50 days on market (MLS) Single Family Residence ▼ Price cut: $40,500 (9/29)
$559,000
3-Bedroom Pool Home in TRADITION PLAT NO 16

12409 SW Keating Drive, Port St. Lucie, FL 34987

Single Family Residence in TRADITION PLAT NO 16, Port St. Lucie · No CDD on record
TRADITION PLAT NO 16 · Port St. Lucie, FL 34987 · St. Lucie County
Listing data updated October 14, 2026 at 3:12 PM ET · checked against the MLS hourly
3Bedrooms
3Bathrooms
2,000Sq Ft
2005Year Built
$280Per Sq Ft
WaterfrontPrivate pool2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
41% above
$/sq ft vs community
$280 here vs $198 median sold (12 mo)
Buyer leverage
Strong buyer advantage
50 days on market
60.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~29 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 10 of 12
Price vs recent sales
Asking $559k tops 10 of the last 12 closed sales

Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 14, 2026, 12409 SW Keating Drive in Tradition Plat No 16, Port St. Lucie is listed at $559,000 (2,000 sq ft, about $280 per sq ft). That is 47% above Tradition Plat No 16's median closed sale of $379,500 over the last 12 months (144 recorded sales). Per square foot it is above the community's recent $198/sq ft by about 41%. It has been 50 days on market. Listing facts: built in 2005, a private pool, waterfront, HOA dues of $356/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2005 · 21 yrs
  • 2,000 sq ft of living area
  • 2-car garage
  • Listed at $559,000 — recent neighborhood median sale price ~$379,500 (nearby sales; deemed reliable, not an appraisal)
  • 50 days on market
  • HOA $356/mo (per listing)
Listing description

About this home

Some homes offer a view. This one is embraced by it. Welcome to an exceptional Florida retreat in The Lakes at Tradition, where shimmering water, abundant natural light and effortless indoor-outdoor living create a home that feels extraordinary from the moment you enter.

Set on a beautifully landscaped hammerhead lot with spectacular lake views on two sides, this distinctive 3-bedroom, 3-bath residence with private office, screened lanai and in-ground pool offers the privacy, openness and entertaining space buyers dream about. Sunlight pours through the home. Voluminous ceilings and a tray ceiling in the kitchen add architectural dimension, while the Great Room showcases two sets of three-panel sliding glass doors opening to the screened lanai, pool and water beyond.

Additional two-panel sliders from the dining area open to the side yard, extending the home's connection to its beautiful surroundings. Open the doors and the Great Room, lanai and pool become one expansive entertaining environment — equally suited to an intimate evening for two or a celebration with friends. The outdoor setting is the showpiece.

Imagine morning coffee beside the lake, afternoons by your private pool and evenings watching the Florida sky reflect across the water. With lake views wrapping two sides of the property, the lanai feels less like a backyard and more like a private waterfront escape. Double doors introduce the primary retreat, where three closets — his, hers and hers — provide exceptional storage.

Sliding glass doors offer direct access from the bedroom to the lanai and pool, making a quiet evening swim beautifully private. Adding to the suite's distinction are two full primary bathrooms. The first features a garden tub, separate shower, vanity and glass-block windows that fill the room with natural light while preserving privacy; the second provides its own stand-up shower for an uncommon level of personal space and convenience.

Even the private office has been designed around light, with graceful half-moon transom windows creating a bright and inspiring place to work, read or retreat. A brand-new 2026 pool pump and air-conditioned garage add comfort and functionality, while the hammerhead homesite provides enhanced privacy and additional parking. Beautiful homes are memorable.

Exceptional settings are unforgettable. At 12409 SW Keating Drive, water, light, privacy and resort-style Florida living come together in one remarkable address. Offered at $599,500 — come for the home, fall in love with the lifestyle.

