Gated Communities in Palm City, FL
Looking for gated communities in Palm City, FL? Momentum tracks 17 Palm City 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.
Palm City gated communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| The Meadows at Martin Downs · agent | Palm City | $333,000 | – | 125 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 |
| Cobblestone · agent | Palm City | $1.20M | – | 70 d |
| Stuart West · agent | Palm City | $1.05M | – | 48 d |
| Whispering Sound · agent | Palm City | $329,000 | – | – |
| Danforth · agent | Palm City | $675,000 | – | 32 d |
| Palm Cove Golf & Yacht Club · agent | Palm City | $1.08M | – | 66 d |
| Heronwood · agent | Palm City | $472,000 | – | – |
| Canopy Creek · agent | Palm City | $1.50M | – | 48 d |
| Piper's Landing Yacht & Country Club · agent | Palm City | $788,000 | – | 144 d |
| Berry Grove · agent | Palm City | $668,000 | – | – |
| Osprey Creek at Martin Downs · agent | Palm City | $360,000 | – | 61 d |
| Fox Grove · agent | Palm City | $1.50M | – | 15 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.
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 $788,000 (the median across these Palm City gated communities) generates roughly $12,190 a year in property tax before exemptions — about $1,016 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.
Live inventory, refreshed nightly from the MLS.
Live gated-community listings in Palm City
168 active listings carry the flag today (57% of Palm City inventory), median asking $532,500, $246/sq ft, median 100 days on market. Photo cards link to the listing; refreshed nightly.
Newest gated community homes in Palm City
The most expensive gated community homes in Palm City
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 2602 SW 64Th Court | $3,500,000 | 2,288 | — |
| 2805 SW Stoneybrook Way | $3,500,000 | — | Fox Grove Aka Meadow Run |
| 118 SW Palm Cove Drive | $3,450,000 | 5,232 | — |
| 3865 SW Stoneybrook Way | $3,100,000 | 3,795 | Fox Grove Aka Meadow Run |
| 2893 SW Goldenglow Drive | $2,100,000 | 4,160 | Canopy Creek |
| 3767 SW Brassie Way | $1,985,000 | 5,970 | — |
| 10475 SW Lands End Place | $1,798,000 | 3,814 | Cobblestone |
| 525 SW Perth Place | $1,700,000 | 5,274 | — |
| 3480 SW Flowerdew Court | $1,690,000 | 3,672 | — |
| 32 SW Wiregrass Court | $1,649,900 | 5,241 | — |
Gated Community Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 43 | 26% |
| $300K–$500K | 36 | 21% |
| $500K–$750K | 28 | 17% |
| $750K–$1M | 36 | 21% |
| $1M+ | 25 | 15% |
Palm City gated community homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most gated community homes listed are tabled; the rest follow.
| Community | Gated Community Homes | New build | Median list | From |
|---|---|---|---|---|
| Sand Trail (Aka Copperleaf) | 8 | 0 | $938,500 | $784,900 |
| The Meadows At Martin Downs | 7 | 0 | $425,000 | $225,000 |
| Pine Ridge At Martin Downs Condo | 7 | 0 | $205,000 | $175,000 |
| Highlands Reserve | 6 | 0 | $712,500 | $600,000 |
| Pine Ridge At Martin Downs Condo 14 | 6 | 0 | $212,450 | $175,000 |
| Monarch | 5 | 0 | $499,000 | $425,000 |
| Harbour Ridge - Fairway Village | 5 | 0 | $165,000 | $79,000 |
| Palm City Farms | 4 | 0 | $3,100,000 | $1,375,000 |
| Hammock Creek | 4 | 0 | $987,500 | $870,000 |
| Highlands Reserve PUD | 4 | 0 | $902,443 | $850,000 |
