Villa in Riverwalk At Sands, Hutchinson Island · No CDD on record
Riverwalk At Sands · Hutchinson Island, FL 34949 · St. Lucie County
Listing data updated October 3, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,586Sq Ft
2002Year Built
$268Per Sq Ft
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.
7% below
$/sq ft vs community
$268 here vs $288 median sold (12 mo)
Buyer leverage
Seller-leaning
40 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~5 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 209 River Walk in Riverwalk At Sands, Hutchinson Island is listed at $425,000 (1,586 sq ft, about $268 per sq ft). It has been 40 days on market. Listing facts: built in 2002, HOA dues of $1,092/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 2002 · 24 yrs
1,586 sq ft of living area
Garage
Listed at $425,000 — recent neighborhood median sale price ~$447,500 (nearby sales; deemed reliable, not an appraisal)
40 days on market
HOA $1,092/mo (per listing)
Listing description
About this home
Rarely available 3-bedroom, 2-bath villa in The Sands on Hutchinson Island with a 2-car garage, private beach access and a protected community marina near the Fort Pierce Inlet. A boat slip is available for separate purchase, offering the opportunity to enjoy both beach and boating access in one community. This spacious villa features high ceilings, an open floor plan and an updated kitchen with quartz countertops and stainless-steel appliances.
A large screened courtyard with a private hot tub creates an inviting outdoor living space. Major updates include a 2021 roof, 2024 HVAC, 2023 water heater, 2023 washer and dryer, and stainless appliances from 2023/2024. The Sands also offers a community pool, pickleball and tennis courts.
All 46 photos
Description provided by Beach Front Mann Realty 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$425,000
Bed / bath3 / 2
Living area1,586 sq ft
Year built2002
Property typeVilla
GarageYes
MLS #M20056658
Listing status40 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~5 ft
CountySt. Lucie
Area listings2 active · 0 under contract
Estimated first-year tax~$8,575/yr
CDD assessmentNone on record
HOA$1,092/mo
Calculated estimates
Price per sq ft$268
Estimated monthly payment$4,316
Insurance (illustrative)$2k–$3k/yr
Messtimate range$417,118 – $758,108
Comparable-sales median$447,500
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
$4,316/mo
Principal & interest $2,326/mo54%
Taxes $715/mo17%
Insurance $183/mo4%
HOA $1,092/mo25%
$4,316/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × St. Lucie County rate (22.85 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 $6,725/yr ($560/mo) — taxable value $294,297 × 22.85 mills
$1,850 more each year
(+28%)
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
$126,403
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.
$420,700
Market value
$345,019
Assessed
$294,297
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.
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)
$2k–$3k/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
$1,092/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
~5 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 · Riverwalk At Sands
Pricing & the Riverwalk At Sands market
How this home is priced against recent nearby sales, and where Riverwalk At Sands 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.
Property timeline
This home’s history
2002BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 40 cumulative days on market as of October 3, 2026
Sep 9, 2026First seen on movewithmomentum.comObserved at $425,000
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 $425,000Momentum Realty · on market 40 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 Aug 2026
$475,000
223 River Walk #12, Fort Pierce
3 / 2 bd/ba · 1,586 sq ft · $299/sq ft
Courtesy of Coldwell Banker Paradise · View details →
Sold Aug 2026
$725,000
1560 Island Cove Road, Fort Pierce
3 / 3 bd/ba · 1,517 sq ft · $478/sq ft
Courtesy of Hutchinson Island Real Estate · View details →
Sold Sep 2026
$420,000
3223 S LAKEVIEW Circle #20-8, Hutchinson Island
3 / 2.5 bd/ba · 1,516 sq ft · $277/sq ft
Courtesy of Hutchinson Island Realty, LLC · View details →
Sold Mar 2026
$720,000
310 S Ocean Drive #B, Fort Pierce
2 / 2.5 bd/ba · 1,488 sq ft · $484/sq ft
Courtesy of Coastal Breeze Realty Corp · View details →
Sold Aug 2026
$300,000
906 Mariner Bay Boulevard, Hutchinson Island
3 / 2 bd/ba · 1,482 sq ft · $202/sq ft
Courtesy of Seawinds Realty · View details →
Sold May 2026
$390,000
1601 Mariner Bay Boulevard, Fort Pierce
3 / 2 bd/ba · 1,482 sq ft · $263/sq ft
Courtesy of Redfin Corporation · View details →
Median of these 6 sales: $447,500 ($288/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.
