128 SE Rio Angelica, Port St. Lucie, FL 34984
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 128 SE Rio Angelica in Tesoro Plat No 4, Port St. Lucie is listed at $1,750,000 (3,912 sq ft, about $447 per sq ft). That is 133% above Tesoro Plat No 4's median closed sale of $750,500 over the last 12 months (36 recorded sales). Per square foot it is above the community's recent $254/sq ft by about 76%. It has been 61 days on market. Listing facts: built in 2006, a private pool, waterfront, HOA dues of $790/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 2006 · 20 yrs
- 3,912 sq ft of living area
- 2-car garage
- Listed at $1,750,000 — recent neighborhood median sale price ~$750,500 (nearby sales; deemed reliable, not an appraisal)
- 61 days on market
- HOA $790/mo (per listing)
About this home
Experience the perfect fusion of timeless architecture and contemporary luxury in one of Tesoro Club's most comprehensively renovated luxury residences. Completely transformed during an extensive 2025-2026 renovation that was recently completed, this extraordinary single-story estate offers the quality, comfort, and peace of mind associated with today's finest new luxury construction—yet with the architectural character, rich detailing, exceptional craftsmanship, and soaring 20-foot ceilings that, in general no longer come with high end homes and are features that are sorely missed. Since the renovation was recently completed and no one has ever lived in the home, it offers its next owner the rare privilege of being the first to enjoy every detail of this extraordinary transformation.
Unlike many buyers who choose to build a new home, and only later discover the additional costs, time, and stress of completing landscaping, pools, generators, upgraded finishes, lighting, window treatments, and countless other improvements after closing, this exceptional residence is already complete. Every significant renovation has been thoughtfully designed and meticulously finished, allowing you to move in immediately and begin enjoying the luxury lifestyle from day one. Perfectly positioned on one of Tesoro Club's most desirable homesites, the property enjoys breathtaking panoramic views of the tranquil waterway, Arnold Palmer Signature Golf Course's 10th and 18th fairways, and the iconic Tesoro Clubhouse.
With no homes behind you or enen directly in front of you, the setting is exceptionally private, peaceful, and unforgettable. Offering approximately 3,914 square feet of luxurious living space, the residence features four spacious bedrooms, four full baths, and one half bath. Dramatic 20-foot ceilings, expansive walls of glass, and numerous sliding glass doors fill the home with natural light while creating a seamless connection between the elegant interior and the spectacular outdoor living spaces.
Every inch of the home has been transformed with exceptional attention to detail. The stunning designer kitchen is entirely new and features premium appliances that have never been used, including a professional-grade stainless steel 8-burner gas range with double ovens. Every room in the home has been redesigned.
In addition, the home features all-new flooring, fresh interior and exterior paint, LED lighting throughout the home and garages, and refined finishes that create an interior rivaling today's finest luxury model homes. Beyond the extraordinary renovation, what truly distinguishes this residence from new construction is that it offers the best of both worlds. Enjoy the confidence and peace of mind that comes from knowing this custom home was originally built by skilled craftsmen during an era when exceptional quality and architectural detail were paramount, while also knowing that virtually every major component that would typically require updating has already been replaced.
Equally important, many of the home's architectural features would be extraordinarily expensive—and in many cases impossible—to duplicate in today's new construction. This home has those details. Just as rare,this home has premium homesite offering panoramic water, golf course, and clubhouse views with exceptional privacy—an opportunity that would be extraordinarily expensive and difficult to replicate today.
Beyond its beauty, the home offers exceptional peace of mind and security. It features a brand new roof, impact-resistant hurricane windows and doors, and a brand-new whole-house generator to provide confidence during Florida's storm season. The home also includes all the things you would want and expect in a new home such brand-new high end Lennox HVAC systems, a new tankless water heater, new LED lighting throughout, and an exceptional looking modern interior.
The exterior has been equally transformed with a new modern paver driveway, entranceway, and pati…
All 50 photos
Description provided by Strategic Marketing and Sales Co. 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 $9,693/mo 67%
- Taxes $3,238/mo 22%
- Insurance $704/mo 5%
- HOA $790/mo 5%
$14,425/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.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
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 128 Se Rio Angelica
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 $20,525/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,750,000 and the first-year bill resets to about $38,850/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 | $790/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 $6,000–$12,500/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 age | Built in 2006. An original roof would be about 20 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 $4,222/month (tax $3,238, HOA $790, 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.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
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 Tesoro market
How this home is priced against recent nearby sales, and where Tesoro 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 vs. size in Tesoro
Each dot is a closed sale since 2008 (177 total). This home is the gold marker.
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 $447/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 51 (normal).
This home’s history
- 2006BuiltPer public record
- Aug 4, 2026First seen on movewithmomentum.comObserved at $1,750,000
- NowUnder contractCurrently pending
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 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: $750,500 ($254/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 within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $1,750,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 79% 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 $790/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: 61 days on market vs. a 83-day community median
- 24 active listings competing, 6 under contract
- ≈12.0 months of supply
- 12 closed here in the last 12 months
For reference, this home is listed at $1,750,000 ($447/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: 3,912 sq ft × $345–$618/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 Property Score
47/100 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: 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 61 days on market for this home, against a 83-day area median.Days on market:this home 61Area median: 83 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 $447 per square foot, about 76% above the community’s $254 median. Tesoro’s 12-month median sold price per square foot is $254. Median sold price per square foot is down 4.3% year over year. Confidence: Very High · 36 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.
21% of homes in Tesoro are owner-occupied. An estimated 79% are non-owner-occupied, including 58% held in a company or trust and 38% 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), 195 homes matched. Community-level context.
Recent Tesoro sales closed near 89.6% 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 25 active listings in Tesoro, 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 Strategic Marketing and Sales Co. · MLS # B26050534
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More on TESORO PLAT NO 4
Go deeper on TESORO PLAT NO 4
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 TESORO PLAT NO 4 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 128 SE Rio Angelica, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2006 (20 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 $790/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 3,912 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 $38,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $18,325 more per year than the current owner’s estimated bill (+89%). 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 within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| 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 128 SE Rio Angelica and when was it built?
Per the listing record, 128 SE Rio Angelica was built in 2006 and has 3,912 sq ft of living area, 4 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 128 SE Rio Angelica in?
128 SE Rio Angelica is in Tesoro Plat No 4 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 128 SE Rio Angelica have an HOA, and how much are the dues?
The listing reports HOA dues of $790 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 128 SE Rio Angelica differ from the current owner's?
The estimate on this page (about $38,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $18,325 more per year than the current owner’s estimated bill (+89%). 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 128 SE Rio Angelica 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.