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
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). 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).
| 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, 1 pending |
| Owner-occupied (homestead) share | 66% |
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.

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.
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
Photos 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, 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.
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.
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, tiles © CARTO.
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.
HOA, CDD & Fees
- 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.
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 →
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?
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: September 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34984)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-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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See how Bay St Lucie fits the bigger picture — live prices, inventory, and Momentum Scores:
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