Villa in Waterstone Villas, Fort Pierce · No CDD · Built 2026
Waterstone Villas · Fort Pierce, FL 34951 · St. Lucie
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,658Sq Ft
2026Year Built
$196Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
5% above
$/sq ft vs community
$196 here vs $187 median sold (12 mo)
Buyer leverage
Seller-leaning
174 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~22 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 8646 Giovanni Avenue in Waterstone Villas, Fort Pierce is listed at $325,000 (1,658 sq ft, about $196 per sq ft). That sits within a few percent of Waterstone Villas's median closed sale of $313,500 over the last 12 months (6 recorded sales). It has been 174 days on market, well inside the community's typical 430 days. Listing facts: built in 2026, HOA dues of $80/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 2026
1,658 sq ft of living area
2-car garage
Listed at $325,000 — recent neighborhood median sale price ~$313,500 (nearby sales; deemed reliable, not an appraisal)
174 days on market
HOA $80/mo (per listing)
Momentum Research · Waterstone Villas
Pricing & the Waterstone Villas market
How this home is priced against recent nearby sales, and where Waterstone Villas has been over 25 years. Momentum Research analysis of Beaches MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Waterstone Villas
Each dot is a closed sale since 2024 (31 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). BeachesMLS closed sales.
Property timeline
This home’s history
2026BuiltPer public record
Aug 4, 2026First trackedObserved at $334,722
Aug 25, 2026Price cut$325,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$2,138/mo
Principal & interest $1,688/mo79%
Taxes $284/mo13%
Insurance $85/mo4%
HOA $80/mo4%
$2,138/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Flood safety (95), Pricing power (82)
0 limited50100 exceptional
55/100 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.
Price vs area38
This home $196/sq ft vs the community 12-month median $187/sq ft.
Affordability44
List price $325,000 vs the community median $313,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~22 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity36
Community median 430 days on market, ~4.0 months of supply (12-month record).
Renovation upside10
From a 2026 build and $196/sq ft vs the community median $187/sq ft. Not a condition assessment.
Pricing power82
Recent sales closed at about 91.5% of original asking (~8.5% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $196 per square foot, about 5% above the community’s $187 median. Waterstone Villas’s 12-month median sold price per square foot is $187. Median sold price per square foot is down 6.4% year over year. Confidence: Low · 6 closed sales in 12 monthsMLS facts: BeachesMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Waterstone Villas sales closed near 91.5% 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 September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Waterstone Villas, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Move-in ready. Experience the lifestyle you've been dreaming. This thoughtfully designed home offers the perfect blend of comfort, style, and everyday convenience.
The open-concept layout creates an inviting space for entertaining, family gatherings, or simply relaxing at the end of the day. Enjoy resort-style amenities including a clubhouse, sparkling community pool, playground, and pickleball courts. Conveniently located near I-95, the Florida Turnpike, shopping, dining, golf, and the beautiful Treasure Coast beaches.
Whether you're looking for your first home, your forever home, or a peaceful Florida retreat, this home delivers the lifestyle you've earned. Sample photos used. Lawncare included.
New home Warranty included.
Description provided by Adams Homes Realty Inc and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$325,000
Bed / bath3 / 2
Living area1,658 sq ft
Year built2026
Property typeVilla
Garage2-car
MLS #B26005479
Listing status174 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~22 ft
Windstorm exposureLow
CountySt. Lucie
Area listings2 active · 0 under contract
Estimated first-year tax~$3,412/yr
CDD assessmentNone on record
HOA (per listing)$80/mo
Calculated estimates
Price per sq ft$196
Estimated monthly payment$2,138
Insurance (illustrative)$500–$2k/yr
Messtimate range$306,730 – $315,020
Comparable-sales median$313,500
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
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.
$306,730the mess$315,020
Actual list price: $325,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 3% 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 $80/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: 174 days on market vs. a 430-day community median
2 active listings competing
≈4.0 months of supply
6 closed here in the last 12 months
For reference, this home is listed at $325,000 ($196/sq ft) — a number set with analysis a Messtimate can't do.