Luxury Marketing Version Where Water, Light & Privacy Create an Extraordinary Florida Lifestyle There is something captivating about a home surrounded by water and filled with light. At 12409 SW Keating Drive, the experience begins the moment you arrive. Beautifully positioned on a distinctive hammerhead lot in The Lakes at Tradition, a DiVosta community, this 3-bedroom, 3-bath residence with private office, screened lanai and in-ground pool enjoys breathtaking lake views on two sides of the property.

The setting creates an uncommon sense of openness and privacy, while the hammerhead design provides additional serenity. Inside, Florida sunshine becomes part of the home's design. Voluminous ceilings create an airy sense of scale, a tray ceiling adds architectural interest to the kitchen, and expansive glass continually draws your attention toward the pool and shimmering water beyond.

The Great Room was made for entertaining. Two sets of three-panel sliders open to the screened lanai and pool, creating a dramatic indoor-outdoor living experience. Additional sliders from the dining area open to the side yard, allowing light and landscape to surround the living spaces.

Open the doors, invite your favorite people and allow the home to flow effortlessly from conversation indoors to cocktails poolside. Outside, the pace changes. The pool and screened lanai overlook tranquil water on two sides, creating a private backdrop for morning coffee…

All 96 photos

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Description provided by Lifestyle International Realty and reproduced from the MLS; not independently verified.

Listing courtesy of Lifestyle International Realty · Listing agent: Laura M Beltran · 305-809-8085Provided 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.
Property facts & sources

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

List price$559,000
Bed / bath3 / 3
Living area2,000 sq ft
Year built2005
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #B26068060
Listing status50 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~29 ft
CountySt. Lucie
Area listings0 active · 0 under contract
Estimated first-year tax~$5,870/yr
CDD assessmentNone on record
HOA$356/mo

Calculated estimates

Price per sq ft$280
Estimated monthly payment$4,170
Insurance (illustrative)$2k–$4k/yr
Messtimate range$400,000 – $464,000
Comparable-sales median$379,500

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$4,170/mo
  • Principal & interest $3,096/mo 74%
  • Taxes $489/mo 12%
  • Insurance $229/mo 5%
  • HOA $356/mo 9%

$4,170/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.

What it really costs to own 12409 Sw Keating 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 taxThe current owner's bill is $1,827/yr per the MLS listing record (TaxAnnualAmount, 2026-10-14). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed.
HOA dues$356/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 insuranceThe 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 $2,000–$4,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 2005. An original roof would be about 21 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.

Estimated carrying cost at the asking price, before the mortgage: about $703/month (tax $152, HOA $356, insurance $194). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$5,870/yr

Estimate: a typical St. Lucie effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$356/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~29 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

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.

Hazard risk

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.

HurricaneVery High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningVery High
Strong windRelatively High
DroughtRelatively Moderate
HailVery Low
Cold waveRelatively Low

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.

Connectivity

Internet & broadband

Fiber
Check availability

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
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · TRADITION

Pricing & the TRADITION market

How this home is priced against recent nearby sales, and where TRADITION 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.

Price per sq ft · this home vs. recent nearby sales12679 SW Phoenix12679 SW Phoenix: $199/sq ft$19911252 SW Lyra Drive11252 SW Lyra Drive: $200/sq ft$20010676 NW Wilgrove Lane10676 NW Wilgrove Lane: $210/sq ft$21010811 SW Candlewood Road10811 SW Candlewood Road: $232/sq ft$23210811 SW Candlewood Road10811 SW Candlewood Road: $232/sq ft$23212768 SW Eleanor Drive12768 SW Eleanor Drive: $255/sq ft$255This homeThis home: $280/sq ft$280Community median $198

Price vs. size in TRADITION

Each dot is a closed sale since 2004 (2128 total). This home is the gold marker.

$4k$668k$1.3M9542,7584,563This home: $559,000, 2,000 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $280/sq ft.

$46$149$2532012: $6620122013: $782014: $10620142015: $1052016: $12220162017: $1292018: $13420182019: $1392020: $14220202021: $1622022: $21420222023: $2332024: $21520242025: $2092026: $1982026

Median sale price by year

12-month median closed price, 2012–2026.

