at all.
Neither source is wrong. Read each figure with its own label and window, and expect them to differ by a sale or two in a neighborhood this size.
What do county deeds by window show for Oyster Bay?
Collier County deeds for Oyster Bay are thin in any single year, so the table below lays out three windows side by side for each county line. Use the 60-month window for a steadier middle and the twelve-month windows to see what closed recently, always reading the house, small multi-family and condominium rows apart.
County deeds by window
Each row is one county line in one window, with the qualified deed count and the prices. Rows with two deeds print both prices; rows with none say so.
| County set | Window | Deeds | Prices |
|---|---|---|---|
| County plat single-family | September 2025 through August 2026 | 3 | median $3,800,000 ($3,580,000 to $11,450,000) |
| County plat single-family | September 2024 through August 2025 | 2 | $4,500,000 and $10,675,000 |
| County plat single-family | September 2021 through August 2026 | 10 | median $3,690,000 ($1,375,000 to $11,450,000) |
| County plat small multi-family | September 2025 through August 2026 | 0 | none |
| County plat small multi-family | September 2024 through August 2025 | 0 | none |
| County plat small multi-family | September 2021 through August 2026 | 2 | $1,650,000 and $1,685,600 |
| County condominium | September 2025 through August 2026 | 13 | median $465,000 ($300,000 to $1,625,000) |
| County condominium | September 2024 through August 2025 | 6 | median $525,000 ($275,000 to $1,565,000) |
| County condominium | September 2021 through August 2026 | 44 | median $502,500 ($275,000 to $1,625,000) |
Reading thin counts
A median from three deeds is the middle sale, nothing more. A range from three deeds can run several million dollars wide when one house is far larger or newer than the others. Neither tells you what a given house on Jewel Box Ave or Sandpiper St will bring.
On the condominium side, 13 deeds in a year spread across many building groups means most groups contribute one or two sales. The neighborhood median blends very different units: a small 1970s flat and a 2007 unit sit in the same count. Use the building group rows in later sections for a closer read, and ask for recent sales in the same building before you settle on a price.
Homestead counts on the 2026 roll
The 2026 roll shows a homestead exemption on 24 of 41 plat single-family homes and 85 of 266 condominium units. None of the 10 small multi-family buildings and none of the 4 vacant lots carries one.
A homestead marks a parcel its owner claims as a permanent Florida residence, and the tax section shows its effect on worked rows. The flag reflects the current owner's filing, so a buyer's own bill depends on the buyer's own claim.
Where the windows end
The county windows run by recording month and end with August 2026, the last full month in the county data bundle we used. A deed recorded later in 2026 is not in any county row on this page, even when the MLS already shows the closing.
The MLS export closes on October 29, 2026. Both sources will move as new sales record and new listings post, and we will refresh this page as fresh files arrive.
What homes are in Oyster Bay, Naples?
Oyster Bay holds two kinds of homes on the 2026 Collier County roll: 41 plat single-family homes on the five Oyster Bay plats and 266 condominium units spread across 19 condominium regimes. The plats also carry 10 small multi-family buildings and 4 vacant lots, which this page keeps on lines of their own.
Plat single-family homes
The five plats recorded under the Oyster Bay name are numbered Unit 1 through Unit 5, and the single-family homes sit on three of them. Unit 4 is the Jewel Box Ave plat, and every one of its 18 parcels is a single-family home. Unit 5 holds 11 single-family homes on Chesapeake Ave. Unit 3, whose parcels front Sandpiper St, Blue Point Ave and Little Neck Ct, holds 12.
Units 1 and 2, on Blue Point Ave and Chesapeake Ave, carry small multi-family buildings and a handful of other parcels rather than single-family homes.
A parcel counts as a plat single-family home on this page only when two things line up on the county roll. Its use code reads single-family residential, and it carries a main residence row, the building record the appraiser treats as the house itself.
To see which plat homes are listed right now, open our Naples property search and filter by street.
Condominium units in 19 regimes
The condominium side is the larger share of Oyster Bay. The 2026 roll lists 266 condominium units in 19 regimes, and every one of those units carries a residence row, so no condominium parcel sits on the roll as an empty record. A regime is a condominium as the county files it, under its own county number; with the five plats, the set uses 24 county numbers in all.
Several regimes share a street and a name, so this page gathers the 19 regimes into 11 building groups. Four Winds stands alone as one regime. The Granada group joins four regimes on and near Curlew Ave, three of them named Granada Homes. The Chesapeake group joins four regimes, including Chesapeake Manor I and II, and the Clam Court and Blue Point groups each join two. Cherrystone Court, Sea Eagle Club on Osprey Ave, Escondido Marina, Beachwood, Villa Ensenada and Oyster Bay Manor each stand as a single regime.
Buying a unit in any of these buildings means buying into a condominium governed by Chapter 718 of the Florida Statutes, with the rules, budget and records of that regime's own association. The HOA section further down covers what the associations publish and what to request from a seller.
Plat single-family, small multi-family and vacant lines
The plats are not all single-family. Ten parcels carry the county's small multi-family use code, for buildings of fewer than 10 units, and four are vacant residential lots. Their tax bills and sale records follow a different pattern from the houses, so the county lines below keep each use apart, and no single-family figure on this page includes them.
| County plat line | Parcels | Year built | Median base area | Median lot | Homestead | Median 2026 tax |
|---|---|---|---|---|---|---|
| County plat single-family homes | 41 | 1960 to 2026, median 1991 | 2,080 sq ft | 11,326 sq ft | 24 of 41 | $12,647.13 |
| County plat small multi-family buildings | 10 | 1961 to 1998, median 1971 | 3,846 sq ft | 11,326 sq ft | 0 of 10 | $15,407.58 |
| County plat vacant lots | 4 | no residence row | none | 10,454 sq ft | 0 of 4 | $10,161.80 |
The vacant line shows no residence row and no base area, as the roll records no house on those lots. The small multi-family base area describes a whole building rather than one home, so read it as a building figure and not beside the single-family median. Another 15 plat parcels carry other uses, such as miscellaneous residential rows and a right-of-way strip, and this page counts them without describing them further.
Homes on the same streets that are not counted
Cherrystone Manor and Chesapeake Bay Villas, four units each on the same streets, are not counted in this page's set.
Those two buildings sit on Cherrystone Ct and Chesapeake Ave, outside the 19 regimes counted on this page, and the MLS export carries no row under the Oyster Bay name for either one. A few other small condominiums sit inside the wider outline of the neighborhood map, and they stay outside the count as well.
The practical step is simple. When a listing names an Oyster Bay street, check the legal description or the county parcel record before you read this page's figures as that home's own. For the wider Naples picture, our Naples homes for sale guide lists the city's other neighborhoods and search pages.
When were Oyster Bay homes built, and how large are they?
The plat single-family homes span more than six decades on the county roll, from 1960 to 2026, while the condominium units date from 1968 to 2007. The single-family homes run larger by county base area, and the median lot on the plats is about a quarter acre, as the plat table above shows.
Year built on the county roll
On the county roll, plat single-family homes were built from 1960 to 2026 with a median of 1991, and condominium units from 1968 to 2007 with a median of 1975.
Year built on this page is the year printed on the main residence row, the building record the roll treats as the house or unit. A parcel can carry later rows for outdoor work, such as decking or a screen enclosure, and those rows can show a newer year without changing the year of the house.