$417,118the mess$758,108
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: $425,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 82% 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 & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
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 $1,092/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing
For reference, this home is listed at $425,000 ($268/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.
Methodology: 1,586 sq ft × $263–$478/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 3, 2026.
Momentum Scores
Momentum Property Score
71/100
Strongest on: Flood safety (90), Insurance cost (70)
0 limited50100 exceptional
71/100 is strong 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 area67
This home $268/sq ft vs the community 12-month median $288/sq ft.
Affordability58
List price $425,000 vs the community median $447,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a 2002 build. Obtain a property-specific quote.
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.
Momentum Research
The Momentum read
🟡 Asking $268 per square foot, about 7% below the community’s $288 median. Riverwalk At Sands’s 12-month median sold price per square foot is $288. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
71% of homes in Riverwalk At Sands are owner-occupied. An estimated 29% are non-owner-occupied, including 0% held in a company or trust and 12% 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), 17 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Riverwalk At Sands, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Beach Front Mann Realty · MLS # M20056658
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Keep looking
Similar homes for sale near Riverwalk At Sands
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.
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 site is about 2 miles west of Riverwalk At Sands.
Costco clears zoning hurdle for Port St. Lucie warehouse
The Port St. Lucie City Council approved a zoning amendment on July 14, 2026 for a 158,000 square foot Costco warehouse in the Southern Grove development at SW Village Parkway and Marshall Parkway. The store would include a tire center, liquor sales, outdoor seasonal sales, and a fuel station with 32 pumping positions, targeting a 2027 opening. The 22.8 acre parcel sold to Costco for 6 million dollars in March 2026.
Why it matters: A large format warehouse retailer and fuel station would expand shopping capacity in the Southern Grove commercial area. The project is about 14 miles southwest of Riverwalk At Sands, elsewhere in St. Lucie County.
Port St. Lucie weighs commercial rezoning in Tradition
A final City Council vote was set for July 14, 2026 on rezoning about 9.5 acres at Crosstown Parkway and SW Fairgreen Drive in Tradition from residential to commercial, a request by Winding River Crosstown LLC to allow retail and office development. The Planning and Zoning Board recommended approval in May with conditions including a landscape buffer and architectural wall along residential borders.
Why it matters: The rezoning would add commercial retail and office capacity along the Crosstown Parkway corridor in Tradition. The project is about 11 miles southwest of Riverwalk At Sands, elsewhere in St. Lucie County.
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 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.
GRADEA
WeatherbeeAssigned elementary school · St. Lucie County School District · Grade A (Florida DOE 2025-26)
GRADEC
Fort Pierce Westwood AcademyAssigned high school · St. Lucie County School District · Grade C (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 209 River Walk, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2002 (24 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 $1,092/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.
Listed living area is 1,586 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 $8,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,850 more per year than the current owner’s estimated bill (+28%). 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, refreshed hourly (last: October 3, 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.
Answered before you ask
Frequently asked questions
How big is 209 River Walk and when was it built?
Per the listing record, 209 River Walk was built in 2002 and has 1,586 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 209 River Walk in?
209 River Walk is in Riverwalk At Sands in Hutchinson Island, St. Lucie County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 209 River Walk have an HOA, and how much are the dues?
The listing reports HOA dues of $1,092 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 209 River Walk differ from the current owner's?
The estimate on this page (about $8,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,850 more per year than the current owner’s estimated bill (+28%). 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 209 River Walk 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.
Ready when you are
See 209 River Walk 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.
