Naples, FL · Golf & Country Club Communities

Valley Oak

Valley Oak is a residential community in Naples, Collier County, Southwest Florida.

Golf & Country Club Communitiessingle-familyLuxury · $900K+FEMA Zones X / AE · varies by lot

Market Snapshot

Valley Oak market data

Live from the MLS · updated continuously. See all 6 listings →

Active Listings
6
for sale now
Median List Price
$1,495,000
active inventory
Median $/Sq Ft
$573
list price ÷ sqft
Avg Days on Market
87
days listed
Price Range
$1,349,000-$3,995,000
low to high
Sold (90 days)
$1,597,500
4 closed · median
Homes Built
1988-2004
Typical Home
4 bed · 2,950 sq ft
Waterfront
17% of homes
Private Pool
100% of homes
Median sold price · Valley Oak
$1,597,500last 3 monthsnot enough sold data to compare

Figures reflect current active listings (and recent closed sales where available) tagged to Valley Oak. Medians are indicative, not an appraisal, ask Rick for a comparative market analysis on a specific home.

On the Map

Where Valley Oak sits

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Available Now

Homes for sale in Valley Oak(6)

Newest listings first.

See all 6 homes →View on map →

Swipe to see more →

Recently Sold

Recent sales in Valley Oak

HomeBd / BaSq FtSoldSold Price
5825 Cloudstone Court, Naples4 / 32,948Sep 2026$1,750,000
240 Stonegate Court, Naples3 / 32,595Aug 2026$950,000
5717 Hammock Isles Drive, Naples3 / 3.52,769Aug 2026$1,445,000
207 Monterey Drive, Naples4 / 3.53,145Aug 2026$2,500,000

Closed sales from the last 12 months. Ask Rick for a full comparable-sales report on any home you're considering.

At a Glance

Valley Oak at a glance

Price Range
Luxury
Typically $900K+
Flood Zone
Zones X / AE
Varies by lot, verify your address
Minimal flood risk
medium-confidence estimate, verify by address
Community Type
single-family
Region
Naples

Amenities & Lifestyle

What you get living in Valley Oak

Golf

Drive Times

Location & access

  • 🏖️ Nearest Beach20 min
  • ✈️ RSW Airport30 min
  • 🏙️ Downtown Fort Myers21 min
  • 🏥 Nearest Hospital10 min
  • 🛣️ I-75 Access7 min

Cost of Ownership

Estimated yearly costs for a luxury-tier home

Florida estimates based on a $1,250,000 home in Valley Oak. Actual numbers vary, book a Strategy Session for a live, parcel-specific quote.

Property Tax
$16,250
~$1,354/mo · Collier County millage ~1.3%
Insurance
$6,250, $13,750
Standard homeowners + wind
HOA Estimate
$0, $150/mo
Typically low/none

Estimates only. Florida Homestead Exemption (when you qualify) can knock $750-1,500 off the annual tax bill.

⚠️ Flood Zone Accuracy Note

Valley Oak is mapped primarily in Zone X

Our analysis found 2 different flood zones within Valley Oak's footprint (Zone X, Zone AE). The exact flood zone for any specific home depends on its parcel, homes on different streets, lots, or elevations within the same community can have different zone classifications.

Before making an offer, always verify the exact flood zone for the specific property address:

🔍 Verify on FEMA Map Service Center →Ask Rick for the Exact Zone →

Source: FEMA National Flood Hazard Layer · sampled at 5 points per community · confidence: medium

Schools Nearby

Top schools within 8 miles of Valley Oak

Heritage Charter Academy of Cape Coral

2.4 mi
K-8charter· Score 40/100

Cape Coral High School

2.6 mi
Highpublic· DOE Grade B· Score 65/100

Oak Creek Charter School of Bonita Springs

7.9 mi
K-8charter· DOE Grade C· Score 58/100

Compare

Similar communities to consider

Quail West

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Audubon Country Club

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Abbey On The Lake

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Alberi Acqua

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Ready to Look Closer?

Get live numbers for Valley Oak

HOA dues, current listings, recent sales, builder incentives, all change weekly. Book a free Strategy Session and I'll pull a live snapshot for Valley Oak tailored to your timeline and budget.

Ask About Valley Oak →Find Communities Like This (90-sec quiz)

Good Questions

Valley Oak, frequently asked questions

What are home prices like in Valley Oak?
Valley Oak is in the luxury price tier, typically Typically $900K+. List prices vary by size, age, condition, and current inventory; search current listings or ask Rick for live comps.
What FEMA flood zone is Valley Oak in?
Valley Oak straddles more than one FEMA zone (Zones X / AE), the exact zone depends on the specific lot, so insurance can differ street to street. Rick verifies the exact zone for any address before you offer.
What schools are near Valley Oak?
Closest schools include Heritage Charter Academy of Cape Coral (2.4 mi), Cape Coral High School (2.6 mi), Oak Creek Charter School of Bonita Springs (7.9 mi). Browse all on the schools directory.
What does it cost to own a home in Valley Oak?
For a $1,250,000 home, estimate roughly $16,250/yr property tax, $6,250-$13,750/yr insurance, and $0-$150/mo HOA. Full breakdown in the SWFL cost cheatsheet.
What amenities does Valley Oak offer?
Valley Oak features Golf. Compare similar communities on the interactive map.