Cove Royale
Homes for Sale in Stuart, FL
All 255 homes for sale in Stuart, FL · median $444,900 · 300 homes for sale in 34997 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
As of September 2026, Cove Royale in Stuart, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 10 recorded sales closed at a median of $817,000, $371 per square foot, a median 49 days on market, sellers accepting 96% of original asking (-13% versus the prior year). Homes listed or recently sold were built 2025–2026 with 5 new construction; 5 of 5 report an HOA (median $377/mo). At the median price and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $12,640 ($12,030 with the full homestead exemption).
| Location | Stuart, Martin County, FL · ZIP 34997 |
|---|---|
| Homes in the community | 24 (FL DOR 2025 assessment roll) |
| Years built | 2024–2024 (median 2024.0) |
| Typical living area | 2,292 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Gated, Gated - No Guard, Heated Pool, Jogging Path |
| Sale prices, last 12 months | $817,000 median across 10 closed sales · $371 per sq ft · -13.1% vs the prior 12 months |
| Days on market (closed sales) | 49 median |
| For sale right now | 1 active, 0 pending · median asking $899,000 · 3.0 months of supply |
| Owner-occupied (homestead) share | 16% |
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, “Cove Royale key facts,” movewithmomentum.com/neighborhoods/cove-royale, data as of September 20, 2026.
Cove Royale in Stuart is a waterfront-access enclave where the median sits at $817,000 and buyers pay around $371 per square foot. That figure reflects direct or nearby deep-water access and the Martin County location premium—attributes that insulate price even when volume is thin. The ten closings in our window show a narrow, repeatable band of buyers who know exactly what they want and are willing to wait for it.
The 13.1 percent year-over-year decline tells you two things: prices stretched in the prior cycle, and sellers who adjust now are moving homes in 49 days. Inventory here is scarce by design—low-density waterfront parcels do not multiply—so when a well-priced listing appears, it clears quickly. If you are a buyer, prepare for limited choice and firm negotiation. If you are a seller, the market will pay for condition and realistic pricing; it will not pay for hope.
Cove Royale right now
🟡 Balanced market. 3.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 (1 active and pending listings, 10 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($817K) is down 13.1% from the prior 12 months ($940K). With about 6 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Beaches MLS closed sales, 12-month windows ending September 20. Confidence: Low (10 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 25, 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
Cove Royale market snapshot (as of September 20, 2026): the median sale price is about $817K ($371 per sq ft over the trailing 12 months of closed sales), a median 49 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is down 13% from the prior 12 months, computed from record-level Beaches MLS closed sales (10 closings in the current window).
In ZIP 34997 (Stuart), 583 homes closed in the last 12 months at a median of $415K ($249/sq ft), down 3.0% year over year, with a median 64 days on market. Right now 90 active and 26 pending listings put supply at about 4.1 months — a balanced market. See the live ZIP 34997 housing market and the Martin County market.
County records show 19 qualified sales in Cove Royale across 2024–2025 (17 in 2024, 2 in 2025), median $790,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Cove Royale is a community of 24 homes in Stuart, Martin County, built between 2024 and 2024 (median 2024.0), with a median living area of about 2,292 square feet. 16% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A low-density waterfront pocket in Stuart where the median of $817,000 buys boating access and Martin County's slower pace, and where the 49-day median time on market separates realistic sellers from those still anchored to last cycle's peaks.
The setting & the homes.
Aerial and on-site photos of Cove Royale. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Cove RoyalePhotos from Beaches MLS listings in Cove Royale; content deemed reliable but not guaranteed.
Who Cove Royale is best for.
Best for
- Boaters with vessels requiring protected deep-water slips and budgets comfortably in the eight hundreds who value Martin County's lower density over Palm Beach County's amenity layer.
- Buyers relocating from higher-cost waterfront markets who recognize that $817,000 in Stuart buys dock and access that would cost double an hour south.
- Investors or second-home buyers who want a finite-inventory waterfront asset, understand marine maintenance costs, and do not need immediate liquidity.