The single-family median of 1991 sits in the middle of a wide spread. Some plat lots still hold houses from the 1960s, while others carry residence rows from the last few years. The condominium dates sit closer together: most regimes went up over a short run of years, and Villa Ensenada is the newest regime in this page's set.
One house draws more questions than the rest. The county roll and the MLS both date the house at 1506 Jewel Box Ave to 1995. Later rows on that parcel record outdoor improvements, not a second residence, so this page counts it as a 1995 house.
Plat homes with a 2020 or later residence row
Five plat single-family homes carry a county residence row dated 2020 or later.
All five sit on Sandpiper St and Chesapeake Ave, and none is on Jewel Box Ave. The table lists each one by the year on its residence row. That year marks the house the county now records; it says nothing about what stood on the lot before, and this page makes no claim about earlier houses on these parcels.
| County residence row year | Address |
|---|---|
| County residence row 2024 | 1075 Sandpiper St |
| County residence row 2024 | 1100 Sandpiper St |
| County residence row 2025 | 1480 Chesapeake Ave |
| County residence row 2026 | 1085 Sandpiper St |
| County residence row 2026 | 1690 Chesapeake Ave |
County base area
The county's base area, the roll's measure of a home's main living space, has a median of 2,080 square feet for the plat single-family homes and 1,108 square feet for the condominium units.
Base area is not the living area a listing prints. The appraiser measures the main living space of the residence row and leaves out areas a listing may add, so the figure on a listing sheet and the roll figure for the same home can differ.
The single-family spread on the roll is wide, and the condominium units vary by building group. The building group table in the next section gives each group's median base area with its range.
Lot sizes on the plats
The roll records each plat lot's acreage, and the plat table above converts it to square feet. The single-family lots and the small multi-family lots share the same median, about a quarter acre, and the vacant lots run a little smaller. A condominium unit carries no private lot on this page: an owner holds the unit plus a share of the regime's common elements.
A median lot is a guide, not a promise for any one parcel. Setbacks, lot coverage and the elevation a new house must meet come from the City of Naples for each lot, so ask for a survey and the City's rules before you plan work on a plat lot.
How do Oyster Bay condominium building groups compare?
The 11 condominium building groups differ in year built, unit size and tax. Four Winds is the largest group on the 2026 roll, the Granada and Chesapeake groups follow, and Oyster Bay Manor is the smallest. The table below gives each group's units, year built, base area, homestead count and median 2026 county tax bill.
Condominium building groups on the 2026 roll
Each row is a county figure from the 2026 roll, grouped by building rather than by regime. Base area shows the group median with the range in brackets, and the homestead column counts units where the owner claims a Florida homestead on the roll.
| County building group | Units | Year built | Base area | Homestead | Median 2026 tax |
|---|---|---|---|---|---|
| County Four Winds | 63 | 1980 | 1,213 sq ft (1,050 to 1,213) | 20 of 63 | $4,648.67 |
| County Blue Point group | 19 | 1968 to 1990 | 917 sq ft (812 to 1,529) | 5 of 19 | $2,953.29 |
| County Granada group | 48 | 1969 to 1973 | 975 sq ft (975 to 1,080) | 17 of 48 | $3,345.51 |
| County Clam Court group | 19 | 1970 to 1980 | 1,449 sq ft (800 to 3,614) | 6 of 19 | $4,805.36 |
| County Chesapeake group | 40 | 1968 to 1979 | 1,080 sq ft (913 to 1,840) | 10 of 40 | $3,293.51 |
| County Cherrystone Court | 22 | 1974 to 1975 | 1,276 sq ft (1,276 to 1,437) | 10 of 22 | $3,832.48 |
| County Sea Eagle Club | 18 | 1975 | 1,020 sq ft (1,020 to 1,320) | 3 of 18 | $4,465.93 |
| County Escondido Marina | 12 | 1980 | 1,875 sq ft (1,534 to 1,875) | 5 of 12 | $5,786.50 |
| County Beachwood | 12 | 1972 | 1,108 sq ft (1,108 to 1,108) | 3 of 12 | $3,402.01 |
| County Villa Ensenada | 9 | 2007 | 2,107 sq ft (2,071 to 2,705) | 4 of 9 | $11,833.11 |
| County Oyster Bay Manor | 4 | 1976 | 1,111 sq ft (1,111 to 1,111) | 2 of 4 | $3,661.45 |
Deeds by building group are thin, so this page prints group sale prices only in the county deed table of the condominium sales section and never turns them into a group median in prose.
Four Winds
Four Winds is one regime with one year built across all its units on the roll, which makes its rows unusually uniform: the base area range is narrow, and most units sit at the top of it. Listings use the Four Winds name on its own, and the October 29, 2026 export carries Four Winds rows filed under the Oyster Bay development.
Shared features are not in the county roll, and this page does not take them from listing remarks, so it lists none for Four Winds or any other building. Ask the Four Winds association for its current list of common features and for any work it has planned.
The Granada, Chesapeake and Clam Court groups
These three groups each join more than one regime. The Granada group combines four regimes built over a few years at the turn of the 1970s, and its units fall in a tight base area band. The Chesapeake group combines four regimes with a wider range of unit sizes, and its newest regime came about a decade after its oldest. The Clam Court group pairs two regimes and shows the widest base area range of any group on the roll.
Each regime keeps its own association, declaration and budget, so two units in the same building group can carry different rules. Before you compare documents, ask which regime a unit belongs to.
Smaller buildings
Six groups are single regimes of a few dozen units or fewer: Cherrystone Court, Sea Eagle Club, Escondido Marina, Beachwood, Villa Ensenada and Oyster Bay Manor. Villa Ensenada is the newest condominium in the set and carries the largest median base area of any group. Escondido Marina is the name of a condominium regime, not a public marina.
With so few units, one sale can swing a small building's figures, so read these rows for scale rather than trend.
What is near Oyster Bay in Naples, and how far is it?
Downtown Naples is the shortest trip in the route table: Fifth Avenue South is about 1.6 free-flow route miles from the centre of Oyster Bay. The Naples Pier and Naples Airport are each about 2.7, and Southwest Florida International Airport is about 36.0 free-flow route miles from the centre of Oyster Bay.
The route table
Every row below is a free-flow road figure from the Domain Realty Group route table, run on November 4, 2026 from one point at the centre of the Oyster Bay parcel footprints.
| Place | Free-flow route miles | Note |
|---|---|---|
| Fifth Avenue South, downtown Naples | 1.6 | the road route goes around Naples Bay |
| NCH Baker Hospital, downtown Naples | 2.4 | hospital campus |
| Naples Pier, 12th Avenue South | 2.7 | closed for a rebuild, return expected in summer 2027 (Gulfshore Business, January 6, 2026) |
| Naples Airport (APF) | 2.7 | public airport |
| Third Street South, Old Naples | 2.9 | the road route goes around Naples Bay |
| Publix, 3815 Tamiami Trail East | 3.0 | grocery |
| Lowdermilk Park, 1301 Gulf Shore Blvd N | 3.7 | public beach park |
| Bayview Park boat ramp, 1500 Danford Street | 4.3 | area boating context |
| Southwest Florida International Airport (RSW) | 36.0 | regional airport |
| I-75 on-ramp at exit 105 | 6.1 | table only: the first I-75 ramp on the free-flow path toward RSW |
Free-flow means no traffic and no signal delay. Real trips run longer in season and at rush hour, with the signals on Tamiami Trail East, Davis Boulevard and Airport-Pulling Road adding time.
