1-Bedroom Condo in PINE RIDGE AT MARTIN DOWNS CONDO
1485 SW Silver Pine Way, Palm City, FL 34990
Condominium in PINE RIDGE AT MARTIN DOWNS CONDO, Palm City · No CDD on record
PINE RIDGE AT MARTIN DOWNS CONDO · Palm City, FL 34990 · Martin County
Listing data updated October 14, 2026 at 3:07 PM ET · checked against the MLS hourly
Listed by Laviano & Associates Real Esta (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
1Bedrooms
1Bathrooms
842Sq Ft
1986Year Built
$220Per Sq Ft
No CDD on record
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.
51% above
$/sq ft vs community
$220 here vs $146 median sold (12 mo)
Buyer leverage
Strong buyer advantage
142 days on market
21.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~2 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 14, 2026, 1485 SW Silver Pine Way in Pine Ridge At Martin Downs Condo, Palm City is listed at $185,000 (842 sq ft, about $220 per sq ft). That sits within a few percent of Pine Ridge At Martin Downs Condo's median closed sale of $184,000 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $146/sq ft by about 51%. It has been 142 days on market, longer than the community's typical 69 days to contract. Listing facts: built in 1986, HOA dues of $450/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1986 · 40 yrs
842 sq ft of living area
Listed at $185,000 — recent neighborhood median sale price ~$184,000 (nearby sales; deemed reliable, not an appraisal)
142 days on market
HOA $450/mo (per listing)
Listing description
About this home
First floor, one bedroom, in highly sought after Pine Ridge built by H. R. Hovnanian, but this one overlooks the amenities!
Cannot duplicate that location, right next to the pool. Centrally located in Palm City - can walk to new Old Palm City for Ice Crean, Pizza, Fine Dining, Food Trucks, Concerts and more, or motor off to many more restaurant additions near our quick access to Turnpike and Int 95. The best unit, in the best place to be, come see for yourself.
All 15 photos
Description provided by Laviano & Associates Real Esta and reproduced from the MLS; not independently verified.
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$185,000
Bed / bath1 / 1
Living area842 sq ft
Year built1986
Property typeCondominium
MLS #B26034101
Listing status142 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~2 ft
CountyMartin
Area listings7 active · 3 under contract
Estimated first-year tax~$2,100/yr
CDD assessmentNone on record
HOA$450/mo
Calculated estimates
Price per sq ft$220
Estimated monthly payment$1,750
Insurance (illustrative)$1k–$2k/yr
Messtimate range$169,242 – $224,814
Comparable-sales median$184,000
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
$1,750/mo
Principal & interest $1,025/mo59%
Taxes $175/mo10%
Insurance $100/mo6%
HOA $450/mo26%
$1,750/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Martin County rate (15.47 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property 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.
Current owner’s estimated bill $1,675/yr ($140/mo) — taxable value $108,418 × 15.47 mills
$425 more each year
(+25%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$35,382
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$143,800
Market value
$108,418
Assessed
$108,418
Taxable
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.
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 1485 Sw Silver Pine Way
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 $1,675/yr (certified county roll, taxable value × millage). Buy at the asking price of $185,000 and the first-year bill resets to about $2,100/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.47 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$450/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 Martin County is $2,580/yr (1,552 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 $1,000–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1986. An original roof would be about 40 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 $840/month (tax $175, HOA $450, insurance $215). 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.
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)
$1k–$2k/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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$450/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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~2 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Martin 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 Martin County, FL: overall Relatively Moderate. 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 Low
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively High
DroughtRelatively Low
HailRelatively 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 · Pine Ridge At Martin Downs Condo
Pricing & the Pine Ridge At Martin Downs Condo market
How this home is priced against recent nearby sales, and where Pine Ridge At Martin Downs Condo 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.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $220/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
Property timeline
This home’s history
1986BuiltPer public record
About May 2026Listed (per MLS)MLS reports 142 cumulative days on market as of October 14, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $185,000
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 $185,000Momentum Realty · on market 142 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.
