47 days on market (MLS)Single Family Residence▼ Price cut: $5,000 (9/30)
$384,900
4-Bedroom Home in SEAGROVE PUD
3395 Cedar Grove Drive, Fort Pierce, FL 34946
Single Family Residence in SEAGROVE PUD, Fort Pierce · No CDD on record · Built 2025
SEAGROVE PUD · Fort Pierce, FL 34946 · St. Lucie County
Listing data updated October 13, 2026 at 10:59 AM ET · checked against the MLS hourly
4Bedrooms
2.5Bathrooms
1,831Sq Ft
2025Year Built
$210Per Sq Ft
2-car garageNo CDD on record4 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.
4% above
$/sq ft vs community
$210 here vs $202 median sold (12 mo)
Buyer leverage
Strong buyer advantage
47 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~1 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 3395 CEDAR GROVE Drive in Seagrove Pud, Fort Pierce is listed at $384,900 (1,831 sq ft, about $210 per sq ft). That sits within a few percent of Seagrove Pud's median closed sale of $350,000 over the last 12 months (41 recorded sales). It has been 47 days on market, longer than the community's typical 20 days to contract. Listing facts: built in 2025, HOA dues of $258/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2025 · 1 yrs
1,831 sq ft of living area
2-car garage
Listed at $384,900 — recent neighborhood median sale price ~$350,000 (nearby sales; deemed reliable, not an appraisal)
47 days on market
HOA $258/mo (per listing)
Listing description
About this home
This immaculate 4BR/2.5BA residence boasts premium upgrades throughout, highlighting full impact glass, custom tile flooring, and a screened lanai with brushed marble pavers. Nestled near the Intracoastal Waterway, the property features a private oasis that ensures ultimate tranquility. Relax on your stone patio that blends seamlessly into the surrounding nature preserve.
Skip the build times and step directly into this fully upgraded masterpiece! A must see to appreciate all the upgrades. Enjoy exclusive resort-style amenities every day.
Pools, Splashpad, Gym, Tennis, Volleyball, Dog Parks and more! Minutes from our beautiful beaches too! Call today to see and fall in love!
All 52 photos
Description provided by Coastal Breeze Realty Corp 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$384,900
Bed / bath4 / 2.5
Living area1,831 sq ft
Year built2025
Property typeSingle Family Residence
Garage2-car
MLS #B26068844
Listing status47 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~1 ft
CountySt. Lucie
Area listings1 active · 1 under contract
Estimated first-year tax~$4,041/yr
CDD assessmentNone on record
HOA$258/mo
Calculated estimates
Price per sq ft$210
Estimated monthly payment$2,830
Insurance (illustrative)$1k–$2k/yr
Messtimate range$327,749 – $421,130
Comparable-sales median$350,000
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
$2,830/mo
Principal & interest $2,132/mo75%
Taxes $337/mo12%
Insurance $104/mo4%
HOA $258/mo9%
$2,830/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
What it really costs to own 3395 Cedar Grove Drive
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 $3,147/yr per the MLS listing record (TaxAnnualAmount, 2026-10-13). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed.
HOA dues
$258/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 $1,000–$2,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2025. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $715/month (tax $262, HOA $258, insurance $194). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,041/yr
Estimate: a typical St. Lucie effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$258/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~1 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 · SEAGROVE PUD
Pricing & the SEAGROVE PUD market
How this home is priced against recent nearby sales, and where SEAGROVE PUD 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.
Price vs. size in SEAGROVE PUD
Each dot is a closed sale since 2024 (81 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.
Property timeline
This home’s history
2025BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 47 cumulative days on market as of October 13, 2026
Aug 27, 2026First seen on movewithmomentum.comObserved at $389,900
Sep 30, 2026Price cut$384,900 (-$5,000, -1.3%)
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 $384,900Momentum Realty · on market 47 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
$565,000
4105 Smokey Pines Court, Fort Pierce
3 / 2.5 bd/ba · 1,825 sq ft · $310/sq ft
Courtesy of Pare Realty, Inc. · View details →
Sold Sep 2026
$325,000
6204 Spring Lakes Terrace, Fort Pierce
4 / 2 bd/ba · 1,814 sq ft · $179/sq ft
Courtesy of BEX Realty · View details →
Sold Aug 2026
$384,000
2973 Spanish Cedar Place, Fort Pierce
4 / 3 bd/ba · 1,884 sq ft · $204/sq ft
Courtesy of Lennar Realty · View details →
Sold Aug 2026
$384,000
2973 Spanish Cedar Place, Fort Pierce
4 / 3 bd/ba · 1,884 sq ft · $204/sq ft
Courtesy of Lennar Realty · View details →
Sold Sep 2026
$406,000
6100 SANTA MARGARITO Drive, Fort Pierce
3 / 2 bd/ba · 1,766 sq ft · $230/sq ft
Courtesy of Keller Williams Realty of Vero · View details →
Sold Jun 2026
$289,900
5427 Place Lake Drive, Fort Pierce
3 / 2 bd/ba · 1,766 sq ft · $164/sq ft
Courtesy of RE/MAX Gold · View details →
Median of these 6 sales: $350,000 ($202/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.