Downtown Naples and the road around the bay
The road route to Fifth Avenue South and Third Street South goes around Naples Bay, so those route miles run longer than the distance across the water.
Fifth Avenue South is about 1.6 free-flow route miles from the centre of Oyster Bay, and Third Street South in Old Naples is about 2.9. The road path heads north by Sandpiper St to Davis Boulevard and crosses to Fifth Avenue South at the head of the bay. The Third Street South point snaps to a service way near 14th Avenue South, so treat that figure as approximate. The Fifth Avenue South district lists Evening on Fifth nights for November 12 and December 10, 2026.
NCH Baker Hospital, on the downtown side, is about 2.4 free-flow route miles from the centre of Oyster Bay. Physicians Regional runs an East Naples urgent care on Thomasson Dr with posted daily hours of 7 a.m. to 7 p.m.; it has no row in the route table, so this page gives it no distance.
Publix on Tamiami Trail East is about 3.0 free-flow route miles from the centre of Oyster Bay in the Domain Realty Group route table.
East of Oyster Bay, the Bayshore Arts District on Bayshore Drive holds galleries and independent restaurants and runs First Fridays and Second Saturdays, and Naples Botanical Garden sits on Bayshore Drive as well. Neither has a row in the route table.
Beaches and the Naples Pier
Naples Pier is closed for a rebuild, with its return expected in summer 2027, Gulfshore Business reported on January 6, 2026.
The pier row is about 2.7 free-flow route miles from the centre of Oyster Bay, and the Naples visitor bureau says the beach at the foot of 12th Avenue South stays open during the work. Oyster Bay sits on the east side of Naples Bay, so each Gulf beach on this page is a drive across to the west side of the city.
Lowdermilk Park on Gulf Shore Blvd N is about 3.7 free-flow route miles from the centre of Oyster Bay. The visitor bureau lists restrooms, showers, a concession stand, beach rentals, sand volleyball courts and a playground there, with metered parking or a City of Naples beach parking permit.
Boat ramps and marinas in the area
The City of Naples says the East Naples Bay Special Taxing District covers the waterfront subdivisions of Golden Shores, Oyster Bay and Royal Harbor, for canal water quality, navigability and maintenance dredging.
The boating places below are area facts; none of them is in Oyster Bay. Bayview Park on Danford Street, a Collier County park with a public boat ramp on Naples Bay, is about 4.3 free-flow route miles from the centre of Oyster Bay. That figure runs to the park's street address, and the ramp count, trailer spaces and fees were not on the pages we read, so confirm them with the county before you tow a boat there.
Naples Boat Club on 10th Street South lists dry rack boat storage and in-water berths. Hamilton Harbor Yacht Club on Hamilton Ave lists boat storage and a public fuel dock, and the Naples City Dock on 12th Ave S offers fuel, pump-out and transient dockage. Port-O-Call Marina is home to the Naples Princess, which runs sightseeing and dinner cruises on Naples Bay. None has a row in the route table, so call ahead.
Posted signs on Naples Bay set the boating speed rules. This page makes no claim about water access, water depth or docking at any single home or building, so check those parcel by parcel with a survey and the seller's records before you buy.
How were distances from Oyster Bay measured?
Every prose distance on this page is a free-flow road figure from one centre point, measured by a public routing service with no traffic or signals. The I-75 row counts only to the first on-ramp, and the peer table later on uses straight-line miles, which this page never mixes with route miles.
Free-flow route miles
A route mile follows the road network, not a straight line. The route table asks a public routing service for the fastest path from the centre point to each destination's street address and reports the distance with no traffic, signals or season. Each destination point is checked against the address queried, and a point in the wrong ZIP or outside Collier and Lee counties is dropped; no row was dropped on this run.
Where the centre point sits
The centre is the middle of a box drawn around 89 parcel footprints on the five plats and the 19 condominium regimes, at 26.13453, -81.78561. The footprint is only a few tenths of a mile across, so a home at its edge can sit a few tenths of a mile nearer to or farther from a destination than the table shows.
Use the table to compare one trip with another, then map the route from the address you are weighing. If you are looking at homes in more than one part of the city, the same method on our other neighborhood pages keeps the comparison even; our Naples communities page lists them.
The I-75 row
The I-75 row works differently from the rest. The routing service was asked for the fastest free-flow path toward Southwest Florida International Airport with step detail turned on, and the step distances were summed up to the first ramp that merges onto I-75, at exit 105. That figure prints in the route table only.
The path leaves Oyster Bay by Clam Ct, Blue Point Ave and Sandpiper St to Davis Boulevard, then runs by Airport-Pulling Road, Radio Road and Livingston Road to the interchange.
Straight-line miles in the peer table
The peer table in the comparison section measures straight-line miles from the same centre point to each peer neighborhood. A straight line ignores roads and water, so on this side of Naples Bay it reads shorter than the drive, as the two downtown rows above show.
Those miles describe where each peer sits on a map. They are not route miles, and this page never adds them to the route table or quotes them as a drive.
Which schools does the district list for an address in Oyster Bay?
Collier County Public Schools assigns schools by address, and the lookup this page carries covers two Oyster Bay streets only. The school names, the date of that lookup and the streets it left out are below, and the district's own address tool is the place to confirm any single home.
The carried school lookup
Lake Park Elementary, Gulfview Middle and Naples High were the assigned schools for Sandpiper St and Chesapeake Ave addresses in a district lookup carried from September 26, 2026.
That lookup was run for a neighboring page, for the 2026 to 27 school year, and covered addresses on those two streets. It was not repeated for this page, as our research tools do not query the district's address service.
Confirming by address
Jewel Box Ave and the condominium streets were not in that lookup, so confirm the assigned schools for any address with Collier County Public Schools.
The district's address tool takes a street address and returns the assigned elementary, middle and high schools for the coming year. Run it for the exact address, and run it again before closing if a new school year begins in between, since assignment lines can move from one year to the next.
School choice in Collier County
Assignment and attendance are separate questions. This page covers only the assigned schools from the carried lookup; it does not cover transfer requests, magnet or program seats, or charter and private options in Naples.
Ask Collier County Public Schools directly about attending a school other than the assigned one, including the dates and rules for the coming year.
What we do not print
This page prints school names with their lookup date and nothing more. It gives no school grades, rankings, ratings or test scores, and no distance from Oyster Bay to any school, since the route table has no school rows.
For help with a particular address, reach our team here, and one of our Naples agents will walk through the district lookup with you.
Does Oyster Bay in Naples have an HOA, and what does it cost?
The answer splits by product. Every condominium building in Oyster Bay belongs to a condominium association, and none of those associations posts its dues on a public page. The plat single-family lots carry no recorded homeowners' association dues in the records we read. Ownership costs therefore start with the tax bill and, for a condominium unit, the association budget.
Condominium associations in the state file
Each of the 19 condominium regimes in Oyster Bay has its own association in the state condominium file dated October 17, 2026, and Chesapeake Manor I and II share one of its 18 records. That file is the Florida list of condominiums on record, and it gives each regime a name, a unit count and a recording date. Its unit counts add to the same 266 condominium units the county roll shows for this page, so the two sources agree on the size of the condominium side.