$106k$274k$443k2012: $138k20122013: $187k2014: $194k20142015: $206k2016: $250k20162017: $253k2018: $258k20182019: $259k2020: $276k20202021: $324k2022: $400k20222023: $410k2024: $398k20242025: $395k2026: $380k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 23 (cold).

854992013: 5320132014: 322015: 5820152016: 682017: 3820172018: 512019: 3420192020: 662021: 8120212022: 902023: 5320232024: 362025: 1720252026: 232026
Property timeline

This home’s history

  • 2005BuiltPer public record
  • About Aug 2026Listed (per MLS)MLS reports 50 cumulative days on market as of October 14, 2026
  • Aug 25, 2026First seen on movewithmomentum.comObserved at $599,500
  • Sep 29, 2026Price cut$559,000 (-$40,500, -6.8%)
  • 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.

Transparency

Price & listing history

Listed for $559,000Momentum Realty · on market 50 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

6 closed sales within about 3 miles 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: $379,500 ($198/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

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.

$400,000the mess$464,000

Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $559,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 16% 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 $356/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: 50 days on market vs. a 50-day community median
  • 60 active listings competing, 14 under contract
  • 12 closed here in the last 12 months

For reference, this home is listed at $559,000 ($280/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 2,000 sq ft × $200–$232/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 14, 2026.

Momentum Scores

Momentum Property Score

53/100
Strongest on: Flood safety (95), Market timing (77)
0 limited50100 exceptional

53/100 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.

Price vs area0
This home $280/sq ft vs the community 12-month median $198/sq ft.
Affordability0
List price $559,000 vs the community median $379,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~29 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2005 build. Obtain a property-specific quote.
Market liquidity60
Community median 50 days on market (12-month record).
Pricing power69
Recent sales closed at about 94.2% of original asking (~5.8% below). More room below asking generally favors buyers.
Market timing77
Momentum Market Heat is 23/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 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.

Momentum Research

The Momentum read

🟢 Buyer-leaning conditions around this listing. 60.0 months of supply in the surrounding market and 50 days on market for this home, against a 50-day area median.Days on market:this home 50Area median:  50 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 August 10, 2026.

🟡 Asking $280 per square foot, about 41% above the community’s $198 median. TRADITION’s 12-month median sold price per square foot is $198. Median sold price per square foot is down 3.9% year over year. Confidence: Very High · 144 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.

Recent TRADITION sales closed near 94.2% 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 August 10, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: 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 Lifestyle International Realty · MLS # B26068060

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Keep looking

Similar homes for sale near TRADITION PLAT NO 16

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Newest listings in TRADITION PLAT NO 16

  • 12225 SW Elsinore Drive · $329,000 · 2 bd / 2.0 ba · listed October 12, 2026 (courtesy of Keller Williams Realty of PSL)
  • 10971 SW Dunhill Court · $339,900 · 4 bd / 2.0 ba · listed October 11, 2026 (courtesy of Turtle Reef Realty, Inc)
  • 11907 SW Crestwood Circle · $389,000 · 3 bd / 2.5 ba · listed October 11, 2026 (courtesy of Keller Williams Realty of PSL)
  • 12497 SW Silverwood Avenue · $450,000 · 2 bd / 2.0 ba · listed October 8, 2026 (courtesy of Keller Williams Realty of PSL)
  • 9750 SW Lindale Trace Boulevard · $359,999 · 3 bd / 2.0 ba · listed October 8, 2026 (courtesy of Platinum Plus Realty & Investment Services, LLC.)
  • 11760 SW Rossano Lane · $678,900 · 4 bd / 3.0 ba · listed October 8, 2026 (courtesy of Partnership Realty Inc.)

Recently off market in TRADITION PLAT NO 16

The street

Every home on SW Keating Drive: what is for sale, what sold and when, the homes and the communities along it.

