21833 SW Tivolo Way, Port St. Lucie, FL 34986
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 21, 2026, 21833 SW Tivolo Way in Verano Pud No. 1 Plat No. 17, Port St. Lucie is listed at $975,000 (3,000 sq ft, about $325 per sq ft). It has been 175 days on market. Listing facts: built in 2018, a private pool, waterfront, HOA dues of $604/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 2018 · 8 yrs
- 3,000 sq ft of living area
- 2-car garage
- Listed at $975,000 — recent neighborhood median sale price ~$618,240 (nearby sales; deemed reliable, not an appraisal)
- 175 days on market
- HOA $604/mo (per listing)
About this home
Home is being sold AS IS - NO REPAIRS will be done and NO CREDITS will be given. FULL PRICE OFFERS ONLY with BUYER PAYING TITLE. Experience elevated Florida living in this 3-bedroom, 3-bathroom lakefront pool home located in the highly sought-after PGA Verano community.
At the heart of the home is a stunning $200,000 kitchen remodel featuring premium Wolf appliances, a Sub-Zero refrigerator, separate Sub-Zero beverage fridge and ice maker, a 145-bottle wine fridge, Bosch dishwasher, and a striking arched window addition that enhances both natural light and architectural appeal. The home continues to impress with a resort-style outdoor living space, including a designer tile swimming pool, expansive 15-person spa, and a custom travertine pool deck. Additional big-ticket upgrades include a new pool pump and special impact/safety windows surrounding the pool area, providing both peace of mind and luxury outdoor living.
Designed with both comfort and style in mind, this residence offers a seamless open-concept floor plan that effortlessly connects the living, dining, and kitchen areas—perfect for entertaining and everyday living. Inside, the home is loaded with high-end finishes including custom plantation shutters, custom closet built-ins throughout, and a built-in office workspace. Upgraded lighting fixtures and fans add a modern touch, while upgraded wood flooring in the bedrooms enhances warmth and sophistication.
The garage is equally impressive, featuring custom metal storage cabinetry for optimal organization. Residents of PGA Verano enjoy access to world-class amenities, including a resort-style clubhouse, state-of-the-art fitness center, tennis courts, and scenic walking trails. Conveniently located near shopping, dining, and major highways, this home offers the perfect balance of luxury, convenience, and waterfront community living.
All 87 photos
Description provided by Keller Williams Realty of PSL and reproduced from the MLS; not independently verified.
Provided via the BeachesMLS Internet Data Exchange · All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $5,401/mo 67%
- Taxes $1,762/mo 22%
- Insurance $310/mo 4%
- HOA $604/mo 7%
$8,078/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 21833 Sw Tivolo 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 $9,125/yr (certified county roll, taxable value × millage). Buy at the asking price of $975,000 and the first-year bill resets to about $21,150/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 | $604/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Lucie County is $2,332/yr (2,890 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$5,500/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 2018. An original roof is about 8 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $2,561/month (tax $1,762, HOA $604, 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 VERANO PUD NO. 1 PLAT NO. 17 market
How this home is priced against recent nearby sales, and where VERANO PUD NO. 1 PLAT NO. 17 has been over 25 years. Momentum Research analysis of BeachesMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2018BuiltPer public record
- About Apr 2026Listed (per MLS)MLS reports 175 cumulative days on market as of October 21, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $875,000
- Sep 12, 2026Price increase$975,000 (+$100,000, +11.4%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales 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: $618,240 ($214/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,982 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-20.
Actual list price: $975,000 ($325/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 19% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — this home carries HOA dues of $604/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 899 active listings competing, 207 under contract
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (1 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 21, 2026.
Momentum Property Score
42/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $325 per square foot, about 52% above the community’s $214 median. VERANO PUD NO. 1 PLAT NO. 17’s 12-month median sold price per square foot is $214. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Keller Williams Realty of PSL · MLS # B26008976
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More on St. Lucie County
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Browse market data, schools, taxes, and homes for sale across the county.
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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 21833 SW Tivolo Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2018: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $604/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 3,000 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 $21,150/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,025 more per year than the current owner’s estimated bill (+132%). 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 21, 2026) |
| Comparable sales | BeachesMLS closed sales within about 3 miles, last 18 months, as of October 21, 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 21833 SW Tivolo Way and when was it built?
Per the listing record, 21833 SW Tivolo Way was built in 2018 and has 3,000 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 21833 SW Tivolo Way in?
21833 SW Tivolo Way is in Verano Pud No. 1 Plat No. 17 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 21833 SW Tivolo Way have an HOA, and how much are the dues?
The listing reports HOA dues of $604 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 21833 SW Tivolo Way differ from the current owner's?
The estimate on this page (about $21,150 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $12,025 more per year than the current owner’s estimated bill (+132%). 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 21833 SW Tivolo Way 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.