Recording dates in the state file run from 1970 to 1990 for eighteen regimes, plus one regime recorded in 2007, Villa Ensenada with 9 units. The largest regime by far is Four Winds, with 63 units. The smallest has 3 units. Most regimes in between hold a dozen units or fewer, which means each association spreads its building costs over a short list of owners.
Separate associations mean separate budgets, separate insurance programs and separate rules. Two buildings on the same street can carry very different costs and very different rental or pet language in their documents. A buyer comparing two units in Oyster Bay is comparing two associations as much as two floor plans, and the documents are where the difference shows.
We print no manager or agent names here. The state file lists a managing entity of record for each regime, but those entries can lag a change in management, and the estoppel request is the place to confirm who answers for the association today.
Dues are not published online
The condominium associations do not publish dues online, so ask the seller for the estoppel certificate and the association's current budget. We searched for an association website for each of the 19 regimes on November 4, 2026 and found no page that posts dues. A fee quoted on a listing site is a lead, not a figure we print, and listing pages often disagree with each other on the amount and on how often it is billed.
What the association budget covers matters as much as the total. In Florida condominiums, the master insurance policy on the building is paid inside the association assessment, and reserves, grounds, water and trash may be inside it too. Read the budget line by line, then compare it with the latest annual financial statement in the resale packet so the reserve balance and the insurance line make sense together.
Ask whether any special assessment has been voted, proposed or discussed at a recent board meeting. Board meeting records from the past year show what is coming before it reaches the budget, and a special assessment can be larger than a full year of regular dues.
MLS fee fields by building group, October 29, 2026 export
The table below reads one MLS field, Total Annual Recurring Fees, as listing agents entered it on condominium rows in the October 29, 2026 export. It is a listing field, not an association figure. Sea Eagle Club has no line, since its one row left the field blank, and groups with a single row show that row only.
| MLS listing fields, October 29, 2026 | Rows | Median annual recurring fees | Range |
|---|---|---|---|
| MLS Four Winds | 4 | $10,762 | $10,364 to $11,656 |
| MLS Blue Point group | 1 | one row | $12,536 |
| MLS Granada group | 4 | $8,920 | $8,800 to $9,884 |
| MLS Clam Court group | 2 | $11,956 | $11,928 to $11,984 |
| MLS Chesapeake group | 6 | $10,780 | $10,180 to $20,000 |
| MLS Cherrystone Court | 2 | $8,940 | $8,940 |
| MLS Escondido Marina | 3 | $11,520 | $11,400 to $11,520 |
| MLS Beachwood | 1 | one row | $12,180 |
| MLS Villa Ensenada | 1 | one row | $20,000 |
| MLS Oyster Bay Manor | 1 | one row | $12,000 |
Read each row as what agents typed, on the date of the export. A building group can hold more than one association, so one row may describe a different regime than the unit you are looking at. The estoppel certificate for the unit itself replaces every figure in this table at closing.
The plat lots
In the records we checked, the plat lots show no recorded homeowners' association dues. The 41 plat single-family homes, the small multi-family buildings and the vacant lots still pay the City of Naples tax lines, and most of them pay the East Naples Bay Special Taxing District levy as part of the county bill, covered in the tax section below.
A title search is where any recorded restriction on a plat lot would appear, so ask the title agent to report recorded covenants with the commitment. We found no community development district for Oyster Bay. Water, sewer, stormwater and solid waste charges from the City arrive on the City utility bill, not as lines on the county tax bill.
What rules and Florida laws apply when you buy in Oyster Bay?
Florida's condominium statute, Chapter 718, governs every condominium resale in Oyster Bay, from the documents a seller hands over to the cancellation window and the estoppel certificate. Plat single-family homes follow City of Naples rules and the recorded plat. Rental limits come from the City and, for a condominium unit, from that building's own declaration.
The condominium resale window
For a condominium resale in Oyster Bay, s. 718.503(2) lets a buyer who did not receive the association documents more than 7 days before signing cancel in writing within 7 days after signing and receipt, excluding weekends and legal holidays, and the right ends at closing. The clock is counted in business days, so a contract signed on a Thursday runs longer than the plain calendar suggests.
The packet a condominium seller delivers under s. 718.503(2) includes the declaration, the articles, the bylaws, the rules, the latest annual financial statement and budget, the frequently asked questions sheet and the governance form. Ask for every item in one delivery, keep the date it arrived, and read the rules sheet first, since rentals, pets and vehicles usually sit there.
Condominium contracts signed after December 31, 2024 add a second cancellation right under s. 718.503(2)(e), linked to the milestone summary, the turnover inspection report and the structural integrity reserve study, or the association's written statement in place of them.
Estoppel certificates
A condominium estoppel certificate under s. 718.116 states what the unit owes the association, and Florida law caps its fee. The certificate lists the regular assessment, its billing cycle, any special assessment that has been voted and any unpaid balance on the unit. The title agent orders it, and the closing figures rely on it.
Order the estoppel certificate early. It is the only document in a condominium file that states the current assessment for one unit with a date on it, and it often names who to contact at the association. If the figure differs from what the listing said, the certificate controls. Compare its special assessment lines with the board meeting records in the resale packet.
Florida's condominium website rule under s. 718.111(12)(g) reaches condominium associations of 25 or more units. Four Winds, with 63 units on the 2026 roll, is the one Oyster Bay regime at that size. We did not find a public Four Winds association website in a November 4, 2026 search, which may mean its records sit behind a sign-in, and we make no claim either way.
SIRS and milestone inspections
Florida's SIRS and milestone inspection rules reach condominium buildings of three habitable stories or more, and the story count of each Oyster Bay building is not confirmed in the sources we checked. SIRS stands for structural integrity reserve study, a review of the major building parts a condominium association funds over time, set on a ten-year cycle in s. 718.112(2)(g).
Ask the seller for the association's written SIRS statement, which says either that a study exists or that the association has none. For the milestone side, ask for any milestone summary the association holds. Listing remarks that describe a building's reserve study status are seller claims; the association's own statement is the document to rely on.
The answers matter for cost as well as condition. A reserve study can change the reserve line in the budget, and a milestone report can lead to repair work funded by a special assessment. Read both with the budget and the board meeting records before the cancellation window closes.
City of Naples rental rules
The City of Naples code compliance page sets a 30-day minimum stay for residential rentals, with three shorter rentals a year allowed. That City floor reaches every plat single-family home and every condominium unit in Oyster Bay. In a November 4, 2026 search we found no Oyster Bay association that posts its lease rules on a public page.
A condominium declaration can be stricter than the City floor, with a longer minimum lease, a cap on leases per year or board approval of each tenant. Read the declaration and rules in the resale packet before you plan on leasing a unit, and ask the association how long a lease approval takes. For a plat single-family home, the City rule and any recorded plat restriction are the two places to check.
What are property taxes in Oyster Bay, Naples, with worked examples?
Oyster Bay sits in two City of Naples millage areas on the 2026 county roll, so no single tax rate covers it. Area 176 includes the East Naples Bay Special Taxing District levy, and area 4 does not. A buyer's bill depends on the parcel's area, the appraiser's taxable value and any homestead exemption.
Two millage areas
The 2026 roll puts 329 parcels in millage area 176 at 9.4752 mills, including the 0.5000 East Naples Bay Special Taxing District levy, and the rest in millage area 4 at 8.9752 mills; the roll does not carry the district levy on seven Sandpiper St parcels. The roll does not say why those seven parcels sit outside the district, and we have not confirmed the reason.
