Four Rivers in Palm City

Four Rivers

Waterfront boating community · Palm City · Palm City, ZIP 34990

A waterfront boating community of 102 single-family homes on deep-water canals with no fixed bridges, with direct access to the St. Lucie River and the Atlantic.

Every home on waterNo fixed bridgesDeep-water canals
Live Market Pulse
53/100
Momentum
Buyer-Leaning Market (limited data)
This is a waterfront boating community, so the read is the canal depth and width, the seawall and dock, the route to open water, and the home's condition on the larger lots.
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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
$975K
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
$368/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Four Rivers is a waterfront boating community of 102 single-family homes in Palm City, each on a deep-water canal off the south fork of the St. Lucie River, on lots mostly over three-quarters of an acre with no fixed bridges to open water. The read is the canal depth and width, the seawall and dock, and the route to the river and the Atlantic, plus the home's condition. Your leverage is verifying the boating access and seawall and matching the home to its specific waterfront comps, with the low dues funding canal maintenance a notable plus."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Four Rivers market snapshot (as of June 15, 2026): the median sale price is about $975K ($368 per sq ft), a buyer-leaning market (limited data). Based on 1 recent closings in live BeachesMLS data.

Four Rivers is a waterfront boating community of 102 single-family homes in Palm City, Martin County (34990), established in 1971, with every home on a deep-water canal off the south fork of the St. Lucie River, on lots mostly over three-quarters of an acre.

The canals can accommodate boats up to about sixty feet and have no fixed bridges, giving direct access to the St. Lucie River and the Atlantic. Dues are reported low, around $125 a month as of 2024, and fund maintenance of the canals to a navigable depth.

The buy here is the water and the home's condition. Verify the canal depth and width, the seawall and dock, and the route to open water, then match the home to its specific waterfront comps.

Best for

  • Buyers who want a single-family home on a deep-water canal
  • Buyers who value no fixed bridges and direct ocean access for boating
  • Buyers who want larger lots with privacy in Palm City
  • Buyers who want low dues that fund canal maintenance

Probably not for

  • Buyers who want a gated, amenity-rich HOA community
  • Buyers who want new construction with a builder warranty
  • Buyers who want a turnkey home with no water-system due diligence
  • Buyers who want a high-rise or maintenance-free lifestyle

How Four Rivers is performing right now

53/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
67Median days on marketdays
1 : 0Under contract vs for salestrong demand
1Sold in last 12 monthsliquidity
+0%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 Four Rivers 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 Four Rivers buys, holds, and resells. See the five factors.

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.

No homes are actively for sale in Four Rivers right now, so its recent closed sales are shown, 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.

Interstate 95 at Martin Highway~5 to 10 min · west
Florida's Turnpike~5 to 10 min · west
Downtown Stuart~15 min · east
Atlantic Ocean via the St. Lucie Riverby boat · no fixed bridges

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 Four Rivers with Momentum Realty’s local guides.

Crane Creek Country ClubCrane Creek Country ClubPalm City, FL · adjacentSeagate HarborSeagate HarborPalm City, FL · 0.3 miPalm CoveGolf & Yacht ClubPalm CoveGolf & Yacht ClubPalm City, FL · 0.6 miPelican CovePelican CovePalm City, FL · 0.7 miLake TuscanyLake TuscanyStuart, FL · 1.0 miWhispering SoundWhispering SoundPalm City, FL · 1.2 miHeronwoodHeronwoodPalm City, FL · 1.2 miThe Meadowsat Martin DownsThe Meadowsat Martin DownsPalm City, FL · 1.3 miOsprey Creekat Martin DownsOsprey Creekat Martin DownsPalm City, FL · 1.4 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
Four Rivers (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

Four Rivers 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 Four Rivers address.

The takeaway

What is actually shaping value at Four Rivers: a 102-home deep-water boating community with no fixed bridges and low canal-maintenance dues in Palm City. Each item is sourced and dated.

Recent Developments in Four Rivers

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

Net OutlookBullishDeep-water homes with no fixed bridges stay scarce and in demand on the Treasure Coast. The near-term read is the canal and the seawall.

No fixed bridges to open water

Ongoing
BullishHigh impact
SignificanceRadius: Community

Direct ocean access with no fixed bridges is a scarce, durable premium for boaters.

Every home on a deep-water canal

Ongoing
BullishHigh impact
SignificanceRadius: Community

Universal waterfront with canals for large boats supports long-term value.

Low canal-maintenance dues

2024
BullishNotable impact
SignificanceRadius: Community

Dues reported around $125 a month that fund canal depth protect boating access affordably.

