Harbour Island At Palm Cove
Homes for Sale in Palm City, FL
All 123 homes for sale in Palm City, FL · median $729,900 · 13 townhomes for sale in Palm City · 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, Harbour Island At Palm Cove in Palm City, FL has 1 home for sale. As of September 2026, the MLS records 8 closed sales in Harbour Island At Palm Cove in Palm City, FL since 2015, the most recent in August 2026. 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).
Part of the Palm Cove master-planned community in Palm City, FL — see all Palm Cove homes for sale (7 listings across 3 villages and sections in the MLS).
| Location | Palm City, Martin County, FL · ZIP 34990 |
|---|---|
| Homes in the community | 48 (FL DOR 2025 assessment roll) |
| Years built | 1996–2005 (median 2003.0) |
| Typical living area | 2,050 sq ft (median) |
| Amenities listed by sellers | Boating, Clubhouse, Fitness Center, Golf Course, Library, Management |
| For sale right now | 1 active, 0 pending · median asking $768,000 · 12.0 months of supply |
| Owner-occupied (homestead) share | 73% |
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 Island At Palm Cove key facts,” movewithmomentum.com/neighborhoods/harbour-island-at-palm-cove, data as of September 20, 2026.
Last 30 days in Harbour Island At Palm Cove: 1 new listing (median asking $768,000). As of September 24, 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.
Harbour Island At Palm Cove sits in Palm City, in Martin County, and the current MLS snapshot is thin — no median price, no active-inventory count, no reliable days-on-market to lean on. That absence is itself the read: this is a small, low-turnover pocket where listings surface infrequently, so any single sale carries outsized weight in setting the tone.
With no community amenities identified from current listings, price here is likely to be driven by the individual home — condition, layout, waterfront or water access if present, and the specific parcel — rather than by shared facilities. For a buyer, that means underwriting each property on its own merits. For a seller, it means comparable data is scarce, so pricing and positioning need to be built from the ground up rather than copied from the last close.
Harbour Island At Palm Cove 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 (1 active and pending listings, 0 closed sales in 12 months).
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
This is a small Palm City community in Martin County where inventory turns over slowly and the current MLS pull shows no shared amenities, so value tracks the individual home rather than a lifestyle package.
County records show 3 qualified sales in Harbour Island At Palm Cove across 2024–2025 (2 in 2024, 1 in 2025), median $860,000 — 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 Island At Palm Cove is best for.
Best for
- Buyers targeting a particular Palm City location who can be patient for the right home to list
- Buyers comfortable underwriting a home on its own condition and lot rather than on community perks
- Sellers who want disciplined, comp-driven pricing in a low-turnover pocket
Probably not for
- Buyers who need a wide selection of active listings to choose from right now
- Buyers whose priority is resort-style or shared community amenities
- Buyers who want to rely on an automated online value estimate instead of hands-on comps
The market around Harbour Island At Palm Cove
Harbour Island At Palm Cove 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 Island At Palm Cove specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Harbour Island At Palm Cove
Live MLS inventory for Harbour Island At Palm Cove. 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 Harbour Island At Palm Cove 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 Harbour Island At Palm Cove Right Now (1)
All 1 active and pending Harbour Island At Palm Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2384 SW Island Creek Trail · $768,000 · 3 bd / 3.5 ba · listed Aug 22, 2026 · listed by Flagship Property Group Inc
Schools
- Martin County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Bessey Creek · Elementary
- Hidden Oaks · Middle
- Martin County · High
Zoned schools reflect the assignments reported on recent Harbour Island At Palm Cove 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 Harbour Island At Palm Cove address.
The Harbour Island At Palm Cove buying strategy.
If we were buying in Harbour Island At Palm Cove 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 Harbour Island At Palm Cove.
A thin-data market to be read carefully
When the MLS returns little on a community, the temptation is to fill the gap with generalities. We won't. What we can say honestly is that Harbour Island At Palm Cove is a Palm City address in Martin County, and the current listing set does not surface community amenities. Buyers should treat each home as a standalone valuation exercise and lean on a broker to pull the most recent comparable activity nearby.
Low visible turnover cuts both ways. Sellers may find limited direct comparables, which makes disciplined, evidence-based pricing more important than usual. Buyers may wait a while for the right listing, and when one appears, moving with a clear read on condition and location matters more than reacting to a crowd of competing homes.
The location and the amenities are priced into every listing in Harbour Island At Palm Cove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-data, low-turnover community, the value we add is legwork: pulling the freshest comparable sales, walking the home to assess condition honestly, and pricing or negotiating from evidence rather than assumption. That is exactly the kind of market where local, hands-on brokerage beats a dashboard estimate.
Harbour Island At Palm Cove in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $250/month (about $3,000/yr) · median of 10 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $250 per month ($3,000 a year) — the median AssociationFee across 10 MLS records, normalised to a monthly figure; most are billed quarterly. 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 Island At Palm Cove 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 Island At Palm Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbour Island At Palm Cove, 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 Island At Palm Cove home worth?
Get a no-obligation home value based on real comparable sales in Harbour Island At Palm Cove, 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 →
26% 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 (2026-09-25).
Frequently Asked Questions
Is Harbour Island At Palm Cove a buyer's or seller's market right now?
How many homes are in Harbour Island At Palm Cove?
What share of Harbour Island At Palm Cove is owner-occupied?
When were the homes in Harbour Island At Palm Cove built?
Who is the best real estate agent for Harbour Island At Palm Cove?
How do I find a top Palm City real estate agent who knows Harbour Island At Palm Cove?
Can Momentum Realty connect me with an agent for Harbour Island At Palm Cove?
Where is Harbour Island At Palm Cove, and what county is it in?
Should you buy in Harbour Island At Palm Cove?
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 (1 streets, ZIP 34990)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2015 (8 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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See how Harbour Island At Palm Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
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