Four Rivers
Homes for Sale in Palm City, FL
All 118 homes for sale in Palm City, FL · median $740,500 · 309 homes for sale in 34990 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Sean Quinn, Water Pointe Realty Group · via Beaches MLS
As of September 2026, Four Rivers in Palm City, FL has 2 homes for sale. Homes listed or recently sold were built 1970–1982; 4 of 4 report an HOA (median $133/mo); 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft).
| Location | Palm City, Martin County, FL · ZIP 34990 |
|---|---|
| Homes in the community | 72 (FL DOR 2025 assessment roll) |
| Years built | 1970–2022 (median 1982.0) |
| Typical living area | 3,266 sq ft (median) |
| Amenities listed by sellers | None, Boating |
| For sale right now | 2 active, 0 pending · median asking $1,614,500 · 12.0 months of supply |
| Owner-occupied (homestead) share | 85% |
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, “Four Rivers key facts,” movewithmomentum.com/neighborhoods/four-rivers-palm-city, data as of September 20, 2026.
Price here is driven by the house, not the sticker. This is a boating community where homes were built across a long span, from 1970 to 2023, with the median dating to 1982 and a median living area of 3,345 square feet. That mix of eras and sizable footprints means condition and water access do more to set value than any neighborhood-wide number, so expect a wide spread rather than a tidy comp set.
The posture is clearly buyer-leaning: 12 months of supply against a single active listing in a community of 95 homes. Practically, that means inventory turns over slowly and any one listing carries outsized weight. Buyers have room to be selective and to underwrite condition carefully; sellers should price to the home's actual state and be patient, because thin activity makes each transaction its own negotiation.
Four Rivers right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% 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: Low (2 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 26, 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
Four Rivers is a small boating community in Palm City with just 95 homes, and with roughly 86% carrying a homestead exemption it reads as a stay-put, owner-occupied enclave rather than a turnover market.
BeachesMLS sales records identify 39 homes in Four Rivers that have changed hands since 2002, built between 1970 and 2020 (median 1982), with a median living area of about 3,536 sq ft and a typical 4-bedroom, 3.5-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 Four Rivers across 2024–2025 (2 in 2024, 1 in 2025), median $1.80M — 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 Four Rivers. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Four Rivers
Four Rivers
Four Rivers
Four Rivers
Four Rivers
Four RiversPhotos from Beaches MLS listings in Four Rivers; content deemed reliable but not guaranteed.
Who Four Rivers is best for.
Best for
- Boaters who want water access and are patient enough to wait for the right listing in a 95-home community
- Buyers seeking a larger home who will budget for inspection and potential updates on older stock
- Long-hold owner-occupants comfortable in a low-turnover, homestead-heavy community
Probably not for
- Buyers who need to close fast and want several homes to compare at once
- Anyone wanting a fully turnkey home with no appetite to assess condition on 1970s-to-2023 stock
- Short-term buyers counting on quick resale in a market with limited transaction volume
The market around Four Rivers
Four Rivers 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 Four Rivers specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Four Rivers, 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.
Homes For Sale Right Now in Four Rivers
Live MLS inventory for Four Rivers. 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 Four Rivers listings as of 2026-09-25, 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 Four Rivers Palm City Right Now (1)
All 1 active and pending Four Rivers Palm City listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5297 SW Anhinga Avenue · $1,879,000 · 3 bd / 2.5 ba · listed Jun 28, 2026 · listed by Water Pointe Realty Group
Four Rivers 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.
Life at Four Rivers
- Boating · reported on 1 of 3 listings
Community amenities as reported across Beaches MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Martin County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Palm City · Elementary
- Hidden Oaks · Middle
- Martin County · High
Zoned schools reflect the assignments reported on recent Four Rivers 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 Four Rivers address.
Shop the zone: Homes zoned for Martin County High School
The Four Rivers buying strategy.
If we were buying in Four Rivers 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.
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.
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 Four Rivers.
A boating pocket where the house sets the price
The building record runs from 1970 to 2023, so you will find original-era homes alongside newer construction and everything renovated in between. The median build year of 1982 tells you a meaningful share of stock is older, and the median living area of 3,345 square feet points to substantial homes rather than starter footprints. Underwrite each property on its own terms: roof, systems, and any water frontage will move value far more than the community label.
Boating is the amenity reported across this community's MLS listings, which fits the Palm City, Martin County location. Access details matter and vary, so confirm current amenities, any HOA rules, and dock or waterway access directly with the HOA before you write an offer.
The location and the amenities are priced into every listing in Four Rivers. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 95-home community with one active listing, there is no deep comp set to lean on, so pricing and offer strategy come down to reading condition, water access, and the handful of recent sales correctly. We know the Palm City boating market, we will verify amenity and HOA details before you commit, and we will tell you plainly when a specific home does not justify its ask.
Four Rivers in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $133/month (about $1,596/yr) · median of 9 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $133 per month ($1,596 a year) — the median AssociationFee across 9 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 Four Rivers 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 Four Rivers sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Four Rivers, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Four Rivers home worth?
Get a no-obligation home value based on real comparable sales in Four Rivers, 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 →
Recently off market in Four Rivers
Homes in Four Rivers 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.
- 659 SW Bittern Street · off market
25% of homes for sale in ZIP 34990 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 (2026-09-26).
Four Rivers Market Scorecard
Four Rivers is currently a buyer-leaning market (limited data). About 12.0 months of supply, a median asking price of $1,614,500, and homes go under contract in about 224.5 days.
Typical home value in the 34990 ZIP is $612,030, about 2.4% above 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
Is Four Rivers a buyer's or seller's market right now?
How many homes are in Four Rivers?
What share of Four Rivers is owner-occupied?
When were the homes in Four Rivers built?
Who is the best real estate agent for Four Rivers?
How do I find a top Palm City real estate agent who knows Four Rivers?
Can Momentum Realty connect me with an agent for Four Rivers?
Where is Four Rivers, and what county is it in?
Should you buy in Four Rivers?
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 25, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34990)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2016 (2 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Four Rivers fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Four Rivers with Momentum Realty’s local guides.