616 SW Cleveland Avenue, Stuart, FL 34994
- Sun, Oct 4, 1 PM–3 PM · A rare opportunity for a single-family home near downtown! This charming 2BR, 2.5BA cottage offers flex space, original hardwood floors, ton
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 616 SW CLEVELAND Avenue in Bessey Addition, Stuart is listed at $474,900 (1,130 sq ft, about $420 per sq ft). It came to market within the past week. Listing facts: built in 1920, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1920 · 106 yrs
- 1,130 sq ft of living area
- Listed at $474,900 — recent neighborhood median sale price ~$420,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- No HOA reported by the listing (confirm)
About this home
Step into a home with history. This fully furnished, renovated 1920 cottage near Downtown Stuart is warm, private & full of authentic character, with original wood floors, arched openings & timeless cottage charm. Offering 2 bedrooms, 2.5 baths plus flexible bonus space for a guest sleeping area or home office, it has approx.
1,130 sq. ft. under air.
No HOA—enjoy it year-round, as a winter retreat or investment property with short- or long-term rental potential. The .18-acre fenced yard adds privacy & possibilities: R-3 zoning may allow additional units & improvements—or create your own backyard oasis with a pool. Updated baths, metal roof, 2026 water heater & 2025 HVAC add modern comfort.
Minutes to downtown, dining, shops & the St. Lucie River. Professional photos next week—more coming!
Minutes to downtown, dining, shops & the St. Lucie River. This charming Downtown Stuart cottage offers far more than its 1920 year built might suggest.
Filled with natural light from 13 windows, each with custom blinds, the home feels bright, warm & welcoming throughout. Original wood floors, graceful arched openings, new interior wood doors, paneled walls, painted wood ceilings, custom built-in bookcases in the living room & Bahama-blue exterior shutters all add to its authentic cottage character. Extensive renovations over the years—including substantial improvements reflected in the property's 1990 effective year—bring modern comfort while preserving the personality that makes this home so special.
Both bedrooms feature their own beautifully renovated en-suite baths, each with custom walk-in showers, updated vanities & thoughtfully designed cabinetry and wardrobe-style storage. An additional half bath provides convenience for guests. More recent improvements include fresh interior paint, remote-controlled ceiling fans, 2025 HVAC & a 2026 water heater.
The spacious kitchen offers abundant counter space, warm wood cabinetry, a pantry, separate storage closet & new LG refrigerator. While not recently remodeled like the bathrooms, its generous layout provides excellent functionality today with plenty of opportunity for a future owner to personalize it and create the kitchen they've always wanted. The large, private fenced backyard is another standout feature, with mature landscaping, fruit trees & plenty of space for outdoor entertaining, gardening or a future pool.
A separate shed houses the full-size washer & dryer and functions as a dedicated laundry/utility space with electric, water, hanging space & folding area. An additional covered outdoor storage area provides convenient space for lawn equipment, tools & outdoor gear, plus a dedicated kayak rack. Two separate driveways provide unusually generous off-street parking for a home this close to Downtown Stuart, with room to comfortably accommodate 5 or more vehicles—a valuable feature in an area where many homes have limited or street-only parking.
The home is being sold fully furnished with quality cottage-style furnishings that complement its character beautifully, making it a truly turnkey option for a full-time home, winter retreat or investment property ready for immediate use. Located in Flood Zone X, with flood insurance not currently required by the seller's lender. A wind mitigation inspection has been completed, and the Bahama shutters provide added storm protection while enhancing the home's authentic Florida cottage style.
Seller reports favorable current insurance costs as well as low utility bills. Buyers should independently verify insurance requirements, coverage, premiums & utility costs. R-3 zoning offers additional flexibility and may allow accessory dwelling units, additional residential units or other improvements, subject to applicable City of Stuart zoning, setback, density & permitting requirements.
Buyers should independently verify any intended future use or improvement with the City of Stuart.
All 20 photos
Description provided by Premier Brokers International 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 $2,535/mo 76%
- Taxes $548/mo 16%
- Insurance $258/mo 8%
$3,341/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty 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.
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.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
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 BESSEY ADDITION market
How this home is priced against recent nearby sales, and where BESSEY ADDITION 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
- 1920BuiltPer public record
- Oct 1, 2026First seen on movewithmomentum.comObserved at $474,900
- 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: $420,000 ($348/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
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: $474,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1920 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:
- 617 active listings competing, 163 under contract
- 1 closed here in the last 12 months
For reference, this home is listed at $474,900 ($420/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,130 sq ft × $334–$358/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 1, 2026.
The Momentum read
🟡 Asking $420 per square foot, about 21% above the community’s $348 median. BESSEY ADDITION’s 12-month median sold price per square foot is $348. 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 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Premier Brokers International · MLS # B26079792
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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.
Buyer research checklist
Items worth confirming for 616 SW CLEVELAND Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1920 (106 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 1,130 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 $6,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,950 more per year than the current owner’s estimated bill (+42%). 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, refreshed hourly (last: October 1, 2026) |
| Comparable sales | BeachesMLS closed sales within about 3 miles, last 18 months, as of October 1, 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.
Frequently asked questions
How big is 616 SW CLEVELAND Avenue and when was it built?
Per the listing record, 616 SW CLEVELAND Avenue was built in 1920 and has 1,130 sq ft of living area, 2 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 616 SW CLEVELAND Avenue in?
616 SW CLEVELAND Avenue is in Bessey Addition in Stuart, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 616 SW CLEVELAND Avenue 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 616 SW CLEVELAND Avenue differ from the current owner's?
The estimate on this page (about $6,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,950 more per year than the current owner’s estimated bill (+42%). 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 616 SW CLEVELAND Avenue 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.
See 616 SW CLEVELAND Avenue 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.