Bay St Lucie
Homes for Sale in Stuart, FL
All 648 homes for sale in Stuart, FL · median $415,000 · 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 October 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 633 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).
Last 30 days in Bay St Lucie: 1 closed sale (median $2,329,000). As of October 17, 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.
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.
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, 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.
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.
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, 2026-10-18). |
|---|---|
| HOA dues | Median $229/month across 3 MLS listings (most billed monthly; 2026-10-18). 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.
HOA, CDD & Fees
- HOA dues reported around $229/month (about $2,750/yr) · median of 3 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $229 per month ($2,750 a year) — the median AssociationFee across 3 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, 2026-10.
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 →
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, 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.
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
- Stuart pool homes for sale
- Stuart waterfront homes for sale
- Gated communities in Stuart
- Stuart golf course homes
- Homes under $300K in Stuart
- Homes from $300K to $500K in Stuart
- 4-bedroom homes for sale in Stuart
- Stuart home values: what is my house worth?
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)
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 October 2026.
- October 2026Development
Port St. Lucie board considers rezoning for up to 1,200 homes at Wilson Grove
The Planning and Zoning Board took up a rezoning of nearly 360 acres of agricultural land north of SW Becker Road, between SW Sundance Vista Boulevard and Rangeline Road, to a master planned unit development. The concept plan allows up to 1,200 homes plus parks, lakes and clubhouses. City Council would vote later in October.
What it may mean for the marketUp to 1,200 new homes in western Port St. Lucie would add housing supply and increase traffic demand on Becker Road. The project is about 13 miles northwest of Bay St Lucie, elsewhere in St. Lucie County.
Source: CBS12 (WPEC) - 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) - August 2026Infrastructure
St. Lucie County reviews updated Port of Fort Pierce master plan with mega-yacht marina and spaceport recovery facility
The 2026 master plan for the Port of Fort Pierce proposes a mega-yacht marina, a spaceport recovery facility, expanded boat ramps and restaurants, with a marine commercial district at Harbour Pointe. County officials say nearly 15,000 registered boats compete for 147 trailer parking spaces near the inlet. The plan is under county review and Fort Pierce holds final approval.
What it may mean for the marketAdded boat ramp parking and marine commercial space would expand waterfront access and dining options near the Fort Pierce Inlet over a multi-year timeline. The project is about 20 miles north of Bay St Lucie, elsewhere in St. Lucie County.
Source: WPTV - July 2026Schools
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.
What it may mean for the marketThe consolidated campus adds modern school capacity in northern Fort Pierce and frees three older school sites for potential reuse. The project is about 19 miles north of Bay St Lucie, elsewhere in St. Lucie County.
Source: WFLX - July 2026Retail & Dining
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.
What it may mean for the marketA large format warehouse retailer and fuel station would expand shopping capacity in the Southern Grove commercial area. The project is about 12 miles northwest of Bay St Lucie, elsewhere in St. Lucie County.
Source: WQCS - July 2026Development
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.
What it may mean for the marketThe rezoning would add commercial retail and office capacity along the Crosstown Parkway corridor in Tradition. The project is about 12 miles northwest of Bay St Lucie, elsewhere in St. Lucie County.
Source: WFLX
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: October 18, 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.
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