Pending Single Family Residence
$450,000
3-Bedroom Home in PALM POINTE AT MARTIN DOW

3081 SW Solitaire Palm Drive, Palm City, FL 34990

Single Family Residence in PALM POINTE AT MARTIN DOW, Palm City · No CDD on record
PALM POINTE AT MARTIN DOW · Palm City, FL 34990 · Martin County
Listing data updated October 12, 2026 at 7:59 AM ET · checked against the MLS hourly
3Bedrooms
2.5Bathrooms
1,820Sq Ft
1999Year Built
$247Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
31% below
$/sq ft vs community
$247 here vs $356 median sold (12 mo)
Buyer leverage
Buyer advantage
129 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~18 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 2 of 12
Price vs recent sales
Asking $450k tops 2 of the last 12 closed sales

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

Highlights

As of October 12, 2026, 3081 SW Solitaire Palm Drive in Palm Pointe At Martin Dow, Palm City is listed at $450,000 (1,820 sq ft, about $247 per sq ft). It has been 129 days on market. Listing facts: built in 1999, HOA dues of $350/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 1999 · 27 yrs
  • 1,820 sq ft of living area
  • 2-car garage
  • Listed at $450,000 — recent neighborhood median sale price ~$645,000 (nearby sales; deemed reliable, not an appraisal)
  • 129 days on market
  • HOA $350/mo (per listing)
Listing description

About this home

This home is still being shown for" Back Up Offers" as active contract but with contingencies. Well priced and situated on a Private Preserve Lot! A 3 bedroom 2 1/2 bath home awaits your family boasting soaring ceilings, an open floor plan, spacious primary bedroom along with an oversized primary bath with separate shower and tub!

Additional 2 bedrooms and a full bath complete the second story! A buyer's piece of mind with over $20,000 of upgrades which includes:2023 AC, newer roof,2026 HW, exterior painted @5 years ago, hurricane accordion shutters, newer interior lights and fans plus a redone 1/2 bath! LOW HOA of $350 a month!

Palm Isles community features a pool, tennis courts and more! Conveniently located to shopping, Restaurants, Turnpike and 95 too! This home is a must-see value as lowest price home in community of Palm Isles where homes for sale are over $550,000!

Call today to see!

All 22 photos

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Description provided by Lang Realty/Jupiter and reproduced from the MLS; not independently verified.

Listing courtesy of Lang Realty/Jupiter · Listing agent: Linda A. Giannetti · 561-623-1238Provided via the BeachesMLS Internet Data Exchange · All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$450,000
Bed / bath3 / 2.5
Living area1,820 sq ft
Year built1999
Property typeSingle Family Residence
Garage2-car
MLS #A11989188
Listing statusPending

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~18 ft
CountyMartin
Estimated first-year tax~$6,200/yr
CDD assessmentNone on record
HOA$350/mo

Calculated estimates

Price per sq ft$247
Estimated monthly payment$3,562
Insurance (illustrative)$2k–$4k/yr
Messtimate range$602,420 – $684,320
Comparable-sales median$645,000

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

$3,562/mo
  • Principal & interest $2,493/mo 70%
  • Taxes $517/mo 15%
  • Insurance $203/mo 6%
  • HOA $350/mo 10%

$3,562/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.

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$6,200/yr
≈ $517/mo·effective rate ~1.38%
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 $3,600/yr ($300/mo) — taxable value $233,358 × 15.47 mills
$2,600 more each year
(+72%)

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
$160,202
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.
$393,560
Market value
$284,080
Assessed
$233,358
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.

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.

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–$4k/yr

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

HOA
$350/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
~18 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 · PALM POINTE AT MARTIN DOW

Pricing & the PALM POINTE AT MARTIN DOW market

How this home is priced against recent nearby sales, and where PALM POINTE AT MARTIN DOW 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.

Price per sq ft · this home vs. recent nearby salesThis homeThis home: $247/sq ft$247Palm CityPalm City: $293/sq ft$2932232 SW Brookhaven Way2232 SW Brookhaven Way: $331/sq ft$3312325 SW Strawberry Terra…2325 SW Strawberry Terrace: $340/sq ft$340Palm CityPalm City: $373/sq ft$3735950 SW Mapp Road5950 SW Mapp Road: $376/sq ft$3765148 SW Quail Hollow Str…5148 SW Quail Hollow Street: $879/sq ft$879Community median $356
Property timeline

This home’s history

  • 1999BuiltPer public record
  • About Jun 2026Listed (per MLS)MLS reports 129 cumulative days on market as of October 12, 2026
  • Aug 4, 2026First seen on movewithmomentum.comObserved at $450,000
  • 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.

Transparency

Price & listing history

Listed for $450,000Momentum Realty · on market 129 days
Public records

Building permits

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

Comparable recent sales

6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 6 sales: $645,000 ($356/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.

$602,420the mess$684,320

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: $450,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 14% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • 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 $350/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:

  • 621 active listings competing, 150 under contract

For reference, this home is listed at $450,000 ($247/sq ft). The list price is the seller's asking price and is not derived from this range.

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

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

Methodology: 1,820 sq ft × $331–$376/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 12, 2026.

Momentum Scores

Momentum Property Score

91/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional

91/100 is exceptional 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 area100
This home $247/sq ft vs the community 12-month median $356/sq ft.
Affordability100
List price $450,000 vs the community median $645,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~18 ft elevation. Verify the parcel with FEMA.
Insurance cost68
From FEMA Zone X and a 1999 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 $247 per square foot, about 31% below the community’s $356 median. PALM POINTE AT MARTIN DOW’s 12-month median sold price per square foot is $356. 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 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Lang Realty/Jupiter · MLS # A11989188

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Keep looking

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

Newest listings in PALM POINTE AT MARTIN DOW

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Go deeper

More on Martin County

Explore Martin County

Browse market data, schools, taxes, and homes for sale across the county.

Assigned schools

Assigned schools

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
Palm CityAssigned 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)
Nearby & guides

City, county & community guides

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

Before you decide

Buyer research checklist

Items worth confirming for 3081 SW Solitaire Palm Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1999 (27 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 $350/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 Martin County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,820 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 $6,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,600 more per year than the current owner’s estimated bill (+72%). 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 recordBeachesMLS, checked against the MLS hourly (last: October 12, 2026)
Comparable salesBeachesMLS closed sales within about 3 miles, last 18 months, as of October 12, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of BeachesMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 3081 SW Solitaire Palm Drive and when was it built?

Per the listing record, 3081 SW Solitaire Palm Drive was built in 1999 and has 1,820 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 3081 SW Solitaire Palm Drive in?

3081 SW Solitaire Palm Drive is in Palm Pointe At Martin Dow in Palm City, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 3081 SW Solitaire Palm Drive have an HOA, and how much are the dues?

The listing reports HOA dues of $350 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 3081 SW Solitaire Palm Drive differ from the current owner's?

The estimate on this page (about $6,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,600 more per year than the current owner’s estimated bill (+72%). 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 3081 SW Solitaire Palm Drive in a flood zone?

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

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the BeachesMLS Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: BeachesMLS, Inc.. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.