21 days on market (MLS)Single Family Residence▼ Price cut: $1,000 (10/9)
$287,000
2-Bedroom Home in LAKE CHARLES PHASE 2B
827 SW Lake Charles Circle, Port St. Lucie, FL 34986
Single Family Residence in LAKE CHARLES PHASE 2B, Port St. Lucie · No CDD on record
LAKE CHARLES PHASE 2B · Port St. Lucie, FL 34986 · St. Lucie County
Listing data updated October 9, 2026 at 4:07 PM ET · checked against the MLS hourly
2Bedrooms
2Bathrooms
1,449Sq Ft
1998Year Built
$198Per Sq Ft
2-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.
6% below
$/sq ft vs community
$198 here vs $211 median sold (12 mo)
Buyer leverage
Seller-leaning
21 days on market
3.7 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 9, 2026, 827 SW Lake Charles Circle in Lake Charles Phase 2B, Port St. Lucie is listed at $287,000 (1,449 sq ft, about $198 per sq ft). That is 24% below Lake Charles Phase 2B's median closed sale of $380,000 over the last 12 months (51 recorded sales). It has been 21 days on market, well inside the community's typical 56 days. Listing facts: built in 1998, HOA dues of $317/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1998 · 28 yrs
1,449 sq ft of living area
2-car garage
Listed at $287,000 — recent neighborhood median sale price ~$380,000 (nearby sales; deemed reliable, not an appraisal)
21 days on market
HOA $317/mo (per listing)
Listing description
About this home
Welcome to Lake Charles in the heart of St. Lucie West! This spacious corner 2-bedroom, 2-bath home offers a bright, open floor plan with vaulted ceilings, generous living and dining areas, and plenty of natural light.
The primary suite features a large bath with dual sinks and separate shower, while the flexible den provides additional space for an office or hobby room. Additional features include an interior laundry room and 2-car garage. Lake Charles is a 24-hour guard-gated community offering a clubhouse, heated pool and spa, tennis, pickleball, basketball, shuffleboard, playground, walking paths and scenic lakes.
Conveniently located near shopping, dining, I-95, PGA Golf and Clover Park, home of Mets Spring Training.
All 50 photos
Description provided by Continental Realty, LLC 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$287,000
Bed / bath2 / 2
Living area1,449 sq ft
Year built1998
Property typeSingle Family Residence
Garage2-car
MLS #A12091852
Listing status21 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~28 ft
CountySt. Lucie
Area listings17 active · 4 under contract
Estimated first-year tax~$5,425/yr
CDD assessmentNone on record
HOA$317/mo
Calculated estimates
Price per sq ft$198
Estimated monthly payment$2,490
Insurance (illustrative)$1k–$2k/yr
Messtimate range$214,452 – $282,555
Comparable-sales median$380,000
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
$2,490/mo
Principal & interest $1,590/mo64%
Taxes $452/mo18%
Insurance $132/mo5%
HOA $317/mo13%
$2,490/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.
Current owner’s estimated bill $6,200/yr ($517/mo) — taxable value $270,900 × 22.85 mills
$775 less each year
(−12%)
The current taxable value ($270,900) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$270,900
Market value
$270,900
Assessed
$270,900
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 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
$317/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
~28 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 · LAKE CHARLES PH 3G
Pricing & the LAKE CHARLES PH 3G market
How this home is priced against recent nearby sales, and where LAKE CHARLES PH 3G 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 LAKE CHARLES PH 3G
Each dot is a closed sale since 2001 (1197 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 $198/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 23 (cold).
Property timeline
This home’s history
1998BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 21 cumulative days on market as of October 9, 2026
Sep 19, 2026First seen on movewithmomentum.comObserved at $289,000
Oct 2, 2026Price cut$288,000 (-$1,000, -0.3%)
Oct 9, 2026Price cut$287,000 (-$1,000, -0.3%)
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 $287,000Momentum Realty · on market 21 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 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.
