Charter Club
Homes for Sale in Palm City, FL
All 123 homes for sale in Palm City, FL · median $729,900 · 307 homes for sale in 34990 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 21 closed sales in Charter Club in Palm City, FL since 2002, the most recent in August 2025. Across Palm City as a whole, 136 homes closed in the last 12 months at a median of $776,500, 64 median days on market, with 51 homes for sale today. At that median and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $12,010 ($11,400 with the full homestead exemption).
| Location | Palm City, Martin County, FL · ZIP 34990 |
|---|---|
| Homes in the community | 137 (FL DOR 2025 assessment roll) |
| Years built | 1988–1995 (median 1994) |
| Typical living area | 1,533 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 70% |
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, “Charter Club key facts,” movewithmomentum.com/neighborhoods/charter-club, data as of September 20, 2026.
Charter Club is a small pocket in Palm City, and the honest headline is that we're working with thin data right now: a single closing in the current window and no community amenities showing on active MLS listings. That means price here is going to be driven almost entirely by the individual home — condition, updates, lot, and how motivated the seller is — rather than by any community premium or shared amenity package.
For a buyer, thin transaction volume cuts both ways: fewer comps to lean on, but also less competition on any given listing. For a seller, it means pricing has to be built from the home up and defended with recent nearby sales, not from a community reputation. In a market this quiet, patience and a sharp read on the specific property matter more than broad trends.
Nearby homes for sale
No active listings inside Charter ClubHomes for Sale in Palm City, FL 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
Charter Club sits in Palm City in Martin County, part of the beaches-area feed. It's a low-volume community where what you're buying is the individual home, not an amenity set — the current listings show none identified.
BeachesMLS sales records identify 16 homes in Charter Club that have changed hands since 2003, built between 1988 and 1995 (median 1990), with a median living area of about 1,681 sq ft and a typical 3-bedroom, 2-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 10 qualified sales in Charter Club across 2024–2025 (2 in 2024, 8 in 2025), median $390,000 — 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.
Who Charter Club is best for.
Best for
- Buyers who plan to hold and value the Palm City / Martin County location over community amenities
- Renovation-minded buyers willing to price and underwrite a home on its own condition
- Patient buyers who can wait for the right listing in a low-inventory pocket
Probably not for
- Buyers who need pool, clubhouse, or gated amenities as a baseline
- Buyers who want deep, recent comp data to justify every dollar before offering
- Buyers needing to transact fast in a high-turnover, high-volume market
The market around Charter Club
Charter Club is too small for its own price trend, so here is the market around it.
In ZIP 34990, 412 homes are on the market and 26% are under contract — a steady corner of Palm City.
Across Martin County, 1,283 homes are active and 398 pending (24% under contract).
In ZIP 34990 (Palm City), 322 homes closed in the last 12 months at a median of $765K ($280/sq ft), up 0.5% year over year, with a median 63 days on market. Right now 54 active and 23 pending listings put supply at about 5.1 months — a balanced market. See the live ZIP 34990 housing market and the Martin County market.
ZIP and county figures describe the wider market, not Charter Club specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Charter Club, Palm City
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.
The Charter Club buying strategy.
If we were buying in Charter Club 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 Charter Club.
A home-by-home market
With one closing in the current window and no community amenities surfacing in the MLS, Charter Club doesn't behave like an amenity-driven subdivision. There's no pool, clubhouse, or gate premium baked into value here as far as current listings show, so two homes on the same street can price very differently based on condition and updates alone.
That puts the burden on due diligence. The spread between an outdated home and a renovated one can be wide, and with limited recent sales to anchor expectations, both sides need to work from the specific property and the closest comparable activity in Palm City rather than from a community average.
The location and the amenities are priced into every listing in Charter Club. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Thin data is exactly where local judgment earns its keep. With only one recent closing and no amenity story to lean on, we build value from the home itself and the nearest relevant Palm City activity — and we'll tell you plainly when a listing is priced on hope rather than evidence.
Charter Club in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Charter Club 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 Charter Club sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Charter Club, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Charter Club home worth?
Get a no-obligation home value based on real comparable sales in Charter Club, 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 Palm City →
Frequently Asked Questions
How many homes are in Charter Club?
What share of Charter Club is owner-occupied?
When were the homes in Charter Club built?
Who is the best real estate agent for Charter Club?
How do I find a top Palm City real estate agent who knows Charter Club?
Can Momentum Realty connect me with an agent for Charter Club?
Where is Charter Club, and what county is it in?
Should you buy in Charter Club?
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 22, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34990)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2002 (21 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 Charter Club fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Charter Club with Momentum Realty’s local guides.