A mill is one dollar of tax for every $1,000 of taxable value. The district line in area 176 is the half mill that funds dredging and water quality work in the district, and the City ordinance caps it at one half mill. Every other line on the bill is the same in both areas, so the gap between the two totals is the district levy alone.
Check the millage area on the property appraiser's record for the exact parcel before you estimate a bill. Two lots on the same street can sit in different areas, and the area number prints on the parcel's tax roll entry.
Millage lines by area
| County 2026 millage line | Area 176 (329 parcels) | Area 4 (7 Sandpiper St parcels) |
|---|---|---|
| County line: Big Cypress Basin | 0.0978 | 0.0978 |
| County line: Collier County water pollution control program | 0.0246 | 0.0246 |
| County line: Collier Mosquito Control | 0.1331 | 0.1331 |
| County line: Conservation Collier | 0.1772 | 0.1772 |
| County line: East Naples Bay Special Taxing District | 0.5000 | not on the roll |
| County line: Collier County general fund | 3.0107 | 3.0107 |
| County line: City of Naples general fund | 1.2900 | 1.2900 |
| County line: School board, local levy | 2.2480 | 2.2480 |
| County line: School board, state levy | 1.8990 | 1.8990 |
| County line: South Florida water management fund | 0.0948 | 0.0948 |
| County millage, all lines | 9.4752 | 8.9752 |
Together, the two school board lines are the largest share of either total, followed by the Collier County general fund and then the City of Naples line. The remaining small lines fund water management, mosquito control and land conservation across the county.
Worked tax rows at county medians
The worked rows below apply each millage area to the county twelve-month medians, $3,800,000 for a plat single-family home and $465,000 for a condominium unit; they are arithmetic only, and the appraiser sets taxable value.
| County example | Price | Millage area | Mills | No exemption | With homestead |
|---|---|---|---|---|---|
| County T12 plat single-family median | $3,800,000 | 176 | 9.4752 | $36,005.76 | $35,628.16 |
| County T12 plat single-family median | $3,800,000 | 4 | 8.9752 | $34,105.76 | $33,753.86 |
| County T12 condominium median | $465,000 | 176 | 9.4752 | $4,405.97 | $4,028.36 |
The first column of figures treats the price as taxable value with no exemption. The homestead column takes Florida's homestead exemption off taxable value, with the second part of that exemption kept off the school levies as state law sets it. Both columns cover ad valorem tax only; the roll shows no non-ad valorem line for these parcels, and City utility charges are billed separately.
Taxable value is set by the property appraiser each year and rarely equals a sale price in the first year. Treat the rows as a starting point, then ask the closing agent for the prorated tax figure on the settlement statement.
Median tax bills by product
The median 2026 county tax bill is $12,647.13 for the plat single-family homes; for the condominium units it is $3,697.23. Those medians sit well below the worked rows, and ownership history is one reason. Florida's Save Our Homes cap limits yearly growth in assessed value on a homestead, so long-held homes carry lower bills.
On the 2026 roll, 24 of the 41 plat single-family homes and 85 of the 266 condominium units carry a homestead exemption. A buyer's assessed value resets toward market value in the year after a purchase, so the current owner's bill is a poor guide to the next owner's bill. Budget from the worked rows, not from the seller's last bill.
Is Oyster Bay in Naples in a flood zone?
Yes, flood mapping reaches Oyster Bay, but no single flood zone describes the whole neighborhood. One address has a carried FEMA map check, and every other lot is mapped on its own. The City of Naples sets its own building height rule above the federal map, and its community rating lowers standard flood premiums.
Flood zones by address
A FEMA map point check carried from October 21, 2026 found Zone AE with a base flood elevation of 9 feet at one checked single-family address on Jewel Box Ave; zones and elevations can differ from lot to lot, so check each address on the FEMA map and with an elevation certificate. That check is the only measured flood point in our research for the 336 parcels on this page.
The flood map now in force for coastal Collier County took effect on February 8, 2024. A preliminary update was released on March 20, 2025, its appeal window opened on August 19, 2026, and the target for the new map to take effect is summer 2027. A lot's mapping can change when the new map takes effect, so check the current and the preliminary map for the same address.
A lender making a federally backed or regulated mortgage on a building in a special flood hazard area asks for flood insurance. Florida's s. 689.302 has the seller disclose known flood damage, flood insurance claims and federal flood aid, so read that disclosure alongside the map check.
The City design flood elevation
The City of Naples sets its design flood elevation at the base flood elevation plus 1 foot. That figure governs the lowest floor of a new house, or of an older house that is substantially improved or substantially damaged. Each lot has its own design flood elevation, set on the building permit and shown on the elevation survey.
For a plat single-family buyer, the design figure shapes any plan to renovate, enlarge or rebuild. For a condominium buyer, it reaches the building as a whole, and decisions about the structure sit with the association rather than one unit owner. Ask the seller of a single-family home for the current survey with the lowest floor reading.
Community Rating System
The City of Naples is a Class 5 community in FEMA's Community Rating System (CRS), worth up to 25 percent off standard flood insurance premiums, according to the City's flood insurance page. The City has taken part in the National Flood Insurance Program since 1971, and its class reflects the floodplain work the City does beyond the federal minimum.
Every one of the 336 parcels on this page sits in a City of Naples millage area, so the City's class covers each of them. The rating lowers premiums on National Flood Insurance Program policies; a private flood carrier sets its own price. When you compare quotes, ask the agent to show the community rating on the federal quote so the two policies line up.
The 50 percent rule
In the City of Naples, work or damage costing 50 percent or more of a structure's market value triggers full flood-code compliance, tested permit by permit since December 4, 2024, according to the City's floodplain pages. Before that date, the City added up permits over one year. Ordinance 2024-15508 ended that look-back, so each permit now stands alone.
The value used is the structure's value, not the land. The City accepts the county's assessed structure value or a recent owner's appraisal of depreciated replacement cost within the City's date limit. On an older plat house, a large renovation can cross the line sooner than an owner expects, and crossing it brings the lowest floor up to the design flood elevation.
For a condominium, the structure in the test is the building, so a storm repair or a major renovation is an association decision. Ask the association whether any substantial damage review followed the storms of 2022 and 2024.
How do storms and insurance work for a home in Oyster Bay?
Storm records for Oyster Bay are area records from gauges in Naples Bay, not readings at any building. Insurance splits by product: a plat single-family owner insures the whole house, while a condominium owner insures the unit interior and pays for the building's master policy through the association budget. Evacuation zones are set by address.
Area storm gauges
Area gauges on Naples Bay recorded Hurricane Ian at 7.10 feet, Hurricane Helene at 4.71 feet and Hurricane Milton at 5.77 feet NAVD88; these are area readings, not readings for any Oyster Bay building. The Ian reading dates to September 28, 2022, and the Helene and Milton readings to September 26 and October 9, 2024, two storms in the same season.
Gauge readings are still-water levels in the bay. Ground and floor heights in Oyster Bay are not measured in any source we reached, so no depth at a street or a building can be worked out from these numbers. We found no news report naming an Oyster Bay street in a storm report, and we draw no conclusion from that silence.
Evacuation zones by address
Collier County calls evacuations by zone before a storm, and an evacuation zone is set by storm surge risk, separate from the FEMA flood map. We do not print an evacuation zone for Oyster Bay. Look up each address on the state Know Your Zone tool before every hurricane season, and keep that zone with the closing file.
