Circle Bay Yacht Club in Stuart
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Photo via Beaches MLS

Built fromLive Beaches MLS data19 years of closingsUpdated twice daily

As of September 2026, Circle Bay Yacht Club in Stuart, FL has 8 homes for sale and 1 pending, asking from $198,888 to $380,000 (median $312,000). Homes listed or recently sold were built 1974–1982; 18 of 18 report an HOA (median $674/mo); 12 of the 13 geocoded homes sit in a FEMA special flood hazard zone (median elevation 5 ft).

Circle Bay Yacht Club key facts
LocationStuart, Martin County, FL · ZIP 34994, 34996
Home types (current listings and sales)condos 100%
Amenities listed by sellersPool, Clubhouse, Shuffleboard Court, Boating, Billiard Room, Community Room
For sale right now8 active, 1 pending · median asking $312,000 · 10.7 months of supply

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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Circle Bay Yacht Club key facts,” movewithmomentum.com/neighborhoods/circle-bay-yacht-club, data as of September 20, 2026.

Last 30 days in Circle Bay Yacht Club: 2 new listings (median asking $261,944), 1 under contract right now, 1 closed sale (median $320,000). As of September 26, 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.

Live · Circle Bay Yacht Club Housing Pulse Beaches MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
10.7mo
Supply
3 to 6 months is the balanced band
11%
Under contract
Martin: 24% (398 of 1,681)
8 · 1
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 2 a year

Homes For Sale Right Now in Circle Bay Yacht Club

Live MLS inventory for Circle Bay Yacht Club. 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 Circle Bay Yacht Club 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.

Every Home for Sale in Circle Bay Yacht Club Right Now (2)

All 2 active and pending Circle Bay Yacht Club listings with a detail page, newest first, refreshed twice a day from the MLS.

Jon Brooks, founder of Momentum Realty
Jon's Current Read

Circle Bay Yacht Club sits on the west shore of the St. Lucie River in Stuart, a waterfront enclave where deep-water access and canal frontage drive the pricing conversation. Most of the value here is tied to what water your home touches—direct river, protected canal, or interior lot—and the condition of the dock and seawall. Slip dimensions and navigability matter more than square footage for many buyers.

With only two closings recorded over the past twelve months, this is a low-inventory, low-turnover community. That thin transaction history makes it difficult to establish a confident market tempo or directional trend. Buyers need patience and sellers should expect long list cycles; the pool of qualified waterfront buyers in Stuart is finite, and each sale tends to be driven by condition and access rather than neighborhood momentum.

Circle Bay Yacht Club Housing Pulse · Momentum Research · as of September 20, 2026

Circle Bay Yacht Club right now

🟢 Buyer-leaning market. 10.7 months of supply and 11% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Beaches MLS records, as of September 20, 2026. Confidence: Medium (9 active and pending listings, 2 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated September 27, 2026 · Live data: Beaches MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Circle Bay Yacht Club is a riverfront community in Stuart where deep-water boating access defines value and transaction volume stays low.

BeachesMLS sales records identify 27 homes in Circle Bay Yacht Club that have changed hands since 2007, built between 1974 and 1983 (median 1979), with a median living area of about 1,001 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: BeachesMLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

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

  • Boaters prioritizing river access and canal protection over amenities, comfortable with variable pricing and sparse comps
  • Downsizers or second-home buyers seeking Stuart waterfront without gated-community fees or lifestyle programming
  • Buyers willing to invest in dock and seawall upgrades in exchange for a direct-access river location

Probably not for

  • First-time waterfront buyers expecting predictable pricing, quick closings, and abundant recent comparables
  • Buyers seeking a turnkey community with clubhouse, pool, fitness center, or organized social activities
  • Investors counting on rapid appreciation or liquid resale in a high-turnover market

The market around Circle Bay Yacht Club

Circle Bay Yacht Club is too small for its own price trend, so here is the market around it.

In ZIP 34994, 214 homes are on the market and 22% are under contract — a steady corner of Stuart.

Across Martin County, 1,283 homes are active and 398 pending (24% under contract).

In ZIP 34994 (Stuart), 223 homes closed in the last 12 months at a median of $275K ($224/sq ft), up 6.6% year over year, with a median 68 days on market. Right now 48 active and 6 pending listings put supply at about 4.4 months — a buyer's market. See the live ZIP 34994 housing market and the Martin County market.

ZIP and county figures describe the wider market, not Circle Bay Yacht Club specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Circle Bay Yacht Club, 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 19 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-09-22)

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.

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

Schools

In short
  • Martin County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • J.D. Parker · Elementary
  • Stuart · Middle
  • Jensen Beach · High

Zoned schools reflect the assignments reported on recent Circle Bay Yacht Club listings and can change; always confirm with Martin County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Circle Bay Yacht Club address.

If we were buying in Circle Bay Yacht Club 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

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

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 Circle Bay Yacht Club.