Large lots and privacy

Ongoing
BullishNotable impact
SignificanceRadius: Community

Three-quarter-acre-plus lots add privacy that supports demand.

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 Four Rivers, 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 ↓

    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 Four Rivers, this is the order of operations we would run, and the one we run for our clients.

    1

    Verify the boating access, the canal depth and width and the route to open water.

    2

    Inspect the seawall and dock and budget for any repairs.

    3

    Read the home's condition and the lot on a three-quarter-acre-plus parcel.

    4

    Confirm the current dues and the canal-maintenance arrangement.

    5

    Match the home to its specific waterfront comps, since position drives value.

    Best Buy
    A sound waterfront home with a good seawall and deep canal matched to comps
    Biggest Risk
    Underbudgeting seawall or dock work, or overpaying for shallower canal access
    Best Lot
    A deep, wide canal with a clear route to open water over a shallower one
    Smart Timing
    Confirm the seawall condition and the canal-maintenance dues
    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

    Four Rivers is a waterfront boating community of 102 single-family homes in Palm City (34990), established in 1971, with every home on a deep-water canal off the south fork of the St. Lucie River, on lots mostly over three-quarters of an acre. The canals can accommodate boats up to about sixty feet and have no fixed bridges, giving direct access to the St. Lucie River and the Atlantic. Dues are reported low, around $125 a month as of 2024, funding canal maintenance to a navigable depth.

    The takeaway

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

    The Interior or Smaller Home
    $975K to $975K

    The smaller waterfront homes on the community's canals, the entry into a deep-water boating community.

    Lowest entry
    The Core Waterfront Home
    $975K to $975K

    The mid-size waterfront homes with a seawall and dock, the core of the resale market here.

    Most inventory
    The Deep-Canal Estate
    $975K to $975K

    Larger homes on the deepest, widest canals with the best route to open water, the homes that tend to hold value best.

    Strongest resale

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

    $975K to $975K
    The Interior or Smaller Home
    The smaller waterfront homes on the community's canals, the entry into a deep-water boating community.
    $975K to $975K
    The Core Waterfront Home
    The mid-size waterfront homes with a seawall and dock, the core of the resale market here.
    $975K to $975K
    The Deep-Canal Estate
    Larger homes on the deepest, widest canals with the best route to open water, the homes that tend to hold value best.

    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 Four Rivers

    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 waterfront, no-fixed-bridge address is in every listing. The deal turns on the canal, the seawall, and the route to open water.

    Jon Brooks · Founder, Momentum Realty
    8.5A · Buy Score
    Resale Strength8.5/10
    Renovation Risk6.8/10
    Location Efficiency8.4/10
    Long-Term Defensibility8.8/10
    Carrying Cost Advantage8.2/10

    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 Four Rivers 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 lots hold value best
    • Interior lots are where buyers overpay
    • The lot cannot be renovated, the house can
    • Premium homesites resell faster
    • ~3% asking premium for premium lots today

    In a built-out club community, the lot is the resale insurance

    The houses can be renovated, but the lot and view cannot. Golf frontage, lakefront, and preserve lots consistently command higher premiums and resell faster than interior lots backing to another home. The premium you pay for a great homesite is the discount you avoid when you sell.

    The mistake is paying an estate price for a base interior lot. We help buyers spot which homesites carry real, durable premiums and which are dressed-up interiors, so your money lands where the market will give it back.

    Strongest resaleGolf frontage and lakefront homesites at Four Rivers

    Golf & lakefront lots

    Open views over the course or the 26 community lakes. The scarcest, most in-demand homesites; they command the highest premiums and resell fastest.

    Strong resalePreserve-backing homesites at Four Rivers

    Preserve lots

    Backing to protected preserve means privacy with no rear neighbor. A consistent favorite that holds value well above a standard interior lot.

    Moderate resaleCul-de-sac and larger interior homesites at Four Rivers

    Cul-de-sac & larger lots

    Less traffic, more yard, and an easy walk to the club for some streets. A real but smaller premium that depends on the street and parcel size.

    Value tierStandard interior homesites at Four Rivers

    Standard interior lots

    The most affordable way through the gates, and the best renovation value. Just do not pay a golf or lake price for one, this is where buyers most often overpay.

    Relative resale strength by lot and view, illustrative of how Four Rivers homesites trade. The exact premium depends on the specific home, the view, and the street.

    Four Rivers in 15 seconds.

    Best forBuyers who want a single-family home on a deep-water canal with direct ocean access.
    Biggest advantageEvery home on water, no fixed bridges, and large lots with low canal-maintenance dues.
    Biggest riskSeawall and condition on waterfront homes with varying canal depth.
    Sweet spotA sound waterfront home with a deep canal matched to its comps.
    Avoid ifYou want a gated amenity community, new construction, or a maintenance-free lifestyle.

