Cobblestone in Palm City

Cobblestone

Established 1988 · Palm City · Martin County

Palm City's private gated golf community, half-acre-plus homesites around the Fox Club with a low HOA.

Private gated golfHalf-acre-plus lotsLow HOA, optional club
Live Market Pulse
78/100
Momentum
Seller's Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
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Unlock Off-Market Cobblestone

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive BeachesMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseBeachesMLS
$1.23M
Median Price
2mo
Supply
63days
Avg DOM
Strong
Seller Leverage
$377/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Cobblestone is a private gated golf community in Palm City, Martin County, just 238 residences across 512 acres around the Fox Club's private course, with half-acre-plus homesites and a notably low HOA. The read is land and condition with an optional club. Homes are custom-built and newer resales on generous lots, so the homesite, the view, and condition drive value, while Fox Club golf membership is optional rather than mandatory, and the HOA is reasonable. The space, the gated privacy, and the low carrying cost are the draw; the lot and the home are the deal. Confirm the HOA, the optional club terms, and the home's condition before you write."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cobblestone market snapshot (as of June 15, 2026): the median sale price is about $1.2M ($377 per sq ft), with homes averaging 63 days on market and 2.0 months of supply, a seller's market (limited data). Based on 6 recent closings in live BeachesMLS data.

Cobblestone is a private, gated golf community in Palm City, Martin County, spanning 512 acres with only 238 residences, which gives the community a low-density, spacious feel. Homesites are a minimum of about half an acre, many with panoramic views of the golf course, lakes, and preserves.

Homes are custom-built, a mix of new construction and quality newer resales, set amid a rural atmosphere. Because the community is low-density and relatively recent, the homesite, the view, and condition drive value more than square footage, and most purchases are resales of contemporary homes.

The golf is the Fox Club's 131-acre private course, redesigned in 2004 by British Open champion Darren Clarke, and membership is optional rather than mandatory. The HOA is reasonable, reported around $125 to $145 per month, covering landscaping maintenance, golf course maintenance, and security, which keeps the carrying cost low for a gated golf community.

Diligence is the diligence of a low-density gated community: confirm the HOA and exactly what it covers, the optional Fox Club membership terms if golf is desired, the reserves and any assessment, the homesite and view, and the condition of a custom home. Price by lot, view, and condition, not by the community name.

Best for

  • Buyers who want a private gated golf community with large homesites and a low HOA
  • Buyers who want golf access without a mandatory membership
  • Buyers who value space, privacy, and golf, lake, or preserve views in Palm City

Probably not for

  • Buyers who want a high-amenity, high-density resort community
  • Anyone seeking an attainable small lot or the lowest possible price point
  • Buyers who want a mandatory-club country club lifestyle

How Cobblestone is performing right now

78/100
momentum
Seller's Market (limited data)
Seller's marketBalancedBuyer's market
2Months of supplytight
63Median days on marketdays
4 : 1Under contract vs for salestrong demand
6Sold in last 12 monthsliquidity
+20%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from BeachesMLS, as of June 15, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cobblestone listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Cobblestone buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Cobblestone

Live MLS inventory for Cobblestone. 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 Cobblestone listings as of 2026-06-15, 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.

Listing locations from BeachesMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

I-95 and Martin Highway (SR 714)~5 to 10 min · main corridors; approximate
Florida's Turnpike~5 to 10 min · via Martin Highway
Downtown Stuart~15 to 20 min · east
Stuart and Hutchinson Island beaches~25 to 30 min · east to the coast
Palm Beach International (PBI)~45 to 55 min · south via I-95
Palm City shopping and dining~10 min · nearby corridors

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Cobblestone with Momentum Realty’s local guides.

Highlands ReserveHighlands ReservePalm City, FL · 0.2 miBerry GroveBerry GrovePalm City, FL · 2.0 miHammock CreekHammock CreekPalm City, FL · 2.0 miPiper's LandingYacht & Country ClubPiper's LandingYacht & Country ClubPalm City, FL · 2.2 miCanopy CreekCanopy CreekPalm City, FL · 2.3 miFox Groveat Meadow RunFox Groveat Meadow RunPalm City, FL · 2.6 miNewfieldNewfieldPalm City, FL · 3.2 miPalm City FarmsPalm City FarmsPalm City, FL · 3.2 miHIHighpointeStuart, FL · 3.4 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Cobblestone (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Martin County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Cobblestone is served by Martin County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Cobblestone address.

The takeaway

What actually shapes value at Cobblestone, sourced and dated. We do not publish rumor.

Recent Developments in Cobblestone

Our read on what is being built around Cobblestone, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishIn a low-density gated golf community, value turns on the homesite, the view, and condition, with golf optional and the HOA low. The durable draw is the space and privacy near I-95 and the Turnpike; the near-term variable is simply how the thin, custom-home market trades.

