Bay St Lucie in Stuart

Bay St Lucie
Homes for Sale in Stuart, FL

All 261 homes for sale in Stuart, FL · median $459,000 · St. Lucie County homes for sale

Community in Stuart · St. Lucie County · ZIP 34984
29 homesBuilt 1989–2024
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Photo via Beaches MLS

Built fromLive Beaches MLS data24 years of closingsFL DOR public recordsUpdated twice daily

Homes listed or recently sold were built 1994–1994; 3 of 3 report an HOA (median $229/mo). As of September 2026, the MLS records 29 closed sales in Bay St Lucie in Stuart, FL since 2002, the most recent in July 2026. Across Stuart as a whole, 499 homes closed in the last 12 months at a median of $380,302, 66 median days on market, with 129 homes for sale today. At that median and St. Lucie County's FY2025-26 rate of 22.85 mills, annual property tax runs about $8,690 ($7,710 with the full homestead exemption).

Bay St Lucie key facts
LocationStuart, St. Lucie County, FL · ZIP 34984
Homes in the community29 (FL DOR 2025 assessment roll)
Years built1989–2024 (median 1999)
Typical living area4,232 sq ft (median)
Amenities listed by sellersClosed Circuit Camera(s), Gated Community, Gated with Guard, None, Boating, Gated - No Guard
For sale right now0 active, 1 pending
Owner-occupied (homestead) share66%

Data as of September 20, 2026. 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; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bay St Lucie key facts,” movewithmomentum.com/neighborhoods/bay-st-lucie, data as of September 20, 2026.

Live · Bay St Lucie Housing Pulse Beaches MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
100%
Under contract
St. Lucie: 23% (743 of 3,210)
0 · 1
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
66%
Owner-occupied · Bay St Lucie
19 of 29 parcels homesteaded (FL DOR 2025)
34%
Non-owner-occupied · Bay St Lucie
incl. 14% trust or LLC-held · 21% out-of-state
29
Homes in the community
29 residential parcels (FL DOR 2025)
Track record · 24 years of records
3
Recorded sales · 2024-2024
median $2.20M · qualified sales on the county roll (FL DOR 2025)
Est. 1989
Community established
homes built 1989-2024, median 1999 (FL DOR 2025)
3.4%/yr
Turnover rate
about 1 of 29 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Bay St Lucie sits in Stuart, a Martin County seat that is nonetheless listed under St. Lucie County in the MLS feed, a reminder of how the Treasure Coast's municipal and county boundaries can blur at the edges. The MLS snapshot shows zero closings in the trailing window, which tells us this is either a small enclave with infrequent turnover or a neighborhood with inventory moving outside our sample period. That lack of recent comps makes pricing and velocity impossible to assess from this data alone.

Without active transaction history or identified community amenities, buyers and sellers here rely heavily on individual property condition, lot characteristics, and broader Stuart market trends to set value. If you're considering Bay St Lucie, expect to do more homework: pull a wider comp set from the surrounding Stuart market, walk the streets, and understand that guidance will come from neighborhood feel and single-home attributes rather than robust sales statistics.

The 60-Second Overview

Bay St Lucie is a Stuart neighborhood with minimal recent MLS activity in our sample window, making it a market where individual property condition and location weigh more heavily than community-level data in any pricing conversation.

BeachesMLS sales records identify 23 homes in Bay St Lucie that have changed hands since 2004, built between 1989 and 2018 (median 1996), with a median living area of about 4,771 sq ft and a typical 4-bedroom, 4-bath layout; 100% are single-family homes. Source: BeachesMLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

County records show 3 qualified sales in Bay St Lucie across 2024–2024, median $2.20M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Buyers prioritizing a Stuart address who are comfortable with a low-inventory, quiet residential setting and minimal amenity infrastructure.
  • Those willing to do deeper comp research across the broader Martin County market and evaluate homes on individual merit rather than community sales velocity.
  • Investors or second-home buyers who value stable, low-turnover neighborhoods and do not require immediate resale liquidity or dense comparable data.

Probably not for

  • Buyers who need robust recent sales comps to feel confident in pricing and negotiation strategy.
  • Those expecting community amenities such as a pool, fitness center, or social programming as part of the purchase.
  • First-time buyers or out-of-area purchasers who require abundant recent transaction history and clear market benchmarks to make a decision.

The market around Bay St Lucie

Bay St Lucie is too small for its own price trend, so here is the market around it.

In ZIP 34984, 161 homes are on the market and 32% are under contract — a fast-moving corner of Stuart.

Across St. Lucie County, 2,467 homes are active and 743 pending (23% under contract).

In ZIP 34984 (Stuart), 904 homes closed in the last 12 months at a median of $395K ($224/sq ft), down 1.4% year over year, with a median 50 days on market. Right now 216 active and 82 pending listings put supply at about 4.2 months — a balanced market. See the live ZIP 34984 housing market and the St. Lucie County market.

ZIP and county figures describe the wider market, not Bay St Lucie specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Bay St Lucie, Stuart

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 3 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-09-19)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. 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 guaranteed.

Homes For Sale Right Now in Bay St Lucie

Live MLS inventory for Bay St Lucie. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Bay St Lucie listings as of 2026-09-26, priced high to low. 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. Tap any home to ask about it.

Listing locations from Beaches MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in Bay St Lucie today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bay St Lucie.

