Single Family Residence in SEAGATE HARBOR, Palm City · No CDD on record
SEAGATE HARBOR · Palm City, FL 34990 · Martin County
Listing data updated October 14, 2026 at 3:09 PM ET · checked against the MLS hourly
Listed by RE/MAX of Stuart (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2.5Bathrooms
2,635Sq Ft
1988Year Built
$302Per Sq Ft
1-car garageNo CDD on record
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
$302 here vs $298 median sold (12 mo)
Buyer leverage
Seller-leaning
47 days on market
2.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 14, 2026, 521 SW MARION Court in Seagate Harbor, Palm City is listed at $795,000 (2,635 sq ft, about $302 per sq ft). It has been 47 days on market. Listing facts: built in 1988, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1988 · 38 yrs
2,635 sq ft of living area
1-car garage
Listed at $795,000 — recent neighborhood median sale price ~$778,500 (nearby sales; deemed reliable, not an appraisal)
47 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Luxury living in the desirable boating community of Seagate Harbor! This beautifully updated home offers light-filled living spaces, an oversized screened lanai, and a spacious backyard with room for a custom pool. The chef's kitchen features a Thermador 6-burner gas range with griddle, double ovens, white shaker cabinetry, designer granite countertops, center island, and bay window.
The primary suite offers a spa-inspired bath with soaking tub, glass shower, and dual vanities. Three spacious bedrooms feature vaulted ceilings and abundant natural light. Possible 4th bedroom.
Additional highlights include porcelain flooring, renovated baths, metal roof, circular driveway, RV/boat parking. Voluntary association ($150/year) includes a private boat ramp with ocean access
All 53 photos
Description provided by RE/MAX of Stuart 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$795,000
Bed / bath3 / 2.5
Living area2,635 sq ft
Year built1988
Property typeSingle Family Residence
Garage1-car
MLS #B26063360
Listing status47 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~6 ft
CountyMartin
Area listings2 active · 1 under contract
Estimated first-year tax~$11,525/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$302
Estimated monthly payment$5,784
Insurance (illustrative)$4k–$8k/yr
Messtimate range$671,925 – $806,310
Comparable-sales median$778,500
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
$5,784/mo
Principal & interest $4,404/mo76%
Taxes $960/mo17%
Insurance $420/mo7%
$5,784/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 $9,650/yr ($804/mo) — taxable value $623,520 × 15.47 mills
$1,875 more each year
(+19%)
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.
$623,520
Market value
$623,520
Assessed
$623,520
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.
What it really costs to own 521 Sw Marion Court
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 $9,650/yr (certified county roll, taxable value × millage). Buy at the asking price of $795,000 and the first-year bill resets to about $11,525/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.47 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Martin County is $2,580/yr (1,552 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 $3,500–$7,500/yr; neither is a quote.
Roof and age
Built in 1988. An original roof would be about 38 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $1,175/month (tax $960, insurance $215). 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.
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)
$4k–$8k/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 not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~6 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 · Seagate Harbor
Pricing & the Seagate Harbor market
How this home is priced against recent nearby sales, and where Seagate Harbor 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
1988BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 47 cumulative days on market as of October 14, 2026
Aug 28, 2026First seen on movewithmomentum.comObserved at $795,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $795,000Momentum 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 Apr 2026
$772,000
2201 SW Bradford Place, Palm City
3 / 3 bd/ba · 2,629 sq ft · $294/sq ft
Courtesy of Illustrated Properties · View details →
Sold Apr 2026
$675,000
2281 SW Starling Drive, Palm City
4 / 3 bd/ba · 2,648 sq ft · $255/sq ft
Courtesy of Echo Fine Properties · View details →
Sold Dec 2025
$785,000
1447 SW Peninsula Lane, Palm City
4 / 3 bd/ba · 2,609 sq ft · $301/sq ft
Courtesy of RE/MAX Gold · View details →
Sold Sep 2026
$1,100,000
1310 NW LAKESIDE Trail, Stuart
4 / 3 bd/ba · 2,604 sq ft · $422/sq ft
Courtesy of Illustrated Properties LLC · View details →
Sold Aug 2026
$607,325
3602 SE Cedarstone Place, Port St. Lucie
4 / 3.5 bd/ba · 2,600 sq ft · $234/sq ft
Courtesy of Taylor Morrison Realty of Florida · View details →
Sold Sep 2026
$793,330
2225 SW Oakhill Way, Palm City
3 / 3 bd/ba · 2,589 sq ft · $306/sq ft
Courtesy of RE/MAX Ocean Properties · View details →
Median of these 6 sales: $778,500 ($298/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.
$671,925the mess$806,310
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: $795,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 20% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1988 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 — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
4 active listings competing, 3 under contract
≈2.7 months of supply
10 closed here in the last 12 months
For reference, this home is listed at $795,000 ($302/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: 2,635 sq ft × $255–$306/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 14, 2026.
Momentum Scores
Momentum Property Score
52/100
Strongest on: Market liquidity (64), Price vs area (47)
0 limited50100 exceptional
52/100 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 area47
This home $302/sq ft vs the community 12-month median $298/sq ft.
Affordability46
List price $795,000 vs the community median $778,500. Not a measure of personal affordability.
Market liquidity64
Community inventory, ~2.7 months of supply (12-month record).
Coverage: 3 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 $302 per square foot, about in line with the community’s $298 median. Seagate Harbor’s 12-month median sold price per square foot is $298. MLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
76% of homes in Seagate Harbor are owner-occupied. An estimated 24% are non-owner-occupied, including 11% held in a company or trust and 8% 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), 180 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Seagate Harbor, no CDD assessment.
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by RE/MAX of Stuart · MLS # B26063360
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Keep looking
Similar homes for sale near SEAGATE HARBOR
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.
Sep 2026 · Development
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 site is about 4 miles south of Seagate Harbor.
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 site is about 7 miles northwest of Seagate Harbor.
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
Bessey CreekAssigned 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 521 SW MARION Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 2,635 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 $11,525/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,875 more per year than the current owner’s estimated bill (+19%). 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 14, 2026)
Comparable sales
BeachesMLS closed sales within about 3 miles, last 18 months, as of July 15, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 521 SW MARION Court and when was it built?
Per the listing record, 521 SW MARION Court was built in 1988 and has 2,635 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 521 SW MARION Court in?
521 SW MARION Court is in Seagate Harbor in Palm City, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 521 SW MARION Court have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 521 SW MARION Court differ from the current owner's?
The estimate on this page (about $11,525 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,875 more per year than the current owner’s estimated bill (+19%). 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 521 SW MARION Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 521 SW MARION Court in person
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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.
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.