Sold Apr 2026
$165,000
2600 S Kanner Highway #Q8, Stuart
2 / 1.5 bd/ba · 820 sq ft · $201/sq ft
Courtesy of RE/MAX Gold · View details →
Sold Jun 2026
$140,000
2600 S Kanner Highway #A5, Stuart
2 / 2 bd/ba · 820 sq ft · $171/sq ft
Courtesy of RE/MAX of Stuart · View details →
Sold May 2026
$219,000
2600 S Kanner Highway #K2, Stuart
2 / 1.5 bd/ba · 820 sq ft · $267/sq ft
Courtesy of Century 21 Move with Us · View details →
Sold Mar 2026
$220,000
2600 S Kanner Highway #S2, Stuart
2 / 1.5 bd/ba · 820 sq ft · $268/sq ft
Courtesy of Century 21 Move with Us · View details →
Sold Mar 2026
$187,000
2600 S Kanner Highway #Y5, Stuart
2 / 1.5 bd/ba · 820 sq ft · $228/sq ft
Courtesy of Paradise Homes Realty of the T · View details →
Sold Feb 2026
$172,000
211 SW South River Drive #205, Stuart
1 / 1.5 bd/ba · 820 sq ft · $210/sq ft
Courtesy of LPT Realty, LLC · View details →
Median of these 6 sales: $184,000 ($146/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Scores
Momentum Property Score
40/100
Strongest on: Pricing power (95), Affordability (49)
0 limited50100 exceptional
40/100 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 $220/sq ft vs the community 12-month median $146/sq ft.
Affordability49
List price $185,000 vs the community median $184,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~2 ft elevation. Verify the parcel with FEMA.
Insurance cost24
From FEMA Zone AE and a 1986 build. Obtain a property-specific quote.
Market liquidity27
Community median 70 days on market, ~21.0 months of supply (12-month record).
Pricing power95
Recent sales closed at about 88.9% of original asking (~11.1% below). More room below asking generally favors buyers.
Coverage: 6 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.
🟡 Asking $220 per square foot, about 51% above the community’s $146 median. Pine Ridge At Martin Downs Condo’s 12-month median sold price per square foot is $146. Median sold price per square foot is down 6.4% year over year. 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.
Recent Pine Ridge At Martin Downs Condo sales closed near 88.9% 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 7 active listings in Pine Ridge At Martin Downs Condo, no CDD assessment.
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Laviano & Associates Real Esta · MLS # B26034101
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Keep looking
Similar homes for sale near PINE RIDGE AT MARTIN DOWNS CONDO
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.
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 about 6 miles northwest of Pine Ridge At Martin Downs Condo.
Martin County approves limited-industrial zoning on Southeast Powerline Avenue in Hobe Sound
Commissioners voted 3-2 to rezone a property along Southeast Powerline Avenue to limited-industrial, a less intensive class than the general industrial designation first proposed. The county said the existing zoning was outdated and that no data center is planned. Any proposal over 100,000 square feet would need board approval.
Why it matters: Limited-industrial zoning could add light industrial space and local jobs in Hobe Sound while capping the scale of future uses. The project is about 17 miles southeast of Pine Ridge At Martin Downs Condo, elsewhere in Martin County.
Federal government awards $79 million for St. Lucie River Bridge replacement in Stuart; Brightline station grant denied
The century-old St. Lucie River Bridge replacement received $79 million in federal funding. The federal Intercity Passenger Rail Program did not fund a proposed Brightline station in downtown Stuart. Martin County said it welcomed the bridge funding.
Why it matters: Bridge replacement funding supports a key rail and river crossing, while the denied grant leaves the timing of a Stuart passenger rail stop uncertain. The site is about 9 miles east of Pine Ridge At Martin Downs Condo.
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.
Schools currently assigned to this address in Martin 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.
GRADEA
Bessey CreekAssigned elementary school · Martin County School District · Grade A (Florida DOE 2025-26)
GRADEA
Hidden OaksAssigned middle school · Martin County School District · Grade A (Florida DOE 2025-26)
GRADEB
Martin CountyAssigned high school · Martin County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 1485 SW Silver Pine Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1986 (40 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Martin County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 842 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 $2,100/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $425 more per year than the current owner’s estimated bill (+25%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
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
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.
Answered before you ask
Frequently asked questions
How big is 1485 SW Silver Pine Way and when was it built?
Per the listing record, 1485 SW Silver Pine Way was built in 1986 and has 842 sq ft of living area, 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1485 SW Silver Pine Way in?
1485 SW Silver Pine Way is in Pine Ridge At Martin Downs Condo in Palm City, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1485 SW Silver Pine Way have an HOA, and how much are the dues?
The listing reports HOA dues of $450 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 1485 SW Silver Pine Way differ from the current owner's?
The estimate on this page (about $2,100 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $425 more per year than the current owner’s estimated bill (+25%). 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 1485 SW Silver Pine Way in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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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See 1485 SW Silver Pine Way in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