Low-density gated golf with optional membership

BullishJust 238 homes on 512 acres with half-acre-plus lots, a low HOA, and optional Fox Club golf keep carrying cost reasonable and the setting spacious, which supports demand. impact
SignificanceRadius: Community-wide

Low-density gated golf with optional membership

Custom-home, view-driven market

NeutralHomes are custom on generous lots, so the homesite, view, and condition drive value, and the thin inventory means individual sales matter. impact
SignificanceRadius: Community-wide

Custom-home, view-driven market

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Cobblestone, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. 2026
    Community

    Profiled as a low-density Palm City gated golf community

    Cobblestone is described as a private gated golf community on 512 acres with only 238 residences and half-acre-plus homesites, built around the Fox Club's 131-acre private course redesigned in 2004 by Darren Clarke, with optional club membership and a reasonable HOA reported around $125 to $145 per month covering landscaping, golf course maintenance, and security. Why it matters: The space, the low HOA, and the optional club define the community. Confirm the HOA, the optional Fox Club terms, and the condition of a custom home before you offer. Source

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.

If we were buying in Cobblestone, this is the order of operations we would run, and the one we run for our clients.

1

Read the homesite first. Golf, lake, and preserve views and the half-acre-plus lot drive value; confirm what the lot backs to.

2

Confirm the HOA and what it covers. Get the current amount, the inclusions, the reserves, and any assessment in writing.

3

Decide on the Fox Club. Golf membership is optional and separate; confirm the current terms if golf is part of why you are buying.

4

Inspect the custom home. Roof, HVAC, pool, and systems vary on custom homes; price condition honestly.

5

Comp by lot, view, and condition. Match the home to recent closed sales with a similar lot and view rather than to a community average.

Best Buy
An updated custom home on a golf, lake, or preserve lot, priced to recent comparable sales, with the optional club decision made.
Biggest Risk
Overpaying for an interior lot without a view, or underbudgeting the systems on a custom home.
Best Lot
Golf, lake, and preserve frontage and the larger lots carry premiums; interior lots without a view trade lower.
Smart Timing
A thin, low-density market rewards a prepared buyer who reads the lot and prices condition honestly.
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Cobblestone is a private, gated golf community in Palm City, Martin County (ZIP 34990), on 512 acres with only 238 custom residences and half-acre-plus homesites, built around the Fox Club's 131-acre private course, redesigned in 2004 by Darren Clarke. Club membership is optional; the HOA is reported around $125 to $145 per month, covering landscaping, golf course maintenance, and security. The community sits just off I-95 and Martin Highway. It is in the Martin County School District; assignments are set by address, so verify the exact zoned schools with the district.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Entry: interior lots or homes needing updates
$910K to $1.20M

Homes on interior lots or needing some updating. The entry into a low-density gated golf community; price the lot and the condition, since the HOA stays low across the community.

Lowest entry
Core: updated homes on golf or lake lots
$1.20M to $1.31M

Well-kept custom homes on solid golf, lake, or preserve lots. The heart of the market, where the homesite, view, and condition separate similar homes.

Most inventory
High: large custom homes on prime view lots
$1.31M to $1.39M

The largest, fully updated custom homes on the best golf, lake, or preserve frontage. The top of the community, priced on the lot, the view, and the finish.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$910K to $1.20M
Entry: interior lots or homes needing updates
Homes on interior lots or needing some updating. The entry into a low-density gated golf community; price the lot and the condition, since the HOA stays low across the community.
$1.20M to $1.31M
Core: updated homes on golf or lake lots
Well-kept custom homes on solid golf, lake, or preserve lots. The heart of the market, where the homesite, view, and condition separate similar homes.
$1.31M to $1.39M
High: large custom homes on prime view lots
The largest, fully updated custom homes on the best golf, lake, or preserve frontage. The top of the community, priced on the lot, the view, and the finish.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

No CDD on the tax billStrong
Central Palm City locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Cobblestone

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The gated privacy, the space, and the Fox Club are priced into every Cobblestone listing, and the HOA stays low. The deal is in the homesite, the view, and the condition of a custom home, not the headline number.

Jon Brooks · Founder, Momentum Realty
8.4A- · Buy Score
Resale Strength8.4/10
Renovation Risk4.8/10
Location Efficiency8.0/10
Long-Term Defensibility8.6/10
Carrying Cost Advantage8.4/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Cobblestone is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live BeachesMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live BeachesMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from BeachesMLS; for orientation, not an appraisal.

15-Second Take
  • Golf, lake, and preserve frontage and the larger lots carry the premiums here.
  • Interior lots without a view trade lower.
  • The lot and view cannot be renovated; the custom home can.

In a low-density gated golf community, the homesite is the part of your money the market gives back at resale. Golf, lake, and preserve frontage and the larger half-acre-plus lots command premiums, while interior lots without a view trade lower for good reason. Because the homes are custom, compare a home against recent closed sales with a similar lot and view, then price the condition against it.

Cobblestone in 15 seconds.

