12241 SW Saltwater Drive, Port St. Lucie, FL 34987
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 12241 SW Saltwater Drive in Riverland Parcel B - Plat Three, Port St. Lucie is listed at $1,029,000 (3,436 sq ft, about $299 per sq ft). That sits within a few percent of Riverland Parcel B - Plat Three's median closed sale of $960,000 over the last 12 months (4 recorded sales). It has been 82 days on market. Listing facts: built in 2024, a private pool, waterfront, HOA dues of $505/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2024 · 2 yrs
- 3,436 sq ft of living area
- 2-car garage
- Listed at $1,029,000 — recent neighborhood median sale price ~$960,000 (nearby sales; deemed reliable, not an appraisal)
- 82 days on market
- HOA $505/mo (per listing)
About this home
Experience luxury lakefront living in this beautifully upgraded 3-bedroom, 4-bathroom pool home with a spacious clubroom in the highly sought-after Valencia Walk at Tradition. Designed for both elegant living and effortless entertaining, this impressive residence features tranquil lake views, a fenced backyard, a private pool, and a fully equipped outdoor kitchen beneath the covered lanai. Inside, the home showcases crown molding throughout the primary suite, living room, kitchen, and clubroom, along with custom ceiling designs in the primary bedroom, living room, and main hallway.
The clubroom is ideal for entertaining and features a custom wet bar, creating the perfect space for hosting. Custom lighting enhances the entry hall, kitchen, and dining area, while plantation shutters are installed throughout the home. Additional window treatments include room-darkening shades in the primary bedroom and a convenient roll-down shade in the living room.
The primary suite features new flooring, custom closets, and a completely remodeled bathroom offering a refined, spa-inspired retreat. Additional interior upgrades include a custom pantry, built-in laundry room cabinetry, ceiling fans throughout the home and outdoor lanai, and USB charging outlets in every bedroom and on the kitchen island. The outdoor living area is equally impressive, with a pool overlooking the lake, a fenced backyard, an outdoor kitchen, and durable Ox flooring on the pool deck and both garage floors.
A whole-house generator and water treatment system provide added comfort, convenience, and peace of mind. Located within Valencia Walk at Tradition, this exceptional home combines thoughtful upgrades, stylish finishes, and resort-style indoor-outdoor living in one of Port St. Lucie's most desirable communities.
All 115 photos
Description provided by Keller Williams Realty of PSL and reproduced from the MLS; not independently verified.
Provided via the BeachesMLS Internet Data Exchange · All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $5,700/mo 68%
- Taxes $1,865/mo 22%
- Insurance $284/mo 3%
- HOA $505/mo 6%
$8,354/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), BeachesMLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 12241 Sw Saltwater Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $18,575/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,029,000 and the first-year bill resets to about $22,375/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 22.85 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $505/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Lucie County is $2,332/yr (2,890 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$5,000/yr; neither is a quote. |
| Roof and age | Built in 2024. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $2,564/month (tax $1,865, HOA $505, insurance $194). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
St. Lucie County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for St. Lucie County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Riverland Parcel B - Plat Three market
How this home is priced against recent nearby sales, and where Riverland Parcel B - Plat Three has been over 25 years. Momentum Research analysis of Beaches MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2024BuiltPer public record
- About Jul 2026Listed (per MLS)MLS reports 82 cumulative days on market as of October 14, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $1,200,000
- Sep 15, 2026Price cut$1,095,000 (-$105,000, -8.8%)
- Sep 25, 2026Price cut$1,029,000 (-$66,000, -6.0%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in RIVERLAND PARCEL B - PLAT THREE in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $960,000 ($313/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales in RIVERLAND PARCEL B - PLAT THREE, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $1,029,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — this home carries HOA dues of $505/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 82 days on market vs. a 56-day community median
- 2 active listings competing
- ≈6.0 months of supply
- 4 closed here in the last 12 months
For reference, this home is listed at $1,029,000 ($299/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,436 sq ft × $300–$321/sq ft (interquartile band of 6 comparable closed sales in RIVERLAND PARCEL B - PLAT THREE, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 14, 2026.
Momentum Property Score
52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 82 days on market for this home, against a 56-day area median.Days on market:this home 82Area median: 56 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. As of September 20, 2026.
🟡 Asking $299 per square foot, about 4% below the community’s $313 median. Riverland Parcel B - Plat Three’s 12-month median sold price per square foot is $313. Confidence: Low · 4 closed sales in 12 monthsMLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
41% of homes in Riverland Parcel B - Plat Three are owner-occupied. An estimated 59% are non-owner-occupied, including 2% held in a company or trust and 14% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 35 homes matched. Community-level context.
Recent Riverland Parcel B - Plat Three sales closed near 94.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of BeachesMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Riverland Parcel B - Plat Three, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Keller Williams Realty of PSL · MLS # B26056244
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More on RIVERLAND PARCEL B - PLAT THREE
Go deeper on RIVERLAND PARCEL B - PLAT THREE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in St. Lucie County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the RIVERLAND PARCEL B - PLAT THREE guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 12241 SW Saltwater Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $505/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in St. Lucie County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 3,436 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $22,375/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,800 more per year than the current owner’s estimated bill (+20%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | BeachesMLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | BeachesMLS closed sales in RIVERLAND PARCEL B - PLAT THREE, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of BeachesMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 12241 SW Saltwater Drive and when was it built?
Per the listing record, 12241 SW Saltwater Drive was built in 2024 and has 3,436 sq ft of living area, 3 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12241 SW Saltwater Drive in?
12241 SW Saltwater Drive is in Riverland Parcel B - Plat Three in Port St. Lucie, St. Lucie County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 12241 SW Saltwater Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $505 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 12241 SW Saltwater Drive differ from the current owner's?
The estimate on this page (about $22,375 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,800 more per year than the current owner’s estimated bill (+20%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 12241 SW Saltwater Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the BeachesMLS Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: BeachesMLS, Inc.. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.