$327,749the mess$421,130
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: $384,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% 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 $258/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:
This home: 47 days on market vs. a 20-day community median
5 active listings competing
≈12.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $384,900 ($210/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: 1,831 sq ft × $179–$230/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 13, 2026.
Momentum Scores
Momentum Property Score
45/100
Strongest on: Pricing power (61), Market liquidity (47)
0 limited50100 exceptional
45/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area40
This home $210/sq ft vs the community 12-month median $202/sq ft.
Affordability33
List price $384,900 vs the community median $350,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~1 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2025 build. Obtain a property-specific quote.
Market liquidity47
Community median 20 days on market, ~12.0 months of supply (12-month record).
Pricing power61
Recent sales closed at about 95.9% of original asking (~4.1% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $210 per square foot, about 4% above the community’s $202 median. SEAGROVE PUD’s 12-month median sold price per square foot is $202. Median sold price per square foot is up 0.0% year over year. Confidence: Very High · 41 closed sales in 12 monthsMLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent SEAGROVE PUD sales closed near 95.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of BeachesMLS records, community-level, 12 months ending August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in SEAGROVE PUD, no CDD assessment.
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3395 CEDAR GROVE Drive?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by Coastal Breeze Realty Corp · MLS # B26068844
Request a showing
Keep looking
Similar homes for sale near SEAGROVE PUD
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Port St. Lucie board considers rezoning for up to 1,200 homes at Wilson Grove
The Planning and Zoning Board took up a rezoning of nearly 360 acres of agricultural land north of SW Becker Road, between SW Sundance Vista Boulevard and Rangeline Road, to a master planned unit development. The concept plan allows up to 1,200 homes plus parks, lakes and clubhouses. City Council would vote later in October.
Why it matters: Up to 1,200 new homes in western Port St. Lucie would add housing supply and increase traffic demand on Becker Road. The project is about 24 miles south of Seagrove Pud, elsewhere in St. Lucie County.
Buc-ee's at I-95 and Indrio Road finishes county planning, awaits state approvals
The planned travel center would be about 76,000 square feet with roughly 120 fuel pumps at Interstate 95 and Indrio Road near Fort Pierce. County planning is complete, but FDOT and DEP approvals are still needed. Nearby proposals include Indrio Town Center on about 85 acres and Indrio Groves with more than 3,000 homes.
Why it matters: A large travel center would add retail and fuel access at the I-95 interchange and draw further development interest along Indrio Road. The site is about 8 miles south of Seagrove Pud.
Indian River County weighs proposed third hospital near State Road 60 and 66th Avenue
Commissioners discussed a proposed hospital of about 250,000 square feet and five stories on a 75-acre holding near State Road 60 and 66th Avenue in Vero Beach. Current limits are 35 feet and 60,000 square feet, so a special exemption and comprehensive plan changes would be needed. No approval has been given, and the board planned to revisit it October 6.
Why it matters: A western hospital campus would add healthcare capacity and could shorten emergency response times for western Vero Beach, if approved. The site is about 8 miles west of Seagrove Pud.
St. Lucie County reviews updated Port of Fort Pierce master plan with mega-yacht marina and spaceport recovery facility
The 2026 master plan for the Port of Fort Pierce proposes a mega-yacht marina, a spaceport recovery facility, expanded boat ramps and restaurants, with a marine commercial district at Harbour Pointe. County officials say nearly 15,000 registered boats compete for 147 trailer parking spaces near the inlet. The plan is under county review and Fort Pierce holds final approval.
Why it matters: Added boat ramp parking and marine commercial space would expand waterfront access and dining options near the Fort Pierce Inlet over a multi-year timeline. The project is about 10 miles south of Seagrove Pud, 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.
School zoningThis address is in the St. Lucie County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 3395 CEDAR GROVE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $258/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in St. Lucie County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,831 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 $4,041/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
BeachesMLS, checked against the MLS hourly (last: October 13, 2026)
Comparable sales
BeachesMLS closed sales within about 3 miles, last 18 months, as of August 10, 2026
Typical county effective rate applied to the list price; 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 3395 CEDAR GROVE Drive and when was it built?
Per the listing record, 3395 CEDAR GROVE Drive was built in 2025 and has 1,831 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 3395 CEDAR GROVE Drive in?
3395 CEDAR GROVE Drive is in Seagrove Pud in Fort Pierce, St. Lucie County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3395 CEDAR GROVE Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $258 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 3395 CEDAR GROVE Drive differ from the current owner's?
The estimate on this page (about $4,041 per year) assumes reassessment at the list price less the homestead exemption. 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 3395 CEDAR GROVE Drive in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3395 CEDAR GROVE 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.
