145 days on market (MLS)Single Family Residence▼ Price cut: $23,000 (8/20)
$674,999
4-Bedroom Pool Home in PALM POINTE AT MARTIN DOWNS (AKA MARTIN DOWNS PLAT
3189 SW Solitaire Palm Drive, Palm City, FL 34990
Single Family Residence in PALM POINTE AT MARTIN DOWNS (AKA MARTIN DOWNS PLAT, Palm City · No CDD on record
PALM POINTE AT MARTIN DOWNS (AKA MARTIN DOWNS PLAT · Palm City, FL 34990 · Martin County
Listing data updated October 10, 2026 at 7:40 AM ET · checked against the MLS hourly
4Bedrooms
2.5Bathrooms
2,353Sq Ft
2000Year Built
$287Per Sq Ft
Private pool2-car garageNo CDD on recordFEMA Zone X4 bedrooms
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.
in line with
$/sq ft vs community
$287 here vs $288 median sold (12 mo)
Buyer leverage
Strong buyer advantage
145 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~18 ft elevation
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 10, 2026, 3189 SW Solitaire Palm Drive in Palm Pointe At Martin Downs (Aka Martin Downs Plat, Palm City is listed at $674,999 (2,353 sq ft, about $287 per sq ft). It has been 145 days on market. Listing facts: built in 2000, a private pool, HOA dues of $325/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 2000 · 26 yrs
2,353 sq ft of living area
2-car garage
Listed at $674,999 — recent neighborhood median sale price ~$676,500 (nearby sales; deemed reliable, not an appraisal)
145 days on market
HOA $325/mo (per listing)
Listing description
About this home
Palm City living at its finest in coveted Palm Pointe! Rarely available, and one of the only fully renovated homes in this intimate community. This 4BR/2.5BA CBS pool home showcases exceptional craftsmanship and upscale design throughout, with over $90,000 in curated upgrades!
Situated on a lush corner lot... 2020 roof, impact windows, low HOA, and resort-style amenities. Stunning reimagined chef's kitchen with custom wood cabinetry, oversized island & wine cooler, new appliances, and enhanced layout.
Luxurious primary bath offers a spa-inspired walk-in shower with frameless glass, large-format tile, quartz vanity, and designer finishes. A Gorgeous custom closet system, updated lighting, plumbing, electrical, fresh interior paint, upgraded garage flooring, & refreshed outdoor spaces.
All 47 photos
Description provided by Divito Real Estate Group 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$674,999
Bed / bath4 / 2.5
Living area2,353 sq ft
Year built2000
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #B26021560
Listing status145 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~18 ft
CountyMartin
Area listings2 active · 0 under contract
Estimated first-year tax~$9,675/yr
CDD assessmentNone on record
HOA$325/mo
Calculated estimates
Price per sq ft$287
Estimated monthly payment$5,170
Insurance (illustrative)$2k–$5k/yr
Messtimate range$531,778 – $760,019
Comparable-sales median$676,500
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
$5,170/mo
Principal & interest $3,739/mo72%
Taxes $806/mo16%
Insurance $300/mo6%
HOA $325/mo6%
$5,170/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 $7,075/yr ($590/mo) — taxable value $456,970 × 15.47 mills
$2,600 more each year
(+37%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$456,970
Market value
$456,970
Assessed
$456,970
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–$5k/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
$325/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 Downs (Aka Martin Downs Plat
Pricing & the Palm Pointe At Martin Downs (Aka Martin Downs Plat market
How this home is priced against recent nearby sales, and where Palm Pointe At Martin Downs (Aka Martin Downs Plat 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
2000BuiltPer public record
About May 2026Listed (per MLS)MLS reports 145 cumulative days on market as of October 10, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $697,999
Aug 20, 2026Price cut$674,999 (-$23,000, -3.3%)
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 $674,999Momentum Realty · on market 145 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
$532,000
2795 SW Mill Creek Way, Palm City
4 / 2.5 bd/ba · 2,353 sq ft · $226/sq ft
Courtesy of Heyward + Company Real Estate · View details →
Sold Aug 2026
$532,000
2795 SW Mill Creek Way, Palm City
4 / 2.5 bd/ba · 2,353 sq ft · $226/sq ft
Courtesy of Heyward + Company Real Estate · View details →
Sold Jul 2026
$762,000
4850 SW Lake Grove Circle, Palm City
3 / 2.5 bd/ba · 2,359 sq ft · $323/sq ft
Courtesy of RE/MAX of Stuart - Palm City · View details →
Sold Feb 2026
$608,000
3521 SW Bimini Circle, Palm City