| Pipers Landing | 4 | 0 | $774,944 | $399,000 |
| Palm Cove Golf & Yacht Club | 4 | 0 | $754,900 | $625,000 |
| Canopy Creek | 3 | 0 | $1,395,000 | $1,150,000 |
| Stuart West | 3 | 0 | $1,300,000 | $989,000 |
| Cobblestone PUD 01 | 3 | 0 | $1,250,888 | $1,250,888 |
| Cobblestone | 3 | 0 | $1,129,000 | $1,123,203 |
| Mid-Rivers Yacht And Country Club (Aka Evergreen C | 3 | 0 | $1,129,000 | $884,900 |
| Crane Creek Racquet Club All Ph | 3 | 0 | $975,000 | $739,900 |
| Monarch Country Club | 3 | 0 | $650,000 | $469,000 |
| Harbour Ridge | 3 | 0 | $535,000 | $360,000 |
| Harbour Ridge - Laurel Oak | 3 | 0 | $499,000 | $448,000 |
| Sunset Trace Ph 01 Md 06 | 3 | 0 | $235,000 | $205,000 |
| Sunset Trace At Martin Downs (Aka Martin Downs Pla | 3 | 0 | $230,000 | $210,000 |
| Hammock Creek Estates | 2 | 0 | $1,134,500 | $870,000 |
| Cobblestone | 2 | 0 | $1,090,394 | $984,900 |
| Sand Trail PUD | 2 | 0 | $972,000 | $869,000 |
| Harbour Ridge - Buttonbush Village | 2 | 0 | $810,000 | $795,000 |
| Danforth 01 | 2 | 0 | $687,500 | $650,000 |
| Meadows Prcl 51 Md 42 | 2 | 0 | $619,888 | $619,888 |
| Palm Pointe At Martin Downs (Aka Martin Downs Plat | 2 | 0 | $576,999 | $479,000 |
| Pipers Landing 06 | 2 | 0 | $512,450 | $499,900 |
| Charter Club At Martin Downs | 2 | 0 | $454,500 | $430,000 |
| Harbour Ridge Yacht & Country Club - Bayhead Villa | 2 | 0 | $349,450 | $299,000 |
| Quail Meadow At Martin Downs (Aka Martin Downs Pla | 2 | 0 | $312,500 | $300,000 |
| Harbour Ridge - Dewberry Village | 2 | 0 | $280,000 | $225,000 |
| Sunset Trace | 2 | 0 | $260,000 | $240,000 |
| Stamford At Sunset Trace (Aka Martin Downs Plat 36 | 2 | 0 | $255,000 | $235,000 |
| Harbour Ridge - Mile Lake Village | 2 | 0 | $184,000 | $149,000 |
| Pipers Landing Garden Apartments Condo | 2 | 0 | $149,000 | $119,000 |
| Harbour Ridge Y&CC - Palmetto Village | 2 | 0 | $131,900 | $55,000 |
| Harbour Ridge - Pond Apple Village | 2 | 0 | $96,950 | $34,000 |
| Greenmans Minor Plat | 1 | 0 | $3,500,000 | $3,500,000 |
| Fox Grove | 1 | 0 | $3,500,000 | $3,500,000 |
| Cutter Sound PUD Ph 04 & 05 | 1 | 0 | $3,450,000 | $3,450,000 |
| Meadow Run | 1 | 0 | $3,100,000 | $3,100,000 |
| Harbour Ridge Yacht & CC -Sand Pine Village | 1 | 0 | $2,900,000 | $2,900,000 |
| Tuscawilla (Aka Canopy Creek) | 1 | 0 | $2,100,000 | $2,100,000 |
| Crane Creek Country Club 03 | 1 | 0 | $1,985,000 | $1,985,000 |
| Palm Cove | 1 | 0 | $1,745,000 | $1,745,000 |
| Pipers Landing 01 | 1 | 0 | $1,700,000 | $1,700,000 |
| Tuscawilla Pud Replat | 1 | 0 | $1,690,000 | $1,690,000 |
| Windstone | 1 | 0 | $1,649,900 | $1,649,900 |
| Harbour Ridge 1 | 1 | 0 | $1,395,888 | $1,395,888 |
| Palm Cove & Yacht Club Ph 20 | 1 | 0 | $1,325,000 | $1,325,000 |
| Harbour Ridge - East Hammock | 1 | 0 | $1,295,000 | $1,295,000 |
| Evergreen, Mid-Rivers | 1 | 0 | $1,295,000 | $1,295,000 |
| Mid-Rivers Yacht & Cc Ph 01-02 Evergreen Club | 1 | 0 | $1,200,000 | $1,200,000 |
| Palm Cove Harbour Island | 1 | 0 | $1,200,000 | $1,200,000 |
| Cobblestone PUD 05 | 1 | 0 | $1,195,888 | $1,195,888 |
| Windstone, Harbour Bluff, Rivers End | 1 | 0 | $1,195,000 | $1,195,000 |
Also with gated community homes for sale
- Mid-Rivers Yacht And Coun (1)
- Harbour Ridge Y&CC-Riverside Village (1)
- Harbour Ridge Yacht & CC-Buttonbush Village (1)
- Harbour Ridge - River Pointe Village (1)
- Monarch Country Club) (1)
