54 S Sewalls Point Road, Sewalls Point, FL 34996
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 17, 2026, 54 S Sewalls Point Road in Arbela, Sewalls Point is listed at $5,295,000 (4,085 sq ft, about $1,296 per sq ft). It has been 282 days on market. Listing facts: built in 2020, a private pool, waterfront, no HOA. 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 2020 · 6 yrs
- 4,085 sq ft of living area
- 3-car garage
- Listed at $5,295,000 — recent neighborhood median sale price ~$3,072,500 (nearby sales; deemed reliable, not an appraisal)
- 282 days on market
- No HOA reported by the listing (confirm)
About this home
Gorgeous new build, wide-waterfront home on one of South Sewall's Point's most historic parcels. Built in 2020 on 3/4 acre, this classic modern property offers 4085 sf under air, pool, large backyard, sweeping wide water views and a white sand beach. 4 bd./4.5 bath with an office, bonus game room, and three car garage.
Features include wide plank wood flooring, Sub Zero and Wolf appliances, elevator, generator, impact windows and doors, spacious kitchen, large island, and state-of-the-art security/surveillance system. Outdoor living includes a covered lanai, saltwater heated pool/spa, putting green, plans for outside addition and cabana, and beautiful eastern views of lagoon & Hutchinson Island. Private new dock, 16000 pound lift and completed sewer connection.
Must see rare opportunity. Set on one of Sewall's Point's most notable and beautiful wide waterfront sites, this property blends a meaningful past with coastal luxury, perfect for entertaining, relaxing, or watching the sunrise. Once home to the original 1800s Harmer residence with rumored ties to Al Capone, the property now features a custom, no-expense-spared 2020-built home offering refined finishes, clean architectural lines, and exceptional indoor-outdoor living.
Bright, open spaces with high ceilings, wide-plank wood flooring, and expansive windows capture sweeping eastern views toward Hutchinson Island, the House of Refuge, the Hutchinson Island Bridge, Bird Island, and the Intracoastal Waterway. The home offers 4,085 square feet under air with four bedrooms, four-and-a-half bathrooms, a library, a bonus game room, and a three-car garage with generous storage and workout configuration. The chef's kitchen includes a Sub Zero refrigerator and Wolf gas appliances, a large center island with storage, custom cabinetry, and seamless flow into the living and dining areas.
The living room includes a cozy Chicago brick gas fireplace surrounded by custom built-in bookshelves and mantle. Multiple sliders open to a spacious covered lanai for outdoor lounging or hosting. The home features an oversized 40x20 saltwater pool with dual gas and electric heating capabilities and electronically app-controlled lighting and heating systems.
The outdoor dining and lounging areas include a putting green, manicured yet lush landscaping, uplighting, mature palm trees, and an herb garden. The vast and substantial backyard is perfect for outdoor sports or is buildable with included plans for future cabana expansion. The front yard includes an 11-foot mature privacy hedge, a mango tree, a Poinciana tree, and a Magnolia tree.
A private dock with a 16,000-pound lift and a dredged navigable slip provides direct access to the Intracoastal, Boy Scout Island, the Sandbar, Sailfish Point, Downtown Stuart, and Jupiter. The dock is constructed with WearDeck composite decking, upgraded lighting, and 10-inch pilings for added stability, with composite materials that offer exceptional resistance to heat and long-term durability. The wide, white sand beach is met by the idyllic waters of the Indian River Lagoon, providing opportunities for dolphin, manatee, and various wildlife sightings.
Additional features include an elevator, full house generator, impact windows and doors, and a fully completed sewer connection with new Sewall's Point Road enhancements for a high and dry elevation. This residence combines custom craftsmanship, historic significance, and a premier waterfront lifestyle in one of the most desirable communities on the Treasure Coast. Wonderful for children or retirees, this rare opportunity will not last.
All 72 photos
Description provided by One Sotheby's International Realty and reproduced from the MLS; not independently verified.
Provided via the BeachesMLS Internet Data Exchange · All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $29,329/mo 82%
- Taxes $4,633/mo 13%
- Insurance $1,612/mo 5%
$35,575/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.
What it really costs to own 54 S Sewalls Point Road
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 $21,205/yr per the MLS listing record (TaxAnnualAmount, 2026-10-16). 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 | 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 $13,500–$28,000/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 2020. 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 $1,982/month (tax $1,767, insurance $215). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the ARBELA market
How this home is priced against recent nearby sales, and where ARBELA has been over 25 years. Momentum Research analysis of BeachesMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2020BuiltPer public record
- About Jan 2026Listed (per MLS)MLS reports 282 cumulative days on market as of October 17, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $5,500,000
- Sep 30, 2026Price cut$5,295,000 (-$205,000, -3.7%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $3,072,500 ($790/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,978 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.7% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $5,295,000 ($1,296/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 716 active listings competing, 166 under contract
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 17, 2026.
Momentum Property Score
22/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $1296 per square foot, about 64% above the community’s $790 median. ARBELA’s 12-month median sold price per square foot is $790. 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 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by One Sotheby's International Realty · MLS # R11147412
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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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 54 S Sewalls Point Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2020: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- 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 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 4,085 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 $55,598/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.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | BeachesMLS, checked against the MLS hourly (last: October 17, 2026) |
| Comparable sales | BeachesMLS closed sales within about 3 miles, last 18 months, as of October 17, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | 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.
Frequently asked questions
How big is 54 S Sewalls Point Road and when was it built?
Per the listing record, 54 S Sewalls Point Road was built in 2020 and has 4,085 sq ft of living area, 4 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 54 S Sewalls Point Road in?
54 S Sewalls Point Road is in Arbela in Sewalls Point, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 54 S Sewalls Point Road 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 54 S Sewalls Point Road differ from the current owner's?
The estimate on this page (about $55,598 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 54 S Sewalls Point Road 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.
See 54 S Sewalls Point Road 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.
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.