Just listed: new homes for sale in Southeast Florida in the last 48 hours · updated hourly · RSS · Southeast Florida market today: new listings, price cuts, pendings

In the area

Recent Tradition news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Oct 2026 · Development

Port St. Lucie board considers rezoning for up to 1,200 homes at Wilson Grove

The Planning and Zoning Board took up a rezoning of nearly 360 acres of agricultural land north of SW Becker Road, between SW Sundance Vista Boulevard and Rangeline Road, to a master planned unit development. The concept plan allows up to 1,200 homes plus parks, lakes and clubhouses. City Council would vote later in October.

Why it matters: Up to 1,200 new homes in western Port St. Lucie would add housing supply and increase traffic demand on Becker Road. The site is less than a mile northwest of Tradition.

CBS12 (WPEC)

Oct 2026 · Retail Dining

Buc-ee's at I-95 and Indrio Road finishes county planning, awaits state approvals

The planned travel center would be about 76,000 square feet with roughly 120 fuel pumps at Interstate 95 and Indrio Road near Fort Pierce. County planning is complete, but FDOT and DEP approvals are still needed. Nearby proposals include Indrio Town Center on about 85 acres and Indrio Groves with more than 3,000 homes.

Why it matters: A large travel center would add retail and fuel access at the I-95 interchange and draw further development interest along Indrio Road. The project is about 16 miles north of Tradition, elsewhere in St. Lucie County.

CBS12 (WPEC)

Aug 2026 · Infrastructure

St. Lucie County reviews updated Port of Fort Pierce master plan with mega-yacht marina and spaceport recovery facility

The 2026 master plan for the Port of Fort Pierce proposes a mega-yacht marina, a spaceport recovery facility, expanded boat ramps and restaurants, with a marine commercial district at Harbour Pointe. County officials say nearly 15,000 registered boats compete for 147 trailer parking spaces near the inlet. The plan is under county review and Fort Pierce holds final approval.

Why it matters: Added boat ramp parking and marine commercial space would expand waterfront access and dining options near the Fort Pierce Inlet over a multi-year timeline. The project is about 16 miles northeast of Tradition, elsewhere in St. Lucie County.

WPTV

Jul 2026 · Schools

St. Lucie schools break ground on Fort Pierce K-8

St. Lucie Public Schools broke ground on July 28, 2026 on a 70 million dollar K-8 school behind Dan McCarty Middle School in Fort Pierce, with capacity for 1,500 to 1,800 students and completion expected in August 2028. The school will consolidate Dan McCarty Middle, St. Lucie Elementary, and Lawnwood Elementary, all built in the 1950s and 1960s. The district plans to sell the three existing school properties to offset costs.

Why it matters: The consolidated campus adds modern school capacity in northern Fort Pierce and frees three older school sites for potential reuse. The project is about 13 miles north of Tradition, elsewhere in St. Lucie County.

WFLX

Go deeper

More on TRADITION PLAT NO 16

Go deeper on TRADITION PLAT NO 16

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

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.

School zoningThis address is in the St. Lucie County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 12409 SW Keating Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $356/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • 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 2,000 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 $5,870/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordBeachesMLS, checked against the MLS hourly (last: October 14, 2026)
Comparable salesBeachesMLS closed sales within about 3 miles, last 18 months, as of August 10, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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.

Answered before you ask

Frequently asked questions

How big is 12409 SW Keating Drive and when was it built?

Per the listing record, 12409 SW Keating Drive was built in 2005 and has 2,000 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 12409 SW Keating Drive in?

12409 SW Keating Drive is in Tradition Plat No 16 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 12409 SW Keating Drive have an HOA, and how much are the dues?

The listing reports HOA dues of $356 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 12409 SW Keating Drive differ from the current owner's?

The estimate on this page (about $5,870 per year) assumes reassessment at the list price less the homestead exemption. 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 12409 SW Keating Drive in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.