The flood map and the evacuation map answer different questions. The flood map prices insurance and sets building heights; the evacuation zone tells you when to leave. A lot can sit in one kind of area on one map and a different kind on the other, so check both for the same address.
Insurance questions to ask
For a plat single-family home, the owner buys a homeowners policy, wind coverage and a separate flood policy for the whole house. Homeowners and condominium unit policies leave out flood, so flood is always its own policy, federal or private. The federal policy caps building coverage at $250,000, well under the county sale prices of the plat single-family homes, and many owners add excess flood cover.
Citizens Property Insurance does not write a dwelling with a replacement cost of $700,000 or more, so wind coverage on a large Oyster Bay house usually comes from the private market. Ask for a wind mitigation report on any older house; credits for roof shape, roof attachment and opening protection can change the premium. Florida law bars a refusal to renew based solely on a roof under 15 years old.
For a condominium unit, the owner buys an HO-6 policy for the interior, contents, liability and loss assessment, and the association insures the building. Ask the association for the master policy declarations page, the wind deductible, any flood policy on the building, and how a hurricane deductible would be shared among owners. Loss assessment coverage on the HO-6 pays the owner's share of a covered association bill.
Renewal increases on a federal flood policy for a primary residence are capped at 18 percent a year. A favorable elevation certificate can lower a federal premium, so ask the seller for one before you request quotes, and request quotes before the inspection period ends.
Older condominium buildings
The county roll dates the buildings holding 254 of the 266 condominium units to 1980 or earlier. Club at Blue Point I, from 1990, and Villa Ensenada, from 2007, are the two newer regimes. None of the older buildings dates from the early 2000s or later, the construction window that earns Florida's automatic code-era wind credit.
Older buildings put weight on the roof date, window and door protection and the wind deductible on each master policy, and those costs reach owners through the association budget. Ask for the roof permit date, the latest budget's insurance line, any special assessment voted since 2022, and the association's SIRS statement, and read them together.
None of this describes the condition of any one building. It is a list of documents, and the association that keeps them answers for each one.
What is new around Oyster Bay in Naples in 2026?
Four dated items shape the area this year: the district budget that pays for canal upkeep, the long dredge and rock removal project, the Naples Pier rebuild across the bay, and new airline service at Naples Airport. Each is reported by a named source, and none is a claim about one Oyster Bay home.
The district budget
The East Naples Bay Special Taxing District set a FY2026-27 budget of $400,015 at 0.5000 mills, Gulfshore Business reported on September 17, 2026. The prior year's district budget was $406,200, carried in our research from the same City budget cycle. The rate stayed at the half mill cap, so the levy moves with taxable values rather than with a rate change.
The district was created by referendum in 1987 under City Ordinance 87-5330. It is a dependent district, so the City Council governs it, and the East Naples Bay Citizens Advisory Committee meets on the second Monday of each month. Agendas for that committee show what dredging and water quality work is planned next.
The canal dredge project
Work on the district's waterways has run as a City project planned for 2020 through 2026, the East Naples Bay dredge and rock removal project. The project's contractor lists about 1,000 cubic yards of sediment and about 3,000 cubic yards of rock, with vibration monitors placed in backyards during rock removal and sonar surveys used to confirm finished reaches.
A City map dated December 12, 2025 showed the last active reach north of Curlew Ave, and a February 2026 update estimated completion in spring 2026. We have not confirmed that the work is finished. Hurricane Ian added about a million dollars to the dredging cost, according to the project record carried in our research.
For the current status of the reach behind a given address, ask the City project office.
Naples Pier rebuild
Across Naples Bay, the Naples Pier at 12th Avenue South is about 2.7 free-flow route miles from the centre of Oyster Bay. Gulfshore Business reported that construction began the week of January 5, 2026, as an estimated 18-month rebuilding effort. The Naples visitor bureau says the beach at the foot of 12th Avenue South stays open during the work.
Naples Airport service
American Airlines service from Naples Airport to Charlotte starts December 2, Business Observer reported on October 14, 2026. The same report described two daily flights on a 65-seat regional jet. Naples Airport is about 2.7 free-flow route miles from the centre of Oyster Bay, and it remains mainly a general aviation field.
To see what is listed now, browse current Naples listings, compare other Naples communities, or contact our team for the association documents on a unit. Our agents can pull the estoppel request and the tax record for a specific address, and owners can request a home valuation.
How is Oyster Bay in Naples different from look-alike names?
Oyster Bay in Naples, FL 34102 is easy to confuse with neighbors that share its canal district, with similar names elsewhere and with MLS labels that file some of its addresses under other development names. This section sorts those mix-ups out so the county and MLS figures on this page stay tied to the right parcels.
Neighbors that share the taxing district
Royal Harbor and Golden Shores are separate neighborhoods that share the East Naples Bay Special Taxing District with Oyster Bay, and their figures never stand in for Oyster Bay's. Golden Shores sits beside the Oyster Bay plats on its own separate plat, and it has no page of its own on this site. Royal Harbor, the neighbor to the south, has its own Domain Realty Group page with its own county counts.
Other places with the same name
The words Oyster Bay turn up as place names in other states and on developments elsewhere, so a web search on the name alone can return homes far from Naples. None of them are part of this page. Every figure here belongs to the five Oyster Bay plats and the 19 condominium regimes in ZIP 34102, inside the City of Naples.
MLS names that differ
The MLS does not use one label for every unit in Oyster Bay. Plat homes carry the development name OYSTER BAY, while condominium listings usually show a building name in the subdivision field, such as Four Winds, Escondido Marina, Chesapeake Manor, Chesapeake Landings, Chesapeake Point, Clam Court, Beachwood Club, Sea Eagle Club or Villa Ensenada. Four addresses in this page's county set were filed under a Royal Harbor development name in the October 29, 2026 export, not under Oyster Bay. A search on one label alone can miss a unit, so ask us to run the building names too.
Streets shared with neighbors
A street name does not prove that an address is in Oyster Bay. Sandpiper St and Chesapeake Ave also carry addresses in Royal Harbor, a separate neighbor, and the state condominium file lists small condominiums outside this set on Chesapeake Ave, Blue Point Ave and Cherrystone Ct. The reliable test is the plat or the condominium regime on the county parcel record, which we check for every address before quoting a figure.
How do Oyster Bay prices compare with nearby Naples neighborhoods?
The county peer table below sets Oyster Bay's two products beside seven Naples neighborhoods with their own pages on this site, using the same county deed window, September 2025 through August 2026. Plat single-family homes are compared only with single-family rows, and condominium units only with condominium rows, so the two products never mix.
