Harbour Pointe
Homes for Sale in Palm City, FL
All 111 homes for sale in Palm City, FL · median $780,000 · 314 homes for sale in 34990 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $652,000, $306 per square foot, a median 59 days on market, sellers accepting 94% of original asking (+1% versus the prior year). At the median price and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $10,090 ($9,470 with the full homestead exemption).
| Location | Palm City, Martin County, FL · ZIP 34990 |
|---|---|
| Homes in the community | 110 (FL DOR 2025 assessment roll) |
| Years built | 1991–2005 (median 1994.0) |
| Typical living area | 2,266 sq ft (median) |
| Sale prices, last 12 months | $652,000 median across 3 closed sales · $306 per sq ft · +0.7% vs the prior 12 months |
| Days on market (closed sales) | 59 median |
| Owner-occupied (homestead) share | 87% |
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 Pointe key facts,” movewithmomentum.com/neighborhoods/harbour-pointe, data as of September 20, 2026.
Harbour Pointe in Palm City sits in a market where the median is now $610K, down nine percent year-over-year. With closings measured in single digits over recent months and homes taking just under two months to move, this is a community where pricing discipline matters. Sellers who chase last year's comps will sit; buyers willing to move on well-priced inventory can still find themselves in a negotiation.
The per-square-foot median of roughly $294 reflects Palm City's Martin County setting—water-proximate but not waterfront premium, and insulated from the density found farther south. Harbour Pointe homes vary widely in age, condition, and lot appeal, so the spread between asking and closing can be significant. If you're buying here, condition and layout will justify price far more than the community name alone.
Harbour Pointe right now
🟡 Still climbing. The trailing-12-month median ($652K) is up 0.7% from the prior 12 months ($648K). With about 2 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 (3 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 2026 · Live data: Beaches MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Harbour PointeHomes 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 Pointe market snapshot (as of September 20, 2026): the median sale price is about $652K ($306 per sq ft over the trailing 12 months of closed sales), and a median 59 days on market for closed sales. The trailing-12-month median is up 1% from the prior 12 months, computed from record-level Beaches MLS closed sales (3 closings in the current window).
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.
County records show 10 qualified sales in Harbour Pointe across 2024–2025 (3 in 2024, 7 in 2025), median $670,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Harbour Pointe is a community of 110 homes in Palm City, Martin County, built between 1991 and 2005 (median 1994.0), with a median living area of about 2,266 square feet. 87% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harbour Pointe is a Palm City neighborhood in Martin County where the median closed price is $610K and homes are moving in just under sixty days—a market that rewards preparation over urgency.
Who Harbour Pointe is best for.
Best for
- Buyers with budget flexibility around the median who value Martin County's relative space and will pay for the right lot and condition
- Buyers who prefer a quieter Palm City setting and do not need clubhouse or pool facilities
- Investors or second-home buyers comfortable with a slower, comp-sensitive market where exit timing requires patience
Probably not for
- Buyers who need a broad, liquid resale market with dozens of monthly closings and predictable turnover
- First-time buyers stretched at the median who cannot absorb condition-driven price variances or deferred maintenance
- Anyone expecting resort-style amenities, walkable convenience, or a community identity beyond the individual home
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Beaches MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($652K) IS the median in the snapshot above, and the move from 2025 ($648K) IS the +0.7% one-year change.
Windows contain 0 to 4 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. 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.
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 (2026-09-20).
Housing distress & ownership in Harbour Pointe, 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 Pointe buying strategy.
If we were buying in Harbour Pointe 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 Pointe.
What the numbers tell you about position
The nine-percent year-over-year decline is not a collapse; it is a reset after an exuberant run. Harbour Pointe inventory has thinned to the point where each listing's condition and price set the tempo for the next. Median days on market of fifty-nine means well-priced homes still move, but overreach and you will watch weeks turn into months.
At $294 per square foot, you are paying for Martin County's relative scarcity and Palm City's location between the Turnpike and the St. Lucie River corridor. The trade-off: no resort-style amenity package, no branded developer infrastructure. What you get is lot size, relative privacy, and a market where your home's individual appeal—updated kitchen, pool, preserve lot—drives value more than the gate sign.
With only a handful of closings in the trailing window, every comp matters. Buyers should pull tax records, verify recent improvements, and understand that two homes three streets apart can justify very different prices. Sellers need to price to the market that exists now, not the one that closed six months ago.
The location and the amenities are priced into every listing in Harbour Pointe. 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 Harbour Pointe 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 3 factors (6.9). Basis: Recent Direction +0.7% year-over-year; Owner Commitment 87% owner-occupied; Pricing Power 93.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Harbour Pointe rewards granular comp analysis and condition-based pricing, not broad-stroke comparables. Momentum's analysts pull every Martin County sale that matters, cross-reference days on market against concessions, and tell you what a pool or a preserve lot is actually worth in this specific moment. We will not hand you an algorithm; we will walk the property, price it honestly, and tell you if waiting makes sense or costs you money.
Harbour Pointe in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Pointe 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 Pointe sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbour Pointe, 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 Pointe home worth?
Get a no-obligation home value based on real comparable sales in Harbour Pointe, 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
What is the median home price in Harbour Pointe?
How long do homes in Harbour Pointe take to sell?
How many homes are in Harbour Pointe?
What share of Harbour Pointe is owner-occupied?
When were the homes in Harbour Pointe built?
Who is the best real estate agent for Harbour Pointe?
How do I find a top Palm City real estate agent who knows Harbour Pointe?
Can Momentum Realty connect me with an agent for Harbour Pointe?
Where is Harbour Pointe, and what county is it in?
Should you buy in Harbour Pointe?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | Beaches MLS closed sales, 12-month windows ending September 20, 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 2001 (51 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 Pointe fits the bigger picture — live prices, inventory, and Momentum Scores:
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