Best forBuyers who want a private gated golf community with large homesites and a low HOA in Palm City.
Strong onSpace and value: half-acre-plus lots, golf, lake, and preserve views, optional Fox Club golf, and a notably low HOA.
WatchThe homesite and view, the optional club terms if you want golf, and the condition of a custom home.
Not forBuyers who want a high-amenity high-density community, an attainable small lot, or a mandatory-club lifestyle.
The edgeReading the homesite and pricing a custom home's systems lets a prepared buyer avoid overpaying for an interior lot.

HOA, CDD & Fees

15-Second Take
  • The HOA is low for a gated golf community, around $125 to $145 per month.
  • Fox Club golf membership is optional, not mandatory.
  • Confirm the HOA inclusions, reserves, and the optional club terms before you offer.

Cobblestone's HOA is reasonable, reported around $125 to $145 per month, covering landscaping, golf course maintenance, and security. Confirm the current amount, the inclusions, the reserves, and any assessment before you offer; the optional Fox Club membership is separate.

The HOA generally funds landscaping maintenance, golf course maintenance, security, and the gate; confirm the exact inclusions and reserve position with the association.

Golf runs through the Fox Club's private 131-acre course, redesigned in 2004 by Darren Clarke, and membership is optional rather than mandatory. Confirm the current membership terms if golf is part of why you are buying.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Cobblestone, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Cobblestone, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Cobblestone home worth?

Get a no-obligation home value based on real comparable sales in Cobblestone matched to your condition, lot, and view, 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 homes for sale in Cobblestone on the map →
Or get your Cobblestone home value & selling guide →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Cobblestone year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Cobblestone Market Scorecard

Seller's Market (limited data)

Cobblestone is currently a seller's market (limited data). About 2.0 months of supply, a median asking price of $1,225,000, and homes go under contract in about 63 days.

2.0
Months supply
$1,225,000
Median list
$1,227,500
Median sold
$377
Per sqft
63
Days on mkt
1/4/6
Active/Pend/Sold

Typical home value in the 34990 ZIP is $606,148, right around the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: BeachesMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Cobblestone located?
In Palm City, Martin County, Florida (ZIP 34990), a private gated golf community just off I-95 and Martin Highway (SR 714), about 15 to 20 minutes from downtown Stuart and the Treasure Coast.
How big is Cobblestone?
It is low-density: 512 acres with only 238 residences and half-acre-plus homesites, which gives the community a spacious, rural feel with many homes on golf, lake, or preserve views.
Is golf membership mandatory at Cobblestone?
No. The Fox Club's private course is the golf amenity, and membership is optional rather than mandatory. Confirm the current club terms if golf is part of why you are buying.
What is the Cobblestone HOA fee?
The HOA is reasonable, reported around $125 to $145 per month, covering landscaping, golf course maintenance, and security. Confirm the current amount, inclusions, reserves, and any assessment before you offer.
What kinds of homes are in Cobblestone?
Custom-built single-family homes, a mix of new construction and quality newer resales, on half-acre-plus lots. The homesite, view, and condition drive value more than square footage.
Who designed the golf course?
The Fox Club's 131-acre private course was redesigned in 2004 by British Open champion Darren Clarke. It is the golf amenity at the center of Cobblestone, with optional membership.
How much do homes here cost?
Pricing is driven by the lot, the view, and condition across a custom-home community. Treat any reported figures as third-party context and confirm current pricing with a comparable-sales analysis weighted to the homesite.
Is Cobblestone gated?
Yes. It is a private, gated community with controlled access and security, with the HOA covering the gate and common-area maintenance.
What schools serve Cobblestone?
The community is in the Martin County School District. Assignments are set by home address and can change, so verify the exact zoned schools with the district before relying on it.
How is the location and commute?
Cobblestone sits just off I-95 and the Turnpike via Martin Highway, with downtown Stuart 15 to 20 minutes east, the beaches 25 to 30 minutes, and Palm Beach International about 45 to 55 minutes south. Drive times are approximate.
What should I verify before buying here?
The HOA and what it covers, the optional Fox Club terms if you want golf, the reserves and any assessment, the homesite and view, and the condition of a custom home.
Do I need my own agent to buy in Cobblestone?
Yes. The listing agent works for the seller. Your own agent reads the homesite, prices the custom home's condition, confirms the HOA and optional club, and comps to recent closed sales so you do not overpay.
You want a private gated golf community with large homesites and a low HOAExcellent fit
You want golf access without a mandatory membershipExcellent fit
You value space, privacy, and golf, lake, or preserve views in Palm CityExcellent fit
You want a high-amenity, high-density resort communityProbably not
You want an attainable small lot or the lowest possible price pointProbably not
You want a mandatory-club country club lifestyleProbably not

Get the inside read on Cobblestone

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cobblestone home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Cobblestone specialist will reach out personally, usually the same day.

BeachesMLS logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing photos provided by BeachesMLS, Inc. Information deemed reliable but not guaranteed.

Zoom out before you decide: see the Martin County market guide or every community in the Neighborhood Finder.

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