83 days on market (MLS)Single Family Residence▼ Price cut: $5,000 (9/6)
$349,900
3-Bedroom Home in CELEBRATION POINTE
5521 Fantasy Drive, Fort Pierce, FL 34947
Single Family Residence in CELEBRATION POINTE, Fort Pierce · No CDD on record · Built 2023
CELEBRATION POINTE · Fort Pierce, FL 34947 · St. Lucie County
Listing data updated October 14, 2026 at 2:59 PM ET · checked against the MLS hourly
Listed by The Keyes Company (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,410Sq Ft
2023Year Built
$248Per Sq Ft
Waterfront2-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.
23% above
$/sq ft vs community
$248 here vs $201 median sold (12 mo)
Buyer leverage
Buyer advantage
83 days on market
11.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 14, 2026, 5521 Fantasy Drive in Celebration Pointe, Fort Pierce is listed at $349,900 (1,410 sq ft, about $248 per sq ft). It has been 83 days on market. Listing facts: built in 2023, waterfront, HOA dues of $84/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2023 · 3 yrs
1,410 sq ft of living area
2-car garage
Listed at $349,900 — recent neighborhood median sale price ~$310,000 (nearby sales; deemed reliable, not an appraisal)
83 days on market
HOA $84/mo (per listing)
Listing description
About this home
Move-In Ready Lagoon-View Gem! Experience contemporary Florida living in this 2023-built 3-bed, 2-bath home in desirable Celebration Pointe. Designed for modern living, the open floor plan flows into a spacious kitchen complete with a walk-in pantry and full appliance package.
Enjoy major utility savings from installed solar panels and Energy Star windows. Relax on your private screened patio while taking in tranquil lagoon views across the fully fenced backyard. Community amenities include a resort-style pool, clubhouse, playground, and dog park.
Close to beaches, shopping, and easy highway access. Don't miss this energy-smart sanctuary—book a tour today!
All 44 photos
Description provided by The Keyes Company 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$349,900
Bed / bath3 / 2
Living area1,410 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
MLS #B26055797
Listing status83 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~16 ft
CountySt. Lucie
Area listings38 active · 6 under contract
Estimated first-year tax~$6,850/yr
CDD assessmentNone on record
HOA$84/mo
Calculated estimates
Price per sq ft$248
Estimated monthly payment$2,692
Insurance (illustrative)$1k–$2k/yr
Messtimate range$260,850 – $283,410
Comparable-sales median$310,000
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
$2,692/mo
Principal & interest $1,938/mo72%
Taxes $571/mo21%
Insurance $99/mo4%
HOA $84/mo3%
$2,692/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 $4,025/yr ($335/mo) — taxable value $175,946 × 22.85 mills
$2,825 more each year
(+70%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$122,354
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$298,300
Market value
$226,668
Assessed
$175,946
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 5521 Fantasy 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 about $4,025/yr (certified county roll, taxable value × millage). Buy at the asking price of $349,900 and the first-year bill resets to about $6,850/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 22.85 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$84/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–$1,500/yr; neither is a quote.
Roof and age
Built in 2023. 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 $849/month (tax $571, HOA $84, 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.
