Harbour Bluff
Homes for Sale in Palm City, FL
All 123 homes for sale in Palm City, FL · median $729,900 · 307 homes for sale in 34990 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
As of September 2026, the MLS records 9 closed sales in Harbour Bluff in Palm City, FL since 2003, the most recent in December 2025. Across Palm City as a whole, 136 homes closed in the last 12 months at a median of $776,500, 64 median days on market, with 51 homes for sale today. At that median and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $12,010 ($11,400 with the full homestead exemption).
| Location | Palm City, Martin County, FL · ZIP 34990 |
|---|---|
| Homes in the community | 115 (FL DOR 2025 assessment roll) |
| Years built | 1971–2024 (median 2003) |
| Typical living area | 3,390 sq ft (median) |
| Amenities listed by sellers | Baseball/Softball Field, Boating, Gated with Guard, Jogging Path, Park, Pickleball Court(s) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 79% |
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, “Harbour Bluff key facts,” movewithmomentum.com/neighborhoods/harbour-bluff, data as of September 20, 2026.
Harbour Bluff is a small enclave in Palm City, and the current MLS snapshot is thin — a single closing in the most recent window with no median price we can responsibly publish. That means price here is set by the individual property, not by a deep run of comparable sales. Condition, lot, and how a home sits relative to the water or the surrounding Martin County setting will drive number more than any neighborhood trend line.
For a buyer, that low volume cuts both ways: less competition on any given listing, but also fewer recent comps to anchor an offer. For a seller, it means pricing is a case-by-case exercise, and a well-prepared home can define the market rather than follow it. Patience and accurate comparables from the broader Palm City area matter more here than in a high-turnover subdivision.
Nearby homes for sale
No active listings inside Harbour BluffHomes for Sale in Palm City, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Harbour Bluff is a low-inventory pocket of Palm City in Martin County, where sales are infrequent enough that each transaction tends to stand on its own rather than track a busy market.
BeachesMLS sales records identify 8 homes in Harbour Bluff that have changed hands since 2003, built between 1996 and 2006 (median 2003), with a median living area of about 3,578 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 6 qualified sales in Harbour Bluff across 2024–2025 (4 in 2024, 2 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.
Who Harbour Bluff is best for.
Best for
- Buyers focused on the individual home rather than a neighborhood amenity package
- Purchasers with a flexible timeline who can wait for the right listing in a low-turnover area
- Owners who value privacy and a small Palm City footprint over a busy resale market
Probably not for
- Buyers who want a clubhouse, pool, or other community amenities
- Anyone who needs a deep run of recent sales to feel confident on price
- Investors counting on frequent transaction volume for a quick, predictable exit
The market around Harbour Bluff
Harbour Bluff 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 Harbour Bluff specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Harbour Bluff, 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.
The Harbour Bluff buying strategy.
If we were buying in Harbour Bluff 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 Harbour Bluff.
A thin-market enclave
The defining feature of Harbour Bluff right now is scarcity of data. With only one closing in the current window and no community amenities identified from active MLS listings, there is no shared clubhouse, pool, or common-area story to lean on — value comes from the house itself and its Palm City location.
That makes the individual property the whole conversation. Two homes here can price very differently based on renovation level, lot position, and finish, and there is no dense sales history to smooth those differences out. Both sides need to work from carefully chosen comparables in the surrounding area rather than assume a neighborhood benchmark exists.
The location and the amenities are priced into every listing in Harbour Bluff. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume pocket like Harbour Bluff, the wrong comps produce the wrong price. We pull comparables from across Palm City and Martin County, weigh condition and location honestly, and tell you plainly when a listing is over- or under-priced for what it is — instead of pretending a thin sales record is a trend.
Harbour Bluff in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $175/month (about $2,100/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 $175 per month ($2,100 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 Harbour Bluff 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 Harbour Bluff sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbour Bluff, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbour Bluff home worth?
Get a no-obligation home value based on real comparable sales in Harbour Bluff, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
How many homes are in Harbour Bluff?
What share of Harbour Bluff is owner-occupied?
When were the homes in Harbour Bluff built?
Who is the best real estate agent for Harbour Bluff?
How do I find a top Palm City real estate agent who knows Harbour Bluff?
Can Momentum Realty connect me with an agent for Harbour Bluff?
Where is Harbour Bluff, and what county is it in?
Should you buy in Harbour Bluff?
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) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 34990)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2003 (9 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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