Gated Communities in Martin County, FL

Looking for gated communities in Martin County, FL? Momentum Realty tracks 43 Martin County communities with evidence of gated community living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

Martin County gated communities at a glance

Communities tracked

$685,500

Median sale price

95 days

Median days on market

372

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Sailfish Point · agent	Stuart	$3.67M	–	186 d
Emerald Lakes · agent	Stuart	$279,000	–	29 d
The Meadows at Martin Downs · agent	Palm City	$333,000	–	125 d
The Yacht & Country Club of Stuart · agent	Stuart	$782,000	–	165 d
Summerfield · agent	Stuart	$525,000	–	62 d
The Florida Club · agent	Stuart	$525,000	–	63 d
Mariner Sands Country Club · agent	Stuart	$716,000	–	130 d
Jensen Beach Country Club · agent	Jensen Beach	$455,000	–	46 d
River Marina · agent	Stuart	$332,000	–	78 d
Crane Creek Country Club · agent	Palm City	$835,000	–	286 d
Highlands Reserve · agent	Palm City	$770,000	–	64 d
Palm City Farms · agent	Palm City	$1.35M	–	103 d
Hammock Creek · agent	Palm City	$856,000	–	80 d
Sunset Trace at Martin Downs · agent	Palm City	$208,000	–	93 d
Camellia · agent	Stuart	$415,000	–	–
Whitemarsh Reserve · agent	Stuart	$350,000	–	19 d
Cobblestone · agent	Palm City	$1.20M	–	70 d
Lexington Lakes · agent	Stuart	$245,000	–	37 d
North River Shores · agent	Stuart	$908,000	–	83 d
Lake Tuscany · agent	Stuart	$712,000	–	–
Stuart West · agent	Palm City	$1.05M	–	48 d
Whispering Sound · agent	Palm City	$329,000	–	–
Golden Gate · agent	Stuart	$435,000	–	98 d
Danforth · agent	Palm City	$675,000	–	32 d
Banyan Bay · agent	Stuart	$921,000	–	129 d

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

Every other tracked gated communities in Martin County

What gates change about ownership

Controlled access typically comes with a manned gate, a transponder system, or both — funded through HOA dues. Expect guest-access procedures, delivery and contractor rules, and in some communities rental restrictions. Review the HOA budget for how the gate and any roving patrol are funded, and whether roads are private (the HOA maintains them — another line in the dues) or public.

Due diligence before you buy behind a gate

Request the HOA documents early: budget, reserves, rules, and the last two years of meeting minutes. Private roads, gates and common areas are owner-funded, so thin reserves become special assessments. Our buyer closing costs calculator helps you model dues and assessments into the real monthly cost.

What it costs to own here

At Martin County’s typical combined millage of 15.47 mills, a purchase at $685,500 (the median across these gated communities) generates roughly $10,604 a year in property tax before exemptions — about $884 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Martin County average about $2,580 a year ($215 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Martin County near $2,754 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Martin County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Martin County right now

In the most recent IRS migration data (2022-2023), Martin County gained a net 1,335 people to relocation, with the largest inbound flows from NY, NJ, CT. Households moving IN reported average incomes of $142,932 versus $90,119 for those leaving — the income mix of demand, straight from tax filings. Population is up about 1.8% over the recent multi-year window. On the supply side, builders pulled 845 residential permits in Martin County in 2025 (843 single-family), up 30.8% year over year — against 1,334 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 13.2% versus its income-and-rent fundamentals.

The Martin County market, in context

Martin County is Stuart and the Sailfish-Capital coast — a deliberately low-density, affluent Treasure Coast county that has fought to preserve its small-town, waterfront character.

The economy behind the market: {'drivers': 'healthcare, marine industry, professional services, and agriculture', 'summary': "Martin's economy is anchored by Cleveland Clinic Martin Health (the county's largest employer), a robust marine industry — boat building, repair, and yacht services around Stuart's waterways — plus professional services tied to an affluent population and an agricultural base (citrus, cattle) in the west. The county's strict growth management deliberately limits the scale of development.", 'employers': ['Cleveland Clinic Martin Health', 'Martin County School District', 'Martin County government', 'marine-industry firms (boatbuilding, repair, yacht services)', 'Publix', 'agriculture (west county)'], 'jobNote': "Cleveland Clinic Martin Health is the county's largest employer; Stuart's marine industry — boatbuilding, repair, and yacht services — is a defining sector."}

What could change it: Martin carries Treasure Coast hurricane and storm-surge exposure on the barrier island and along the rivers, with high coastal insurance, and the Indian River Lagoon's health is an environmental concern. The county's strict growth management keeps supply tight (supporting values but limiting options), and prices run above the neighboring Treasure Coast counties.

Run the numbers in Martin County

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Common questions

How many gated communities does Martin County, FL have?

Momentum Realty currently tracks 43 communities in Martin County with evidence of gated community living in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in Martin County gated communities cost?

The median sale price across tracked gated communities in Martin County is about $685,500, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the gated communities?

A community appears here when we find gate, guard house or controlled-access amenities reported on MLS listings or verified amenity records for the community. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves Martin County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Martin County?

Citizens Property Insurance policies in Martin County average about $2,580 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Martin County?

Typical combined millage in Martin County is about 15.47 mills - roughly 1.55% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.