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 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
$84/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~16 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 · CELEBRATION POINTE
Pricing & the CELEBRATION POINTE market
How this home is priced against recent nearby sales, and where CELEBRATION POINTE has been over 25 years. Momentum Research analysis of Stellar 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
2023BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 83 cumulative days on market as of October 14, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $365,000
Aug 17, 2026Price cut$354,900 (-$10,100, -2.8%)
Sep 6, 2026Price cut$349,900 (-$5,000, -1.4%)
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 $349,900Momentum Realty · on market 83 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 CELEBRATION POINTE 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
$272,500
5414 Delight Drive, Fort Pierce
3 / 2 bd/ba · 1,471 sq ft · $185/sq ft
Courtesy of HW Real Estate Inc · View details →
Sold Aug 2026
$272,500
5414 Delight Drive, Fort Pierce
3 / 2 bd/ba · 1,471 sq ft · $185/sq ft
Courtesy of HW Real Estate Inc · View details →
Sold Sep 2026
$310,000
5412 Jamboree Drive, Fort Pierce
3 / 2 bd/ba · 1,542 sq ft · $201/sq ft
Courtesy of Sea Flag Homes · View details →
Sold Sep 2026
$310,000
5412 Jamboree Drive, Fort Pierce
3 / 2 bd/ba · 1,542 sq ft · $201/sq ft
Courtesy of Sea Flag Homes · View details →
Sold Sep 2026
$310,000
5412 Jamboree Drive, Fort Pierce
3 / 2 bd/ba · 1,542 sq ft · $201/sq ft
Courtesy of Sea Flag Homes · View details →
Sold Sep 2026
$310,000
5412 Jamboree Drive, Fort Pierce
3 / 2 bd/ba · 1,542 sq ft · $201/sq ft
Courtesy of Sea Flag Homes · View details →
Median of these 6 sales: $310,000 ($201/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
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.
$273,500the mess$302,300
Strong local evidence — built from 8 comparable closed sales in CELEBRATION POINTE (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $349,900 ($248/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 11% 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.
Carrying costs & concessions — this home carries HOA dues of $84/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
28 active listings competing, 8 under contract
≈11.4 months of supply
12 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (8) + tax-roll just value × local sale-to-roll ratio (1 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. 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 14, 2026.
Momentum Scores
Momentum Property Score
21/100
Strongest on: Market liquidity (35), Affordability (29)
0 limited50100 exceptional
21/100 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.
Price vs area0
This home $248/sq ft vs the community 12-month median $201/sq ft.
Affordability29
List price $349,900 vs the community median $310,000. Not a measure of personal affordability.
Market liquidity35
Community inventory, ~11.4 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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 11.4 months of supply in the surrounding market and 83 days on market for this home, against a 211-day area median.Days on market:this home 83Area median: 211 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2026. As of August 2, 2026.
🟡 Asking $248 per square foot, about 23% above the community’s $201 median. CELEBRATION POINTE’s 12-month median sold price per square foot is $201. 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: one of only 38 active listings in CELEBRATION POINTE, 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 The Keyes Company · MLS # B26055797
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Keep looking
Similar homes for sale near CELEBRATION POINTE
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 · Retail Dining
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 5 miles north of Celebration Pointe.
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 5 miles northeast of Celebration Pointe.
St. Lucie Public Schools broke ground on July 28, 2026 on a 70 million dollar K-8 school behind Dan McCarty Middle School in Fort Pierce, with capacity for 1,500 to 1,800 students and completion expected in August 2028. The school will consolidate Dan McCarty Middle, St. Lucie Elementary, and Lawnwood Elementary, all built in the 1950s and 1960s. The district plans to sell the three existing school properties to offset costs.
Why it matters: The consolidated campus adds modern school capacity in northern Fort Pierce and frees three older school sites for potential reuse. The site is about 1 mile east of Celebration Pointe.
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 5521 Fantasy Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $84/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 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 1,410 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 $6,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,825 more per year than the current owner’s estimated bill (+70%). 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 14, 2026)
Comparable sales
BeachesMLS closed sales in CELEBRATION POINTE, last 18 months, as of August 2, 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 5521 Fantasy Drive and when was it built?
Per the listing record, 5521 Fantasy Drive was built in 2023 and has 1,410 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 5521 Fantasy Drive in?
5521 Fantasy Drive is in Celebration Pointe in Fort Pierce, St. Lucie County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5521 Fantasy Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $84 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 5521 Fantasy Drive differ from the current owner's?
The estimate on this page (about $6,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,825 more per year than the current owner’s estimated bill (+70%). 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 5521 Fantasy Drive 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 5521 Fantasy 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.
