Bay St Lucie
Homes for Sale in Stuart, FL
All 688 homes for sale in Stuart, FL · median $422,000 · St. Lucie County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
Homes listed or recently sold were built 1994–1994; 3 of 3 report an HOA (median $229/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft). As of November 2026, the MLS records 2 closed sales in Bay St Lucie in Stuart, FL since 2026, the most recent in October 2026. Across Stuart as a whole, 162 homes closed in the last 12 months at a median of $485,000, 45 median days on market, with 659 homes for sale today. At that median and St. Lucie County's FY2025-26 rate of 22.85 mills, annual property tax runs about $11,080 ($10,100 with the full homestead exemption).
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.
Figures in this note are as of July 16, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Bay St Lucie right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
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.
The setting & the homes.
Aerial and on-site photos of Bay St Lucie. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Bay St Lucie
Bay St Lucie
Bay St LuciePhotos from Beaches MLS listings in Bay St Lucie; content deemed reliable but not guaranteed.
Who Bay St Lucie is best for.
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, 172 homes are on the market and 33% are under contract — a fast-moving corner of Stuart.
Across St. Lucie County, 2,770 homes are active and 734 pending (21% under contract).
In ZIP 34984 (Stuart), 28 homes closed in the last 12 months at a median of $562K ($221/sq ft), with a median 23 days on market. Right now 41 active and 23 pending listings. 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.
Bay St Lucie on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Beaches MLS. Map data © OpenStreetMap contributors.
The Bay St Lucie buying strategy.
If we were buying in Bay St Lucie today, this is the order of operations we would run for our clients.
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.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
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.
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.
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.
Tools for a Bay St Lucie buy.
Free calculators to pressure-test the real cost before you tour.
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.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay St Lucie, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
Recently off market in Bay St Lucie
Homes in Bay St Lucie that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 12038 Riverbend Road · off market
| Location | Stuart, St. Lucie County, FL · ZIP 34984 |
|---|---|
| Homes in the community | 29 (FL DOR 2025 assessment roll) |
| Years built | 1989–2024 (median 1999) |
| Typical living area | 4,232 sq ft (median) |
| Amenities listed by sellers | Closed Circuit Camera(s), Gated Community, Gated with Guard, None, Boating, Gated - No Guard |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 66% |
Data as of November 6, 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 November 6, 2026.
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.
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.
More Stuart home searches
- All homes for sale in Stuart, FL
- Homes for sale in St. Lucie County, FL
- Gated communities in Stuart
- Stuart home values: what is my house worth?
Stuart guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (Martin County)
- Homestead exemption (Martin County)
- Home insurance cost
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- SE Saint Lucie Boulevard (5 homes on record)
- SE Saint Lucie Boulevard (2 homes on record)
What it really costs to own in Bay St Lucie
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $44,123/yr across 3 listings here (MLS tax records, 2026-11-08). |
|---|---|
| HOA dues | Median $229/month across 3 MLS listings (most billed monthly; 2026-11-08). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Lucie County is $2,332/yr (2,890 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1994 across 3 listings. An original roof here would be about 32 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Bay St Lucie
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Bay St Lucie
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Bay St Lucie will answer, and the answer is published on this page for the next buyer.
Recent Developments in Bay St Lucie
Development, infrastructure, retail, and school activity affecting Bay St Lucie, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
Murray Middle School in Stuart breaks ground on $33M rebuild phase
The second phase adds new learning spaces, a performing arts wing and gym renovations after Hurricane Milton's tornado damaged three main buildings. The gym is expected by August 2027 and the new buildings by December 2027.
What it may mean for the marketReplaces portable classrooms with permanent facilities, improving a public school campus in the Stuart area. The site is about 1 mile north of Bay St Lucie.
Source: WPTV - October 2026Parks & Amenities
Mattamy Homes to transfer 125 acres at Newfield for St. Lucie River muck storage
Mattamy is moving 125 acres from the northern part of its Newfield development to Martin County for river restoration, matched by an adjacent 125 acres from the Florida Inland Navigation District. The combined land can hold about 2.4 million cubic yards of dredged muck, and removal starts only after federal funding is authorized.
What it may mean for the marketPreserves open land near Newfield and supports St. Lucie River water quality, with possible recreational use of the parcels later. The site is about 5 miles southwest of Bay St Lucie.
Source: WPTV - October 2026Civic
Martin County adopts one-year moratorium on new data centers
Commissioners voted 4-0 on Oct. 27 for a one-year pause on data center development. A hyperscale application west of I-95 off Kanner Highway was filed earlier and is not affected.
What it may mean for the marketSets a pause on a large industrial land use while the county writes rules, which shapes what may be built near western Martin corridors. The site is about 5 miles southwest of Bay St Lucie.
Source: WPTV - October 2026Development
St. Lucie nuclear plant marks 50 years with licenses for 20 more years
The two-unit plant on Hutchinson Island supplies about 11 percent of FPL's power, and the NRC has granted licenses for 20 additional years of operation. The plant uses robots, drones and submersibles for inspections.
What it may mean for the marketSignals a long-term major employer and power source for the county. The project is about 12 miles north of Bay St Lucie, elsewhere in St. Lucie County.
Source: WPTV - October 2026Civic
Martin County moves to restore MARTY bus service with emergency contract
Commissioners voted to end the contract with Martin County Transit and negotiate a one-year emergency agreement with MTM Transit after service stopped suddenly the prior week. County staff hoped to restart service within about a week.
What it may mean for the marketAffects county-wide bus access and commute options until service resumes. The site is about 3 miles west of Bay St Lucie.
Source: WPTV - August 2026Infrastructure
Federal government awards $79 million for St. Lucie River Bridge replacement in Stuart; Brightline station grant denied
The century-old St. Lucie River Bridge replacement received $79 million in federal funding. The federal Intercity Passenger Rail Program did not fund a proposed Brightline station in downtown Stuart. Martin County said it welcomed the bridge funding.
What it may mean for the marketBridge replacement funding supports a key rail and river crossing, while the denied grant leaves the timing of a Stuart passenger rail stop uncertain. The site is about 1 mile north of Bay St Lucie.
Source: WJNO (iHeart)
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
How many homes are in Bay St Lucie?
What share of Bay St Lucie is owner-occupied?
When were the homes in Bay St Lucie built?
Who is the best real estate agent for Bay St Lucie?
How do I find a top Stuart real estate agent who knows Bay St Lucie?
Can Momentum Realty connect me with an agent for Bay St Lucie?
Where is Bay St Lucie, and what county is it in?
Should you buy in Bay St Lucie?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Beaches MLS, refreshed twice daily (last: November 8, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34984)) |
| Under-contract shares | Beaches MLS records, as of 2026-11-06 |
| Historical depth | Closed-sale records back to 2026 (2 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.
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