3 / 2 bd/ba · 2,347 sq ft · $259/sq ft
Courtesy of RE/MAX of Stuart · View details →
Sold Apr 2026
$745,000
1022 SW Tiburon Way, Palm City
3 / 2 bd/ba · 2,342 sq ft · $318/sq ft
Courtesy of Coldwell Banker Realty · View details →
Sold Dec 2025
$890,000
2221 SW Whitemarsh Way, Palm City
5 / 3 bd/ba · 2,338 sq ft · $381/sq ft
Courtesy of Premier Brokers International · View details →
Median of these 6 sales: $676,500 ($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.
$531,778the mess$760,019
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: $674,999 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 43% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 2000 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 $325/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing, 1 under contract
≈12.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $674,999 ($287/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: 2,353 sq ft × $226–$323/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 10, 2026.
Momentum Scores
Momentum Property Score
60/100
Strongest on: Flood safety (95), Insurance cost (69)
0 limited50100 exceptional
60/100 is solid, mid-pack 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 area51
This home $287/sq ft vs the community 12-month median $288/sq ft.
Affordability50
List price $674,999 vs the community median $676,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~18 ft elevation. Verify the parcel with FEMA.
Insurance cost69
From FEMA Zone X and a 2000 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Coverage: 5 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 $287 per square foot, about in line with the community’s $288 median. Palm Pointe At Martin Downs (Aka Martin Downs Plat’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.
84% of homes in Palm Pointe At Martin Downs (Aka Martin Downs Plat are owner-occupied. An estimated 16% are non-owner-occupied, including 1% held in a company or trust and 5% 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), 75 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Palm Pointe At Martin Downs (Aka Martin Downs Plat, no CDD assessment.
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Divito Real Estate Group · MLS # B26021560
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Keep looking
Similar homes for sale near PALM POINTE AT MARTIN DOWNS (AKA MARTIN DOWNS PLAT
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 Palm Pointe At Martin Downs Aka Martin Downs Plat news
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 3 miles north of Palm Pointe At Martin Downs Aka Martin Downs Plat.
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 20 miles southeast of Palm Pointe At Martin Downs Aka Martin Downs Plat, 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 project is about 10 miles east of Palm Pointe At Martin Downs Aka Martin Downs Plat, elsewhere in Martin County.
More on PALM POINTE AT MARTIN DOWNS (AKA MARTIN DOWNS PLAT
Go deeper on PALM POINTE AT MARTIN DOWNS (AKA MARTIN DOWNS PLAT
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
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)
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 3189 SW Solitaire Palm Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2000 (26 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 $325/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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,353 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 $9,675/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 (+37%). 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 10, 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 3189 SW Solitaire Palm Drive and when was it built?
Per the listing record, 3189 SW Solitaire Palm Drive was built in 2000 and has 2,353 sq ft of living area, 4 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 3189 SW Solitaire Palm Drive in?
3189 SW Solitaire Palm Drive is in Palm Pointe At Martin Downs (Aka Martin Downs Plat in Palm City, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3189 SW Solitaire Palm Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $325 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 3189 SW Solitaire Palm Drive differ from the current owner's?
The estimate on this page (about $9,675 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 (+37%). 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 3189 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.
Ready when you are
See 3189 SW Solitaire Palm Drive 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.