Best Buy
Buyers who value Stuart's address and are comfortable evaluating individual homes without heavy community amenity infrastructure.
Biggest Risk
Thin comps make pricing and negotiation harder; you will rely more on broker judgment and appraisal than on recent neighborhood sales.
Sweet Spot
A well-maintained home on a desirable lot where the Stuart location and property condition speak for themselves.
Avoid If
You need recent, dense comps or expect community amenities like a pool, clubhouse, or active HOA programming.

A quiet corner of the MLS

The absence of closings in our snapshot window does not mean the neighborhood does not exist or transact; it means turnover is low, inventory is scarce, or sales happened just outside the data cut. Bay St Lucie parcels fall within Stuart's addressing but show up under St. Lucie County in the MLS, a quirk that can complicate automated searches and require buyers to cast a wider geographic net when researching comparables.

No community amenities surfaced in current listings, which suggests this is a residential enclave without a clubhouse, pool, or mandatory HOA infrastructure. Buyers here are purchasing a Stuart address and the home itself, not a resort-style lifestyle package. The value proposition will hinge on proximity to the Intracoastal, Old Town Stuart, and the condition and lot configuration of the individual property.

“

The location and the amenities are priced into every listing in Bay St Lucie. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a neighborhood where the MLS tells only part of the story, you need a broker who knows how to pull hyper-local comps, read between the lines of low-volume markets, and advise on whether a given home is priced to the lot, the condition, or the hope. Momentum's Stuart-area analysts will walk the street with you, map the nearest waterway access and downtown distance, and tell you honestly when a property is overpriced relative to the broader Martin County market, even if there are no recent Bay St Lucie sales to prove it.

Bay St Lucie in 15 seconds.

Best forBuyers who value Stuart's address and are comfortable evaluating individual homes without heavy community amenity infrastructure.
Biggest advantageLow turnover typically means stable ownership and less transient churn; when a property does list, it is often a genuine opportunity.
Biggest riskThin comps make pricing and negotiation harder; you will rely more on broker judgment and appraisal than on recent neighborhood sales.
Sweet spotA well-maintained home on a desirable lot where the Stuart location and property condition speak for themselves.
Avoid ifYou need recent, dense comps or expect community amenities like a pool, clubhouse, or active HOA programming.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Bay St Lucie homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Bay St Lucie.
In short
  • HOA dues reported around $229/month (about $2,748/yr) · median of 24 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $229 per month ($2,748 a year) — the median AssociationFee across 24 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bay St Lucie sales matched to your home.

What is your Bay St Lucie home worth?

Get a no-obligation home value based on real comparable sales in Bay St Lucie, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See all homes for sale in Stuart →

Real comps, not an automated estimate.
How much local inventory is already under contract

31% of homes for sale in ZIP 34984 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-27).

Frequently Asked Questions

How many homes are in Bay St Lucie?
The Florida DOR 2025 assessment roll shows 29 homes in Bay St Lucie (public records).
What share of Bay St Lucie is owner-occupied?
66% of Bay St Lucie parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Bay St Lucie built?
Homes in Bay St Lucie were built between 1989 and 2024, with a median year built of 1999 (FL DOR 2025 roll).
Who is the best real estate agent for Bay St Lucie?
The best agent for Bay St Lucie is one who actively works Stuart and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Bay St Lucie.
How do I find a top Stuart real estate agent who knows Bay St Lucie?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Bay St Lucie and the wider Stuart area.
Can Momentum Realty connect me with an agent for Bay St Lucie?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Bay St Lucie purchase or sale - no call center and no pressure.
Where is Bay St Lucie, and what county is it in?
Bay St Lucie is in Stuart, St. Lucie County, FL, ZIP 34984. The community's center is about 5 miles northwest of the center of Stuart (straight-line).
Buyers prioritizing a Stuart address who are comfortable with a low-inventory, quiet residential setting and minimal amenity infrastructure.Excellent fit
Those willing to do deeper comp research across the broader Martin County market and evaluate homes on individual merit rather than community sales velocity.Excellent fit
Investors or second-home buyers who value stable, low-turnover neighborhoods and do not require immediate resale liquidity or dense comparable data.Excellent fit
Buyers who need robust recent sales comps to feel confident in pricing and negotiation strategy.Probably not
Those expecting community amenities such as a pool, fitness center, or social programming as part of the purchase.Probably not
First-time buyers or out-of-area purchasers who require abundant recent transaction history and clear market benchmarks to make a decision.Probably not

Data sources & freshness

Live listingsBeaches MLS, refreshed twice daily (last: September 26, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 34984))
Under-contract sharesBeaches MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2002 (29 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Beaches MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Beaches MLS member average and 8 days faster, and we’ll price yours against live local comps.

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Nearby Communities

Explore more neighborhoods near Bay St Lucie with Momentum Realty’s local guides.

TBTarpon Bay Moorings0.5 mi away · median $383K, 3 sales/12 moRVRiver Vista0.5 mi away · median $519K, 3 sales/12 moTBTarpon Bay Villas0.5 mi away · median $285K, 3 sales/12 moTBTarpon Bay Yacht Club Condominium E0.6 mi awaySBSouth Bend Lake Estates0.6 mi away · 414 homes, built 1987–24TBTarpon Bay Yacht Club0.7 mi awayTBTarpon Bay Yacht Club Condominium H0.7 mi away · 2 for saleIOIslands Of Ravello0.8 mi away · 22 homes, built 2006–24, 2 for sale

Browse all neighborhood guides →

Thinking of selling in Bay St Lucie? 1 recorded closings (window ending 2026-09-20). See the St. Lucie County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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