    HOA, CDD & Fees

    15-Second Take
    • No CDD, a real carrying-cost edge
    • Quarterly POA dues (Vesta) include Hotwire internet + cable
    • Club dues are separate and optional
    • Budget a renovation reserve for a 1990s home
    • The no-CDD edge beats Nocatee and RiverTown

    Reported low, around $125 a month as of 2024 (third-party reported), funding maintenance of the canals to a navigable depth; confirm the current amount and what it covers for a specific home.

    Reported to fund canal maintenance to a navigable depth at mean low tide and common areas; confirm the schedule and any reserves per home.

    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 Four Rivers, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping North River Shores, 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 Four Rivers home worth?

    Get a no-obligation home value based on real comparable sales in Four Rivers 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 Four Rivers on the map →
    Or get your Four Rivers home value & selling guide →

    Real comps, not a Zestimate.

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in Four Rivers 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.

    Four Rivers Market Scorecard

    Buyer-Leaning Market (limited data)

    Four Rivers is currently a buyer-leaning market (limited data). Limited supply, a median asking price of n/a.

    n/a
    Months supply
    n/a
    Median list
    $975,000
    Median sold
    $368
    Per sqft
    n/a
    Days on mkt
    0/1/1
    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

    Is Four Rivers a gated community?
    No. Four Rivers is not a gated community, based on third-party descriptions; confirm with the listing.
    What type of homes are in Four Rivers?
    Four Rivers is characterized by a waterfront boating community of 102 single-family homes, each on a deep-water canal off the south fork of the St. Lucie River, on lots mostly over three-quarters of an acre with no fixed bridges to open water. Confirm the specifics of any individual home with the listing.
    Does Four Rivers have an HOA?
    Yes. Dues are reported at reported low, around $125 a month as of 2024, funding maintenance of the canals to a navigable depth (third-party reported). Treat that as reported and confirm the current amount and what it covers for a specific home.
    Does Four Rivers have a CDD fee?
    Confirm the CDD status per parcel with the listing.
    What amenities does Four Rivers offer?
    The defining feature is the water, with every home on a deep-water canal that can accommodate boats up to about sixty feet and no fixed bridges, giving direct access to the St. Lucie River and the Atlantic; the low dues fund canal maintenance to a navigable depth. Confirm current amenity access and any associated fees with the listing.
    What schools serve Four Rivers?
    Four Rivers is in the Martin County School District in Palm City; confirm the exact zoning for a specific home with the district. School assignment is by address and changes periodically, so confirm the exact zoning for a specific Four Rivers home with the district.
    Where is Four Rivers located?
    Four Rivers is in Palm City, Martin County, Florida (34990). It sits in Palm City along the south fork of the St. Lucie River, near Interstate 95 and Florida's Turnpike.
    Is Four Rivers a good place to buy?
    Four Rivers offers a waterfront boating community of 102 single-family homes on deep-water canals with no fixed bridges to open water. The right read is a comparable-sales analysis on a specific home; this is not a guarantee of future value.
    How is the market in Four Rivers?
    Inventory here is limited, so a single sale can move the averages. Read current pricing as context and lean on the comparable-sales analysis for a specific home.
    What is there to do near Four Rivers?
    Four Rivers puts everyday shopping, dining, and major roads within a short drive; see the commute section for approximate drive times, and confirm your real commute at your real departure time.
    Should I use the listing agent to buy in Four Rivers?
    No. The listing agent works for the seller. Having your own representation is the highest-leverage decision you make on a purchase here.
    How do I sell a home in Four Rivers?
    The right list price comes from recent comparable sales matched to your home's size, condition, and location, not an automated estimate. We build the case with real comps and a pricing strategy for the current market.
    Are there new listings in Four Rivers before they hit the portals?
    We track Four Rivers inventory from the live feed and can flag homes as they come available. Tell us your budget and timeline and we will send matches.
    Buyers who want a single-family home on a deep-water canalExcellent fit
    Buyers who value no fixed bridges and direct ocean access for boatingExcellent fit
    Buyers who want larger lots with privacy in Palm CityExcellent fit
    Buyers who want low dues that fund canal maintenanceExcellent fit
    Buyers who want a gated, amenity-rich HOA communityProbably not
    Buyers who want new construction with a builder warrantyProbably not
    Buyers who want a turnkey home with no water-system due diligenceProbably not
    Buyers who want a high-rise or maintenance-free lifestyleProbably not

    Get the inside read on Four Rivers

    Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Four Rivers 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 Four Rivers 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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    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 local market average and 8 days faster, and we’ll price yours against live your area comps.

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