Best Buy
Buyers who prioritize deep-water river access and are comfortable with low turnover and limited amenities.
Biggest Risk
Thin transaction volume makes pricing less predictable and resale timelines longer.
Sweet Spot
Experienced boaters seeking a no-frills waterfront location where the slip and seawall matter more than community features.
Avoid If
You want frequent comps, quick closings, or a resort-style community with shared amenities and active social calendar.

A quiet river community where access sets the price

Circle Bay Yacht Club occupies a slice of Stuart's St. Lucie River waterfront, and nearly everything about the market here comes back to boating. Homes with direct river frontage, protected canal slips, and deep-draft access command the pricing, while interior lots trade at a discount. The neighborhood itself offers no recorded amenities—no clubhouse, pool, or tennis—so the appeal is strictly location and water.

Transaction volume is sparse. Just two closings in the trailing twelve months means there is little market rhythm to read, and pricing can vary widely depending on lot position, home condition, and dock infrastructure. Buyers here tend to be experienced boaters who know the St. Lucie and are looking for a specific kind of access, not a turnkey resort lifestyle. Sellers should be prepared for extended marketing periods and for serious buyers to focus inspection attention on bulkheads, pilings, and navigability before they worry about kitchen finishes.

Stuart itself offers a walkable downtown, proximity to the beaches of Hutchinson Island, and a less congested alternative to Palm Beach County. Circle Bay positions you on the water but not in a gated, amenity-heavy development. It is a straightforward waterfront community for buyers who prioritize the slip over the clubhouse.

“

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

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

Low-volume waterfront communities require brokers who understand marine access, permitting, and seawall condition—not just comps. Momentum Realty brings riverfront transaction experience across the Treasure Coast and knows how to value dock infrastructure, navigate FIND permitting, and position a home when comparable sales are months apart. We will tell you what the water is worth, what the next buyer will scrutinize, and when you should walk away from a bulkhead repair bill that outweighs the lot premium.

Circle Bay Yacht Club in 15 seconds.

Best forBuyers who prioritize deep-water river access and are comfortable with low turnover and limited amenities.
Biggest advantageDirect St. Lucie River frontage with navigable canals and proximity to Stuart's downtown and Hutchinson Island beaches.
Biggest riskThin transaction volume makes pricing less predictable and resale timelines longer.
Sweet spotExperienced boaters seeking a no-frills waterfront location where the slip and seawall matter more than community features.
Avoid ifYou want frequent comps, quick closings, or a resort-style community with shared amenities and active social calendar.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Circle Bay Yacht Club Condos for Sale in Stuart, FL 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 Circle Bay Yacht Club Condos for Sale in Stuart, FL.
In short
  • HOA dues reported around $677/month (about $8,124/yr) · median of 115 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $677 per month ($8,124 a year) — the median AssociationFee across 115 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 Circle Bay Yacht Club sales matched to your home.

What is your Circle Bay Yacht Club home worth?

Get a no-obligation home value based on real comparable sales in Circle Bay Yacht 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 Stuart →

Real comps, not an automated estimate.

Recently off market in Circle Bay Yacht Club

Homes in Circle Bay Yacht Club 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.

How much local inventory is already under contract

21% of homes for sale in ZIP 34994 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

Is Circle Bay Yacht Club a buyer's or seller's market right now?
As of September 20, 2026, Circle Bay Yacht Club leans toward buyers: 10.7 months of supply at the current sales pace (Beaches MLS live counts).
Who is the best real estate agent for Circle Bay Yacht Club?
The best agent for Circle Bay Yacht Club 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 Circle Bay Yacht Club.
How do I find a top Stuart real estate agent who knows Circle Bay Yacht Club?
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 Circle Bay Yacht Club and the wider Stuart area.
Can Momentum Realty connect me with an agent for Circle Bay Yacht Club?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Circle Bay Yacht Club purchase or sale - no call center and no pressure.
Where is Circle Bay Yacht Club, and what county is it in?
Circle Bay Yacht Club is in Stuart, Martin County, FL, ZIP codes 34994, 34996. The community's center is about 2 miles south of the center of Stuart (straight-line).
Boaters prioritizing river access and canal protection over amenities, comfortable with variable pricing and sparse compsExcellent fit
Downsizers or second-home buyers seeking Stuart waterfront without gated-community fees or lifestyle programmingExcellent fit
Buyers willing to invest in dock and seawall upgrades in exchange for a direct-access river locationExcellent fit
First-time waterfront buyers expecting predictable pricing, quick closings, and abundant recent comparablesProbably not
Buyers seeking a turnkey community with clubhouse, pool, fitness center, or organized social activitiesProbably not
Investors counting on rapid appreciation or liquid resale in a high-turnover marketProbably not

Data sources & freshness

Live listingsBeaches MLS, refreshed twice daily (last: September 26, 2026)
Under-contract sharesBeaches MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2007 (23 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 Circle Bay Yacht Club with Momentum Realty’s local guides.

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Browse all neighborhood guides →

Thinking of selling in Circle Bay Yacht Club? 2 recorded closings (window ending 2026-09-20). See the Martin 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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