- Windstone (1)
- Harbour Ridge Yacht & CC - Mariner Village (1)
- Harbour Ridge - Lancewood (1)
- Captains Creek (1)
- River Oaks (1)
- Crane Creek Country Club (1)
- Palm Cove GOLF & YACHT CLUB (1)
- Martin Downs 47a (1)
- Harbour Pointe Ph 01-03 (1)
- Sand Trail PUD AKA Copperleaf (1)
- Berry Avenue (1)
- Pipers Lndg 6 (1)
- Pipers Landing 05 (1)
- Harbour Pointe (1)
- Harbour Island (1)
- Harbour Ridge Yacht & CC - Deer Moss Village (1)
- Harbour Ridge Y&CC Buttonbush Village (1)
- Captain'S Creek (Aka Orchid Bay) (1)
- Monarch Parcels 55 & 56 Martin Downs Plat 75 (Aka (1)
- Crane Creek Racquet Club (1)
- Oak Ridge (1)
- Crane Creek Country Club 04 (1)
- Monarch Parcel 22 Martin Downs Plat 74 (Aka Monar (1)
- Hammock Creek (1)
- Harbour Ridge Y&CC-Buttonbush Village (1)
- Palm Cove Golf & Yacht Club Ph (1)
- Hunters Creek (1)
- Harbour Ridge - BUTTONBUSH VILLAGE (1)
- Pipers Landing 04 (1)
- Heronwood (1)
- Palm Pointe (1)
- Harbour Ridge Y&CC-Sweetbay Village (1)
- Meadows Prcl 61 & 61a (1)
- Harbour Ridge Green Briar Village (1)
- Magnolia Ridge Of Palm City Pud (1)
- Pipers Landing 02 (1)
- Harbour Ridge 6 Laurel Oak/Royal Fern (1)
- Harbour Ridge Y&CC - Sweetbay Village (1)
- Harbour Ridge Yacht & Country Club - Fig Tree (1)
- Mallard Creek M D 21 & 21a (1)
- Harbour Ridge Y&CC - Deer Moss Village (1)
- Palm Pointe At Martin Dow (1)
- Ibis Point (1)
- La Mariposa (1)
- Osprey Creek (1)
- Harbour Ridge Y&CC-Bayhead Village (1)
- Martin Downs Plat No 29 (Aka Monarch Country Club) (1)
- Martin Downs 29a (1)
- Osprey Creek At Martin Downs (Aka Martin Downs Pla (1)
- Egret Pond (1)
- Harbour Ridge - Green Briar Village (1)
- Martin Downs Starling Court M D 15 (1)
- The Meadows at Martin Downs (1)
- Starling Court At Martin Downs (Aka Martin Downs P (1)
- Eagle Lake 07 Martin Downs (1)
- Eagle Lake (1)
- Harbour Ridge Y&CC - South Shore Village (1)
- Pine Ridge At Martin (1)
- Villas At Sunset Trace Md 16 (1)
- Whispering Sound 01-04a (1)
- Harbour Ridge Y&Cc - South Shore Village (1)
- Harbour Ridge Y&CC - Fairway Village (1)
- Villas At Sunset Trace At Martin Downs (Aka Martin (1)
- Pipers Landing 03 (1)
- Harbour Ridge Y&CC-Mile Lake Village (1)
- Stamford At Sunset Trace Md 36 (1)
- Clubhouse Court Condo (1)
- Harbour Ridge - Bayhead Village (1)
- Pine Ridge at Martin Downs (1)
- Pipers Landing Garden Apts Area 03 (1)
- Pipers Landing Garden Apts Area 09 (1)
- Harbour Ridge Y&Cc/Mile Lake Village (1)
- Harbour Ridge Yacht and Country Club - POND APPLE VILLAGE CONDOMINIUM (1)
- Harbour Ridge Y&CC - Mile Lake Village (1)
- Harbour Ridge Yacht & Country Club - Fairway Village (1)
- Harbour Ridge - Palmetto Village (1)
- Harbour Ridge/Palmetto Village (1)
- Harbour Ridge Y&CC-Pond Apple Village (1)
Explore more of Palm City
- Gated Communities in Martin County
- Golf Course Communities in Palm City
- Find the best agent in Palm City
- Best neighborhoods in Palm City
Run the numbers in Martin County
- Find the best agent in Martin County
- Get a cash offer in Martin County
- Martin County housing scorecard
- What would selling net you
- Buyer closing costs calculator
Common questions
How many gated communities does Palm City, FL have?
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What are property taxes like in Martin County?
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.