Sold Sep 2026
$230,000
1065 NW Tuscany Drive, Port St. Lucie
2 / 2 bd/ba · 1,427 sq ft · $161/sq ft
Courtesy of Southern Key Realty · View details →
Sold Aug 2026
$260,000
371 NW Sherry Lane, Port St. Lucie
2 / 2 bd/ba · 1,330 sq ft · $195/sq ft
Courtesy of Keller Williams Realty of PSL · View details →
Sold Oct 2026
$330,000
537 NW Billiar Avenue, Port St. Lucie
3 / 2 bd/ba · 1,326 sq ft · $249/sq ft
Courtesy of Berkshire Hathaway Florida Realty · View details →
Sold Sep 2026
$210,000
1008 NW Tuscany Drive, Port St. Lucie
2 / 2 bd/ba · 1,573 sq ft · $134/sq ft
Courtesy of Pinnacle Real Estate Group · View details →
Sold Aug 2026
$305,000
851 NW Sorrento Lane, Port St. Lucie
2 / 2 bd/ba · 1,585 sq ft · $192/sq ft
Courtesy of Anchor Southeast Realty LLC · View details →
Sold Sep 2026
$235,000
506 NW Cortina Lane, Port St. Lucie
2 / 2 bd/ba · 1,590 sq ft · $148/sq ft
Courtesy of Berkshire Hathaway Florida Realty · View details →
Median of these 6 sales: $380,000 ($211/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.
$214,452the mess$282,555
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: $287,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 32% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1998 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 — this home carries HOA dues of $317/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: 21 days on market vs. a 56-day community median
22 active listings competing, 7 under contract
≈3.7 months of supply
12 closed here in the last 12 months
For reference, this home is listed at $287,000 ($198/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: 1,449 sq ft × $148–$195/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 9, 2026.
Momentum Scores
Momentum Property Score
71/100
Strongest on: Affordability (91), Market timing (77)
0 limited50100 exceptional
71/100 is strong 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 area65
This home $198/sq ft vs the community 12-month median $211/sq ft.
Affordability91
List price $287,000 vs the community median $380,000. Not a measure of personal affordability.
Market liquidity55
Community median 56 days on market, ~3.7 months of supply (12-month record).
Pricing power66
Recent sales closed at about 94.8% of original asking (~5.2% below). More room below asking generally favors buyers.
Market timing77
Momentum Market Heat is 23/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 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 $198 per square foot, about 6% below the community’s $211 median. LAKE CHARLES PH 3G’s 12-month median sold price per square foot is $211. Median sold price per square foot is down 5.0% year over year. Confidence: Very High · 51 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 LAKE CHARLES PH 3G sales closed near 94.8% 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 17 active listings in LAKE CHARLES PH 3G, no CDD assessment.
Updated October 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Continental Realty, LLC · MLS # A12091852
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Keep looking
Similar homes for sale near LAKE CHARLES PHASE 2B
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 site is about 3 miles southwest of Lake Charles.
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 project is about 14 miles north of Lake Charles, elsewhere in St. Lucie County.
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 project is about 13 miles northeast of Lake Charles, elsewhere in St. Lucie County.
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 project is about 10 miles north of Lake Charles, elsewhere in St. Lucie County.
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.
GRADEB
St. Lucie West CentennialAssigned high school · St. Lucie County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 827 SW Lake Charles Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1998 (28 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 $317/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.
Listed living area is 1,449 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 $5,425/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $775 less per year than the current owner’s estimated bill (−12%). 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.
Provenance
Data sources & freshness
Listing record
BeachesMLS, checked against the MLS hourly (last: October 9, 2026)
Comparable sales
BeachesMLS closed sales within about 3 miles, last 18 months, as of August 10, 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 827 SW Lake Charles Circle and when was it built?
Per the listing record, 827 SW Lake Charles Circle was built in 1998 and has 1,449 sq ft of living area, 2 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 827 SW Lake Charles Circle in?
827 SW Lake Charles Circle is in Lake Charles Phase 2B in Port St. Lucie, St. Lucie County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 827 SW Lake Charles Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $317 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 827 SW Lake Charles Circle differ from the current owner's?
The estimate on this page (about $5,425 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $775 less per year than the current owner’s estimated bill (−12%). 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 827 SW Lake Charles Circle 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.
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See 827 SW Lake Charles Circle 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.
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.