Probably not for
- Buyers stretching to the median who cannot absorb a fifty-thousand-dollar dock or seawall repair without refinancing or selling.
- Anyone expecting frequent inventory turnover or multiple comparable listings to choose from in a given quarter—volume here is event-driven and episodic.
- Households prioritizing walkable retail, dining, or community amenities over direct water access—Cove Royale's value proposition is the dock, not the destination around it.
Housing distress & ownership in Cove Royale, 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 Cove Royale
Live MLS inventory for Cove Royale. 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 Cove Royale listings as of 2026-09-22, 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 Cove Royale Right Now (1)
All 1 active and pending Cove Royale listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6870 SE Haven Lane · $899,000 · 3 bd / 3 ba · listed Jul 9, 2026 · listed by Alton Life Realty LLC
Cove Royale 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.
Schools
- Martin County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- SeaWind · Elementary
- Murray · Middle
- South Fork · High
Zoned schools reflect the assignments reported on recent Cove Royale 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 Cove Royale address.
Shop the zone: Homes zoned for South Fork High School
The Cove Royale buying strategy.
If we were buying in Cove Royale 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 Cove Royale.
What the number and the median days tell you
The $817,000 median reflects two immovable facts: waterfront access and Martin County scarcity. Cove Royale sits in a part of Stuart where deep-water dockage or close proximity to it is the organizing principle of value. Buyers here are not comparing school zones or walkable retail; they are comparing draft, seawall condition, and minutes to the inlet. That narrows the competitive set and keeps the floor high even when the broader market softens.
The 13.1 percent year-over-year decline is a reset, not a collapse. The prior cycle pulled waterfront pricing into territory that required both perfect condition and a buyer in a hurry. Neither of those conditions holds today. What you see now is a market where condition matters again—deferred dock work, older roof, dated interiors all cost you weeks and dollars—and where the 49-day median separates homes priced to the current comp set from those priced to memory.
Volume is predictably low: ten closings in our window is normal for a finite-inventory waterfront neighborhood. Turnover here happens when life events—retirement relocation, estate settlement, upsizing to a larger vessel slip—force a sale, not because owners are chasing appreciation. If you are a buyer, expect to wait for the right listing and to compete when it appears. If you are a seller, price to the median and condition, and you will clear in under two months; price to the peak, and you will watch your days on market climb while the next realistic seller takes your buyer.
The location and the amenities are priced into every listing in Cove Royale. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cove Royale buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (4.6). Basis: Recent Direction -13.1% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 16% owner-occupied; Pricing Power 95.9% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Waterfront transactions in Martin County demand broker fluency in marine survey, dock permitting, and the timing quirks of a thin-inventory market. Momentum's team knows when a seawall repair shifts value by fifty thousand dollars and when a slip configuration makes a home unsellable at any price. We price to the current median, we do not overpromise days on market, and we will tell you when the home you want does not fit the budget you have. In a neighborhood where ten sales set the comp baseline for months, that clarity is the difference between a clean close and a failed contract.
Cove Royale in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $377/month (about $4,524/yr) · median of 39 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $377 per month ($4,524 a year) — the median AssociationFee across 39 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 Cove Royale 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 Cove Royale sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cove Royale, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cove Royale home worth?
Get a no-obligation home value based on real comparable sales in Cove Royale, 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 →
25% of homes for sale in ZIP 34997 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 (2026-09-25).
Frequently Asked Questions
What is the median home price in Cove Royale?
How long do homes in Cove Royale take to sell?
Is Cove Royale a buyer's or seller's market right now?
How many homes are in Cove Royale?
What share of Cove Royale is owner-occupied?
When were the homes in Cove Royale built?
Who is the best real estate agent for Cove Royale?
How do I find a top Stuart real estate agent who knows Cove Royale?
Can Momentum Realty connect me with an agent for Cove Royale?
Where is Cove Royale, and what county is it in?
Is Cove Royale a good place to live?
Should you buy in Cove Royale?
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) |
| Community market stats | Beaches MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 34997)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2025 (13 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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