Single Family Residence in WATERSTONE PHASE THREE, Fort Pierce · No CDD on record · Built 2024
WATERSTONE PHASE THREE · Fort Pierce, FL 34951 · St. Lucie County
Listing data updated October 12, 2026 at 7:31 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,783Sq Ft
2024Year Built
$236Per Sq Ft
Waterfront3-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
26% above
$/sq ft vs community
$236 here vs $187 median sold (12 mo)
Buyer leverage
Seller-leaning
51 days on market
3.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~22 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 5476 LUGO Street in Waterstone Phase Three, Fort Pierce is listed at $420,000 (1,783 sq ft, about $236 per sq ft). That is 35% above Waterstone Phase Three's median closed sale of $310,750 over the last 12 months (32 recorded sales). Per square foot it is above the community's recent $187/sq ft by about 26%. It has been 51 days on market. Listing facts: built in 2024, waterfront, HOA dues of $12/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 2024 · 2 yrs
1,783 sq ft of living area
3-car garage
Listed at $420,000 — recent neighborhood median sale price ~$310,750 (nearby sales; deemed reliable, not an appraisal)
51 days on market
HOA $12/mo (per listing)
Listing description
About this home
Comfort awaits in this three-bedroom, two-bath residence located in Waterstone. The 1,783 square feet under air offers an efficient layout suited for comfortable everyday living. A three-car garage provides ample parking and storage.
Enjoy the pond view from your patio. The residence offers beautiful blinds and solar panels, with other upgrades too! Delight in the many amenities the community offers.
The amenities include swimming pool with covered porch, sand volleyball court, tennis and pickleball court, fitness room, meeting room. indoor and outdoor play area and more!
All 29 photos
Description provided by RE/MAX Gold 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$420,000
Bed / bath3 / 2
Living area1,783 sq ft
Year built2024
Property typeSingle Family Residence
Garage3-car
MLS #B26067296
Listing status51 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~22 ft
CountySt. Lucie
Area listings31 active · 5 under contract
Estimated first-year tax~$8,450/yr
CDD assessmentNone on record
HOA$12/mo
Calculated estimates
Price per sq ft$236
Estimated monthly payment$3,159
Insurance (illustrative)$1k–$2k/yr
Messtimate range$383,345 – $397,609
Comparable-sales median$310,750
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,159/mo
Principal & interest $2,326/mo74%
Taxes $704/mo22%
Insurance $116/mo4%
HOA $12/mo0%
$3,159/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × St. Lucie County rate (22.85 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 $7,500/yr ($625/mo) — taxable value $328,400 × 22.85 mills
$950 more each year
(+13%)
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.
$328,400
Market value
$328,400
Assessed
$328,400
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)
$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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$12/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
~22 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 · WATERSTONE PHASE FOUR
Pricing & the WATERSTONE PHASE FOUR market
How this home is priced against recent nearby sales, and where WATERSTONE PHASE FOUR 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 WATERSTONE PHASE FOUR
Each dot is a closed sale since 2024 (49 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $236/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
Property timeline
This home’s history
2024BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 51 cumulative days on market as of October 12, 2026
Aug 22, 2026First seen on movewithmomentum.comObserved at $420,000
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 $420,000Momentum Realty · on market 51 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 in WATERSTONE PHASE THREE 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
$391,000
5739 Waterstone Boulevard, Fort Pierce
3 / 2 bd/ba · 1,780 sq ft · $220/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Aug 2026
$391,000
5739 Waterstone Boulevard, Fort Pierce
3 / 2 bd/ba · 1,780 sq ft · $220/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Sep 2026
$390,652
5530 Lugo Street, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $215/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Sep 2026
$390,652
5530 Lugo Street, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $215/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Jul 2026
$406,000
8845 Waterstone Boulevard, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $223/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Jul 2026
$406,000
8845 Waterstone Boulevard, Fort Pierce
4 / 2 bd/ba · 1,820 sq ft · $223/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Median of these 6 sales: $310,750 ($187/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.
$383,345the mess$397,609
Stronger local evidence — 6 comparable closed sales in WATERSTONE PHASE THREE, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $420,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 4% 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
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 $12/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: 51 days on market vs. a 100-day community median
28 active listings competing, 7 under contract
≈3.8 months of supply
81 closed here in the last 12 months
For reference, this home is listed at $420,000 ($236/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: 1,783 sq ft × $215–$223/sq ft (interquartile band of 6 comparable closed sales in WATERSTONE PHASE THREE, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
48/100 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 area0
This home $236/sq ft vs the community 12-month median $187/sq ft.
Affordability0
List price $420,000 vs the community median $310,750. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~22 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity37
Community median 100 days on market, ~3.8 months of supply (12-month record).
Pricing power75
Recent sales closed at about 92.9% of original asking (~7.1% 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 $236 per square foot, about 26% above the community’s $187 median. WATERSTONE PHASE FOUR’s 12-month median sold price per square foot is $187. Median sold price per square foot is down 5.9% year over year. Confidence: Very High · 32 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 WATERSTONE PHASE FOUR sales closed near 92.9% 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 31 active listings in WATERSTONE PHASE FOUR, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by RE/MAX Gold · MLS # B26067296
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Keep looking
Similar homes for sale near WATERSTONE PHASE THREE
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 18 miles south of Waterstone, 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 3 miles southeast of Waterstone.
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 6 miles northwest of Waterstone.
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 site is about 8 miles southeast of Waterstone.
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 5476 LUGO Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $12/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 St. Lucie County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,783 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 $8,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $950 more per year than the current owner’s estimated bill (+13%). 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 12, 2026)
Comparable sales
BeachesMLS closed sales in WATERSTONE PHASE THREE, last 18 months, as of August 10, 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 5476 LUGO Street and when was it built?
Per the listing record, 5476 LUGO Street was built in 2024 and has 1,783 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5476 LUGO Street in?
5476 LUGO Street is in Waterstone Phase Three in Fort Pierce, St. Lucie County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5476 LUGO Street have an HOA, and how much are the dues?
The listing reports HOA dues of $12 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 5476 LUGO Street differ from the current owner's?
The estimate on this page (about $8,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $950 more per year than the current owner’s estimated bill (+13%). 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 5476 LUGO Street 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 5476 LUGO Street 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.