County peer table by product
| Community | Product | Straight-line miles | Homes | T12 deeds | T12 median |
|---|---|---|---|---|---|
| County peer Royal Harbor | Single-family | 0.74 | 390 | 16 | $3,425,000 |
| County peer Aqualane Shores | Single-family | 0.97 | 326 | 20 | $10,050,000 |
| County peer Port Royal | Single-family | 1.95 | 511 | 25 | $18,000,000 |
| County peer Lake Park | Single-family | 1.96 | 110 | 3 | $2,250,000 |
| County peer Coquina Sands | Single-family | 2.34 | 252 | 8 | $6,912,500 |
| County peer Moorings | Single-family | 3.27 | 795 | 49 | $5,050,000 |
| County peer Park Shore | Single-family | 4.74 | 573 | 43 | $5,229,400 |
| County peer Lake Park condominiums | Condominium | 1.96 | 18 | 1 | $440,000 |
| County peer Coquina Sands condominiums | Condominium | 2.34 | 265 | 19 | $630,000 |
| County peer Moorings condominiums | Condominium | 3.27 | 1830 | 74 | $601,450 |
| County peer Park Shore condominiums | Condominium | 4.74 | 3689 | 197 | $1,300,000 |
The peer table lists county figures for neighborhoods with their own Domain Realty Group pages, with straight-line miles from the centre of Oyster Bay, and it does not rank them. Oyster Bay's own county deeds for the same window, 3 plat single-family sales at a median of $3,800,000, sit in the opening section of this page.
Peer pages on this site
Two of the peers have a page we link from here: Aqualane Shores homes for sale across Naples Bay, and the separate Royal Harbor page linked above. Port Royal, Lake Park, Coquina Sands, Moorings and Park Shore each have a Domain Realty Group page too, reachable from the Naples communities list in the About block below.
How the peers were chosen
A neighborhood made the table only if it has a live page on this site and a clean set of county plats. Golden Shores has no page here, so it is not a peer. Distances run in a straight line between the centre of each neighborhood's parcel footprint and the centre of Oyster Bay, which is a different measure from the route miles used elsewhere on this page. Condominium rows count units whose building footprint sits inside the peer's plat outline.
Reading the peer table
Treat the table as context for a conversation, not as an appraisal. Several peers hold far more homes and far more deeds than Oyster Bay, so their medians rest on deeper samples. The Moorings and Park Shore condominium rows each hold more than a thousand units across many buildings, so their medians mix a wide range of building types. Lake Park recorded a single condominium deed in the window. A price for any one address still comes from that address's own records.
How do you buy a home in Oyster Bay, Naples, step by step?
Buying in Oyster Bay runs in four moves: pick the product and set the search by label and building, gather the condominium records early, check flood and insurance for the exact address, and close with the county parcel number confirmed. Each step below lists what we pull and what to ask the seller.
Set the search
Decide first between a plat single-family home and a condominium unit, since the two sit in different price bands and carry different paperwork. Then search the MLS development label and the building names together, and add the Royal Harbor filings we flag, which sit inside this page's set but not under its label. We set up the saved search for you, check every result against the county parcel list, and drop any address outside the five plats and the 19 regimes.
Ask for the condominium documents
For a condominium unit, ask early for the declaration, bylaws, rules, the current budget, the latest financial statement and any inspection reports the association holds. Florida's condominium resale rules under Chapter 718 give the buyer a set review period once those papers arrive, and the association can issue an estoppel certificate showing what the unit owes. We read the packet with you before the review period runs out.
Check flood and insurance by address
Flood details change from lot to lot in Oyster Bay, so pull the FEMA map for the exact address and ask the seller for any elevation survey on file. Ask for the current wind and flood policy declarations and claim history. For a condominium, get the master policy summary from the association and price your own unit policy against it before the inspection period ends.
Close with the right records
Before closing, confirm the county parcel number, the legal description and the millage area on the tax record, since seven Sandpiper St parcels sit in a different millage area from the rest. Order a lien search and a survey for a plat home, and the estoppel certificate for a condominium unit.
Frequently Asked Questions about Oyster Bay homes for sale in Naples
How many homes are in Oyster Bay in Naples?
The 2026 county roll holds 336 parcels across the five Oyster Bay plats and the 19 condominium regimes. On the plats there are 41 single-family homes, and the condominium regimes hold 266 units. Small multi-family buildings and vacant lots appear on the plats too, and this page keeps them on their own lines.
Are there homes for sale in Oyster Bay right now?
The October 29, 2026 MLS export showed 4 active plat single-family listings and 11 active condominium listings filed under Oyster Bay or its building names. Listings change daily, so use the live search on this page, and remember that a few Oyster Bay addresses are filed under a Royal Harbor development name, not under Oyster Bay.
What do single-family homes in Oyster Bay sell for in county records?
County deeds from September 2025 through August 2026 record three plat single-family sales, with a median of $3,800,000 for that twelve-month county window. The prior twelve months held two county deeds at $4,500,000 and $10,675,000. With so few deeds, each sale moves the median, so read the single-family figures as a short list, not a trend line.
What do Oyster Bay condominium units sell for in county records?
For condominium units, county deeds from September 2025 through August 2026 show 13 sales at a median of $465,000. Over the longer county window of September 2021 through August 2026, the median for condominium deeds is $502,500. Prices vary by building group, and the per-building county figures sit in the tables higher on this page.
What does the MLS show for Oyster Bay condominium sales?
In the October 29, 2026 MLS export, condominium units in Oyster Bay show 14 closings over that export's twelve-month window, with a median closing price of $457,500. The same MLS export carried 11 active condominium listings and one pending. Those MLS figures use a different window and a different label set from the county figures.
Why do county and MLS figures for Oyster Bay differ?
The county counts recorded deeds by parcel for full calendar months ending in August 2026, while the MLS counts closings reported by agents in the twelve months before October 29, 2026. Some sales appear in only one of the two, some units are filed under other MLS names, and the windows end on different dates.
Is Oyster Bay inside the City of Naples?
Yes. Every parcel in this page's Oyster Bay set falls inside the City of Naples, on the east side of Naples Bay, and each one carries City of Naples millage on the 2026 county roll. That means City building, flood and rental rules apply, along with Collier County and school levies on the tax bill.
What ZIP code is Oyster Bay in?
Most Oyster Bay addresses carry ZIP code 34102 on the county roll and in the MLS. A few Sandpiper St parcels carry 34112 as their site ZIP on the 2026 roll, a postal label that does not move them out of the City of Naples. Confirm the ZIP on the deed and the tax record.
Which condominium buildings are in Oyster Bay?
The 266 condominium units sit in 19 regimes that this page groups into 11 building groups: Four Winds, the Blue Point group, the Granada group, the Clam Court group, the Chesapeake group, Cherrystone Court, Sea Eagle Club, Escondido Marina, Beachwood, Villa Ensenada and Oyster Bay Manor. Four Winds is the largest group by units.
When were Oyster Bay homes built?
On the county roll, the plat single-family homes date from 1960 to 2026, with a median year of 1991. The condominium units are older as a group, dated from 1968 to 2007 with a median year of 1975. Several plat homes carry a residence row from 2020 or later, listed in the build section above.
How large are Oyster Bay homes on the county roll?
The county measures base area, the main living space, rather than total floor area. On that measure the plat single-family homes have a median of 2,080 sq ft. The condominium units have a median of 1,108 sq ft, with the largest units in Villa Ensenada and the Clam Court group, shown in the building table.
Do the condominium associations in Oyster Bay publish their dues?
No. None of the 19 condominium associations posts its dues on a public page that we found. Ask the seller for the association's current budget and an estoppel certificate, which together show the regular assessment and anything owed on the unit. MLS fee fields appear only in the dated table in the HOA section above.
Do the Oyster Bay plat lots pay homeowners' association dues?
The county and state records we reviewed show no recorded homeowners' association dues attached to the plat lots in Oyster Bay. Plat owners still pay the East Naples Bay Special Taxing District levy on their tax bill where the roll carries it. Ask the seller to confirm any voluntary group membership before closing.
What is the East Naples Bay Special Taxing District?