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: 1,658 sq ft × $185–$190/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near Waterstone Villas
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.
Listed for $325,000Momentum Realty · on market 174 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$3,412/yr
A rough first-year estimate only, applying a typical St. Lucie rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$80/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~22 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Adams Homes Realty Inc · MLS # B26005479
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Market data · public records
Recent sales activity in Waterstone Villas
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Waterstone Villas neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$313,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$187
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Waterstone Villas
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Schools
St. Lucie schools break ground on Fort Pierce K-8
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 less than a mile west of Waterstone Villas.
Costco clears zoning hurdle for Port St. Lucie warehouse
The Port St. Lucie City Council approved a zoning amendment on July 14, 2026 for a 158,000 square foot Costco warehouse in the Southern Grove development at SW Village Parkway and Marshall Parkway. The store would include a tire center, liquor sales, outdoor seasonal sales, and a fuel station with 32 pumping positions, targeting a 2027 opening. The 22.8 acre parcel sold to Costco for 6 million dollars in March 2026.
Why it matters: A large format warehouse retailer and fuel station would expand shopping capacity in the Southern Grove commercial area. The project is about 13 miles south of Waterstone Villas, elsewhere in St. Lucie County.
Port St. Lucie weighs commercial rezoning in Tradition
A final City Council vote was set for July 14, 2026 on rezoning about 9.5 acres at Crosstown Parkway and SW Fairgreen Drive in Tradition from residential to commercial, a request by Winding River Crosstown LLC to allow retail and office development. The Planning and Zoning Board recommended approval in May with conditions including a landscape buffer and architectural wall along residential borders.
Why it matters: The rezoning would add commercial retail and office capacity along the Crosstown Parkway corridor in Tradition. The project is about 10 miles south of Waterstone Villas, elsewhere in St. Lucie County.
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.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Feb 2026
$275,000
5167 Modeno Street, Fort Pierce
3 / 2 bd/ba · 1,658 sq ft · $166/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Nov 2025
$314,800
8636 Modeno Street, Fort Pierce
3 / 2 bd/ba · 1,658 sq ft · $190/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Oct 2025
$312,200
8625 Modeno Street, Fort Pierce
3 / 2 bd/ba · 1,658 sq ft · $188/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Nov 2025
$295,900
8634 Modeno Street, Fort Pierce
3 / 2 bd/ba · 1,509 sq ft · $196/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold May 2026
$339,324
8652 Giovanni Avenue, Fort Pierce
4 / 3 bd/ba · 1,836 sq ft · $185/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Sold Apr 2026
$342,324
8629 Giovanni Avenue, Fort Pierce
4 / 3 bd/ba · 1,836 sq ft · $186/sq ft
Courtesy of Adams Homes Realty Inc · View details →
Community 12-month median: $187/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,490 – $2,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$691 – −$82At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 8646 Giovanni Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2026: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $80/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Lucie County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,658 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 $3,412/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
BeachesMLS, refreshed twice daily (last: September 12, 2026)
Community market stats
BeachesMLS closed sales, as of September 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 8646 Giovanni Avenue and when was it built?
Per the listing record, 8646 Giovanni Avenue was built in 2026 and has 1,658 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 8646 Giovanni Avenue in?
8646 Giovanni Avenue is in Waterstone Villas in Fort Pierce, St. Lucie County. The community section on this page shows recent closed sales, days on market, and active inventory for Waterstone Villas from the same MLS data.
Does 8646 Giovanni Avenue have an HOA, and how much are the dues?
The listing reports HOA dues of $80 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 8646 Giovanni Avenue differ from the current owner's?
The estimate on this page (about $3,412 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 8646 Giovanni Avenue in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 8646 Giovanni Avenue 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 a typical county millage rate to the list price 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.
