909 SW Lake Charles Circle, Port St. Lucie, FL 34986
Sources: BeachesMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 30, 2026, 909 SW Lake Charles Circle in Lake Charles Phase 1B, Port St. Lucie is listed at $399,999 (2,291 sq ft, about $175 per sq ft). That sits within a few percent of Lake Charles Phase 1B's median closed sale of $380,000 over the last 12 months (51 recorded sales). Per square foot it is below the community's recent $211/sq ft by about 17%. It came to market within the past week. Listing facts: built in 1995, a private pool, waterfront, HOA dues of $327/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1995 · 31 yrs
- 2,291 sq ft of living area
- 3-car garage
- Active listing
- HOA $327/mo (per listing)
This home’s history
- 1995BuiltPer public record
- Sep 30, 2026First seen on movewithmomentum.comObserved at $399,999
- 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.
Estimated monthly payment
- Principal & interest $2,135/mo 64%
- Taxes $667/mo 20%
- Insurance $192/mo 6%
- HOA $327/mo 10%
$3,321/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.
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.
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.
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.
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: 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.
The Momentum read
🟡 Asking $175 per square foot, about 17% below the community’s $211 median. LAKE CHARLES PHASE 1B’s 12-month median sold price per square foot is $211. 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 September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to this exceptional waterfront residence in Lake Charles, Port St Lucie. This single-story home offers 2,291 square feet of thoughtfully designed living space with four bedrooms and three bathrooms. The three car garage provides ample space for vehicles or storage.
The water views from the fully enclosed pool area are spectacular. Lake Charles allows docks conforming to community rules, kayaks, row boats or small electric motor boats. Fish the day away or go for an evening cruise on this serene collection of connecting waterways.
Bring your imagination as the home built in 1995 does need some updating.
All 33 photos
Description provided by LAER Realty Partners Bowen/PSL and reproduced from the MLS; not independently verified.
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
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.The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in St. Lucie County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 2,291 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated September 30, 2026.
Similar homes for sale near LAKE CHARLES PHASE 1B
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.
Newest listings in LAKE CHARLES PHASE 1B
- 775 Lomas Street · $285,000 · 2 bd / 1.0 ba · listed September 30, 2026 (courtesy of EXP Realty LLC)
- 3537 Spanish Cedar Place · $315,555 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of Lennar Realty)
- 1718 Rio Vista Drive · $1,150,000 · 4 bd / 3.5 ba · listed September 30, 2026 (courtesy of The Keyes Company)
- 13802 SW Gingerline Drive · $568,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of Losee Real Estate Group)
- 7508 Paso Robles Boulevard · $364,900 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of RE/MAX Gold)
- 11179 SW Wyndham Way · $599,900 · 4 bd / 3.5 ba · listed September 30, 2026 (courtesy of RE/MAX Gold)
Recently off market in LAKE CHARLES PHASE 1B
- 447 SW Horseshoe Bay · last listed $299,000 · 2026-09-22
- 861 SW Munjack Circle · last listed $369,900 · 2026-09-21
- 713 SW Saint Croix Cove · last listed $392,000 · 2026-09-12
- 769 SW Aruba Bay · last listed $344,000 · 2026-09-10
- 764 SW St Croix Cove · last listed $405,000 · 2026-09-10
- 750 SW Aruba · last listed $356,000 · 2026-09-10
Price & listing history
Building permits
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.
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.
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.
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Listed by LAER Realty Partners Bowen/PSL · MLS # B26082151
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More on LAKE CHARLES PHASE 1B
Go deeper on LAKE CHARLES PHASE 1B
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 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.
See schools in the LAKE CHARLES PHASE 1B guide → · Browse school-zone pages →
Comparable recent sales
No closed sales of a similar home within about 10 miles in St. Lucie County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for LAKE CHARLES PHASE 1B. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Just listed: new homes for sale in Southeast Florida in the last 48 hours · updated hourly · RSS · Southeast Florida market today: new listings, price cuts, pendings
Buyer research checklist
Items worth confirming for 909 SW Lake Charles Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1995 (31 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 $327/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.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,291 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 $8,000/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,800 more per year than the current owner’s estimated bill (+90%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Data sources & freshness
| Listing record | BeachesMLS, refreshed hourly (last: September 30, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in St. Lucie County — no medians or automated estimate shown |
| 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 909 SW Lake Charles Circle and when was it built?
Per the listing record, 909 SW Lake Charles Circle was built in 1995 and has 2,291 sq ft of living area, 4 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 909 SW Lake Charles Circle in?
909 SW Lake Charles Circle is in Lake Charles Phase 1B in Port St. Lucie, St. Lucie County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 909 SW Lake Charles Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $327 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 909 SW Lake Charles Circle differ from the current owner's?
The estimate on this page (about $8,000 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,800 more per year than the current owner’s estimated bill (+90%). 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 909 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.
See 909 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.
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.