It is a City of Naples taxing district that funds canal water quality, navigability and maintenance dredging for Oyster Bay and two neighbors, Royal Harbor and Golden Shores, which stay separate neighborhoods. On the 2026 roll its levy is 0.5000 mills, collected on the county tax bill for parcels in millage area 176.
What are property taxes like in Oyster Bay?
Oyster Bay parcels sit in two millage areas on the 2026 county roll. Millage area 176 carries 9.4752 mills with the district levy included, and millage area 4, used for seven Sandpiper St parcels, carries 8.9752 mills. The median 2026 county tax bill differs by product, so check the worked rows in the tax section.
Why do some Sandpiper St parcels have a lower millage?
Seven Sandpiper St parcels sit in millage area 4 at 8.9752 mills rather than area 176, and the 2026 roll carries no East Naples Bay district line on them. They remain City of Naples parcels. Ask the tax collector or the City about the district boundary before you rely on the lower rate for one address.
Is Oyster Bay in a flood zone?
Flood zones in Oyster Bay are set address by address on the FEMA map, and they can differ from lot to lot. Pull the map for the exact address, ask the seller for an elevation certificate, and get a flood quote early. The flood section above gives the one carried map point check.
What flood insurance rating does the City of Naples carry?
The City of Naples takes part in FEMA's Community Rating System, which lowers standard flood insurance premiums for policies inside the city. The flood section above gives the City's current class and the reduction it lists. Your agent or carrier applies the credit to a specific policy, so ask for it on the quote.
What is the 50 percent rule in the City of Naples?
When improvement or repair work on a building costs 50 percent or more of its market value, the City of Naples treats the project as substantial and requires the whole structure to meet current flood rules. The City now tests that threshold permit by permit. Ask the seller for the permit history on any older plat home.
How long does a condominium buyer have to cancel a resale contract in Florida?
Under s. 718.503(2), a condominium resale buyer who did not get the association documents more than 7 days before signing may cancel in writing within 7 days after signing and receipt, excluding weekends and legal holidays. The right ends at closing. Ask for the documents before you sign to avoid a rushed review.
What is an estoppel certificate for an Oyster Bay condominium?
It is a statement from the condominium association, issued under s. 718.116, that shows the unit's regular assessments, any special assessments and any unpaid balance as of a set date. The title company orders it before closing. Florida law limits what the association may charge for it, and the buyer reads it with the budget.
What should a buyer ask about SIRS for an Oyster Bay condominium building?
Ask the association for its most recent structural integrity reserve study, the milestone inspection report if one exists, and the board records that discuss either. Compare the study's reserve schedule with the current budget. The story count of each Oyster Bay building is not confirmed in our sources, so ask the association how the state rules reach your building.
Which schools serve Oyster Bay addresses?
A district lookup carried from September 26, 2026 assigned Sandpiper St and Chesapeake Ave addresses to Lake Park Elementary, Gulfview Middle and Naples High. Jewel Box Ave and the condominium streets were not checked in that lookup. Confirm the assigned schools for your exact address with Collier County Public Schools before you write an offer.
How far is Oyster Bay from Fifth Avenue South?
Fifth Avenue South in downtown Naples is about 1.6 free-flow route miles from the centre of Oyster Bay. The drive loops north around Naples Bay instead of crossing it, so the road distance runs longer than the gap across the water. Third Street South is about 2.9 free-flow route miles from the centre of Oyster Bay.
How far is Oyster Bay from Southwest Florida International Airport?
Southwest Florida International Airport (RSW) is about 36.0 free-flow route miles from the centre of Oyster Bay, by way of Interstate 75 north. Naples Airport (APF), a public airport inside the city, is about 2.7 free-flow route miles from the centre of Oyster Bay. Check flight schedules with each airport.
Can I rent out an Oyster Bay home or condominium?
The City of Naples sets a 30-day minimum stay for rentals, with up to three shorter rentals a year. We found none of the 19 condominium associations publishing its lease rules online, and a declaration can be stricter than the City. Read the rules in the resale packet before you plan to lease a unit.
Is Oyster Bay separate from Royal Harbor?
Yes. Oyster Bay and Royal Harbor are separate neighborhoods on separate county plats, even though they share the East Naples Bay Special Taxing District and a few streets. This page counts only the five Oyster Bay plats and the 19 condominium regimes, and Royal Harbor figures never appear outside the peer table.
Why can an Oyster Bay listing appear under another MLS name?
Listing agents type the development and subdivision names into the MLS, so some Oyster Bay units show a building name and a few show a Royal Harbor development name, not Oyster Bay. The October 29, 2026 export had four such filings. We match every listing to its county parcel before counting it.
Are there new homes in Oyster Bay?
Five plat single-family homes carry a residence row from 2020 or later on the county roll, spread across Sandpiper St and Chesapeake Ave. Every condominium unit in the set dates from 2007 or earlier. Ask us for the permit record and the certificate of occupancy date on any recently rebuilt plat home you are weighing.
How do I start a home search in Oyster Bay?
Start with the live listing links on this page, then tell us whether you want a plat single-family home or a condominium unit and which buildings interest you. We set a saved search on the MLS label, the building names and the filings under other development names, and check each match against the county parcel list.
Ready to buy or sell in Oyster Bay?
Our Naples team works in Oyster Bay on both products: the plat single-family homes on Jewel Box Ave, Sandpiper St and Chesapeake Ave, and the condominium units from Four Winds to Villa Ensenada. Tell us which side of a sale you are on, and we will bring the county records and MLS history for your address.
Thinking of buying in Oyster Bay?
Open all Oyster Bay listings on the market for the full picture, or jump to the newest Oyster Bay listings to catch what came up this month. Then send our Naples team a note with your shortlist, and we will match each address to its plat or regime, request the condominium packet and pull the flood map before you tour.
Thinking of selling in Oyster Bay?
Request a home valuation for your Oyster Bay address, built from the county deeds and MLS closings for your product only. We line up the estoppel request, the condominium records and the Florida disclosures before the listing goes live, and we file the listing under the correct development and building names so buyers find it. For a seller's view, read McGreevy and Comisar's guide to Oyster Bay. Questions first? Reach our Naples office.
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About Domain Realty Group
Domain Realty Group works from three offices (Naples, Bonita Springs and Fort Myers) across Lee, Collier and Charlotte counties. Domain Realty Group has been the #1 team in Southwest Florida since 2012, with more than $2.5 billion in team production and more than 4,000 transactions. Our Naples team works with buyers and sellers across Oyster Bay, from the plat single-family streets around Jewel Box Ave to the condominium buildings on Blue Point Ave and Chesapeake Ave.
Jesse McGreevy and Marc Comisar lead the team, with over 45 years of combined direct experience. Our agent-partners are on our agents page, and about Domain Realty Group tells the rest. Domain Realty Group has been the number one team in Southwest Florida since 2012, and our Naples office on Galleria Court serves buyers and sellers across Naples, from East Naples to the city and North Naples.
Domain Realty Group
Naples office: 9180 Galleria Ct #200, Naples, FL 34109
Bonita Springs and Estero office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134
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Brokered by Domain Realty, a licensed Florida real estate brokerage. Florida Real Estate Commission (FREC) licensed. All agents are licensed Florida real estate professionals.
Where to go next: Naples homes for sale and communities, all Naples communities, current listings and about the team.
Data updated: November 2026.
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