6181 SW Bald Eagle Drive, Palm City, FL 34990
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 12, 2026, 6181 SW Bald Eagle Drive in Highlands Reserve, Palm City is listed at $685,000 (2,675 sq ft, about $256 per sq ft). That sits within a few percent of Highlands Reserve's median closed sale of $765,000 over the last 12 months (13 recorded sales). It has been 51 days on market. Listing facts: built in 2007, a private pool, HOA dues of $430/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 2007 · 19 yrs
- 2,675 sq ft of living area
- 3-car garage
- Listed at $685,000 — recent neighborhood median sale price ~$765,000 (nearby sales; deemed reliable, not an appraisal)
- 51 days on market
- HOA $430/mo (per listing)
About this home
Higlands Reserve - 3 BRs (Possible 5), 3 Baths - Step through the dramatic two-story foyer into a home built for real life and easy entertaining. The resurfaced, retiled pool is the centerpiece — mornings on the covered lanai, evenings floating under palms with total backyard privacy against a wooded tree line. The granite island kitchen opens straight to the family room's wall of pool-view windows, while the primary suite offers a garden tub, glass shower, and dual closets for a true retreat.
A flex den downstairs and loft upstairs add room to work, play, or host guests. Impact windows, a 2020 A/C system, and an attached 3-car garage handle the essentials. Zoned for top-rated Martin County schools, tucked on the quiet side of the street with less road noise.
Schedule your private showing. 6181 SW Bald Eagle Drive sits on a private, wooded homesite in Highlands Reserve in Palm City, Florida. Built in 2007, the home offers 2,675 square feet under air, three bedrooms (possible 5), three full bathrooms, a first-floor den, a second-floor loft, and an attached three-car garage.
A two-story foyer with a wood-and-iron staircase greets you at the entry, setting the tone for the open, light-filled layout beyond. The kitchen anchors the main floor, with a granite island, stainless appliances, and a pass-through view straight into the family room, where a full wall of windows frames the pool and the wooded lot line beyond. A separate breakfast nook off the kitchen, with its own coffered ceiling, adds a casual spot for everyday meals, while a first-floor den offers flexible space for a home office or guest room.
Upstairs, the primary suite is a genuine retreat, with dual walk-in closets and an en-suite bath finished with a garden tub and a glass-enclosed shower. Two additional bedrooms share a secondary bath, and a loft at the top of the stairs adds further flexible living space. All bedrooms and the loft on the back side of the home have views of the pool, preserve, and the lake.
Outside, the private pool has been resurfaced and retiled, set behind a code-compliant safety fence and backed by mature palms and a wooded buffer for a rare level of backyard privacy. The home sits on the preferred side of the street, with less road noise from Florida's Turnpike than comparable homes nearby. The practical work is already handled: the A/C system was fully replaced in December 2020, per Martin County permit records, the home has impact windows, and most kitchen appliances are newer.
The frameless shower enclosure in the guest bath was replaced in 2024, and recent roof work (stucco/fascia repair and a tile roof walk-and-repair, both completed in April 2025) has kept the tile roof in good condition. The home is part of the Highlands Reserve HOA, a single mandatory association with dues of $430 per month, managed by Advantage Property Management. The location is Palm City, part of Martin County, zoned for the area's top-rated public schools and within easy reach of downtown Stuart's waterfront district, area beaches, and the Florida Turnpike.
For a buyer looking for a move-in-ready pool home with real separation between the primary suite and the secondary bedrooms, a flexible den and loft, and a private, wooded backyard, this is worth seeing in person. Schedule a showing TODAY!
All 44 photos
Description provided by RE/MAX of Stuart 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 $3,794/mo 71%
- Taxes $819/mo 15%
- Insurance $271/mo 5%
- HOA $430/mo 8%
$5,314/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.
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.
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.
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.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; 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 HIGHLANDS RESERVE market
How this home is priced against recent nearby sales, and where HIGHLANDS RESERVE 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 HIGHLANDS RESERVE
Each dot is a closed sale since 2007 (304 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, 2012–2026. This home lists at $256/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 40 (normal).
This home’s history
- 2007BuiltPer 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 $695,000
- Sep 25, 2026Price cut$685,000 (-$10,000, -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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in HIGHLANDS RESERVE 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: $765,000 ($254/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 in HIGHLANDS RESERVE, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $685,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 25% 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 & 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 — this home carries HOA dues of $430/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 51 days on market vs. a 56-day community median
- 4 active listings competing, 1 under contract
- ≈4.8 months of supply
- 14 closed here in the last 12 months
For reference, this home is listed at $685,000 ($256/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: 2,675 sq ft × $224–$279/sq ft (interquartile band of 6 comparable closed sales in HIGHLANDS RESERVE, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Property Score
66/100 is solid, mid-pack 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: 7 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
🟡 Balanced conditions around this listing. 4.8 months of supply in the surrounding market and 51 days on market for this home, against a 56-day area median.Days on market:this home 51Area median: 56 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. 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. As of August 10, 2026.
🟡 Asking $256 per square foot, about in line with the community’s $254 median. HIGHLANDS RESERVE’s 12-month median sold price per square foot is $254. Median sold price per square foot is up 11.7% year over year. Confidence: Medium · 13 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.
88% of homes in HIGHLANDS RESERVE are owner-occupied. An estimated 12% are non-owner-occupied, including 7% held in a company or trust and 0% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 261 homes matched. Community-level context.
Recent HIGHLANDS RESERVE sales closed near 93.1% 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 4 active listings in HIGHLANDS RESERVE, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
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 of Stuart · MLS # B26067244
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More on HIGHLANDS RESERVE
Go deeper on HIGHLANDS RESERVE
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.
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 6181 SW Bald Eagle Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2007 (19 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $430/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 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.
- Listed living area is 2,675 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 $9,825/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,625 more per year than the current owner’s estimated bill (+134%). 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 12, 2026) |
| Comparable sales | BeachesMLS closed sales in HIGHLANDS RESERVE, 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.
Frequently asked questions
How big is 6181 SW Bald Eagle Drive and when was it built?
Per the listing record, 6181 SW Bald Eagle Drive was built in 2007 and has 2,675 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 6181 SW Bald Eagle Drive in?
6181 SW Bald Eagle Drive is in Highlands Reserve in Palm City, Martin County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 6181 SW Bald Eagle Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $430 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 6181 SW Bald Eagle Drive differ from the current owner's?
The estimate on this page (about $9,825 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,625 more per year than the current owner’s estimated bill (+134%). 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 6181 SW Bald Eagle Drive 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.
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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.
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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.