Highlands Reserve in Palm City

Highlands Reserve
Homes for Sale in Palm City, FL

All 122 homes for sale in Palm City, FL · median $727,450 · Martin County homes for sale

Community in Palm City · Martin County · ZIP 33990
261 homesBuilt 2006–2024Median sale $765K
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Live Market Pulse
40/100
Market Heat
Near its long-run normal
2013 → 2026 · 81 at the 2022 peak
0 is Highlands Reserve's coldest market since 2013, 100 its hottest. Today: 40. How it's scored

Photo via Beaches MLS

Built fromLive Beaches MLS data19 years of closingsFL DOR public recordsUpdated twice daily

As of September 2026, Highlands Reserve in Palm City, FL has 4 homes for sale and 2 pending, asking from $590,000 to $949,888 (median $682,000). Over the 12 months ending 2026-08-10, 13 recorded sales closed at a median of $765,000, $254 per square foot, a median 56 days on market, sellers accepting 93% of original asking (+12% versus the prior year). Homes listed or recently sold were built 2006–2019; 18 of 18 report an HOA (median $430/mo); 2 of the 17 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). At the median price and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $11,830 ($11,220 with the full homestead exemption).

HIGHLANDS RESERVE key facts
LocationPalm City, Martin County, FL · ZIP 33990, 34990
Homes in the community261 (FL DOR 2025 assessment roll)
Years built2006–2024 (median 2011)
Typical living area3,006 sq ft (median)
Home types (current listings and sales)single-family 100%
Amenities listed by sellersPool, Clubhouse, Tennis Court(s), Fitness Center, Picnic Area, Community Room
Sale prices, last 12 months$765,000 median across 13 closed sales · $254 per sq ft · +11.7% vs the prior 12 months
Days on market (closed sales)56 median
For sale right now4 active, 4 pending · median asking $849,500 · 4.8 months of supply
Owner-occupied (homestead) share88%

Data as of August 10, 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, “HIGHLANDS RESERVE key facts,” movewithmomentum.com/neighborhoods/highlands-reserve-palm-city, data as of August 10, 2026.

Last 30 days in Highlands Reserve: 1 new listing (median asking $590,000), 2 under contract right now, 1 closed sale (median $2,695,888). As of September 23, 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.

Live · Highlands Reserve Housing Pulse Beaches MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$765K ▲
Median sold · 12 mo
up 11.7% vs the prior 12 months
+11.7% ▲
1-yr price change
n = 13 and 5 sales in the two windows
$254/sf
Sold $/sqft · 12 mo
peak $271 in 2023
93.1%
Sale vs ask
+149%
T12M median vs 2012
from a $307K median in 2012
Tempo
4.8mo
Supply
3 to 6 months is the balanced band
56days
Median DOM · closed
7 days at the 2025 low
50%
Under contract
Martin: 25% (305 of 1,214)
4 · 4
For sale · pending
live counts, refreshed twice daily
13
Sold · last 12 mo
10-yr average: about 12 a year
Ownership and context
88%
Owner-occupied · Highlands Reserve
230 of 261 parcels homesteaded (FL DOR 2025)
12%
Non-owner-occupied · Highlands Reserve
incl. 7% trust or LLC-held · 0% out-of-state
261
Homes in the community
261 residential parcels (FL DOR 2025)
Track record · 19 years of records
Est. 2006
Community established
homes built 2006-2024, median 2011 (FL DOR 2025)
3,030sqft
Median sold home size
12-mo windows, closed sales
5.0%/yr
Turnover rate
about 13 of 261 homes trade a year

Homes For Sale Right Now in Highlands Reserve

Live MLS inventory for Highlands Reserve. 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 Highlands Reserve listings as of 2026-09-24, 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 Highlands Reserve Palm City Right Now (5)

All 5 active and pending Highlands Reserve Palm City listings with a detail page, newest first, refreshed twice a day from the MLS.

Highlands Reserve Housing Pulse · Momentum Research · as of August 10, 2026

Highlands Reserve right now

🟡 Balanced market. 4.8 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.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 August 10, 2026. Confidence: High (8 active and pending listings, 13 closed sales in 12 months).

🟢 Still climbing. The trailing-12-month median ($765K) is up 11.7% from the prior 12 months ($685K) and up 149% since 2012. With about a dozen 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 August 10. Confidence: Low (13 and 5 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated September 24, 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

Highlands Reserve market snapshot (as of August 10, 2026): the median sale price is about $765K ($254 per sq ft over the trailing 12 months of closed sales), a median 56 days on market for closed sales, and 4.8 months of supply, a balanced market. The trailing-12-month median is up 12% from the prior 12 months and up 149% since 2012, computed from record-level Beaches MLS closed sales (13 closings in the current window).

In ZIP 33990 (Palm City), 270 homes closed in the last 12 months at a median of $359K ($198/sq ft), up 2.8% year over year, with a median 66 days on market. Right now 88 active and 24 pending listings put supply at about 4.8 months — a buyer's market. See the live ZIP 33990 housing market and the Lee County market.

Flood zones in HIGHLANDS RESERVE: of 17 listing addresses checked against the FEMA National Flood Hazard Layer, 88% sit outside the FEMA Special Flood Hazard Area (Zone X); 12% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in Palm City.

Highlands Reserve is a community of 261 homes in Palm City, Martin County, built between 2006 and 2024 (median 2011), with a median living area of about 3,006 square feet. 88% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Windows contain 5 to 25 sales each (13 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.

Median sale price · trailing 12 mo
$400K$600K$800K20122014201620182020202220242026
Up 11.7% year over year; up 149% since 2012.
Every sale since 2007 · price vs size
$0$1M$2M2k4k
304 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$150$200$25020122014201620182020202220242026
Up from $112 in 2012 to a $271 peak in 2023; $254 now.
Median days on market · closed sales
05010015020122014201620182020202220242026
7 days at the 2025 low; 56 now.
Sale price vs original ask · median
92%94%96%98%20122014201620182020202220242026
93.1% now.
Homes sold per 12-mo window
0102020122014201620182020202220242026
5 to 25 a year; 13 in the current window.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
81 at the 2022 peak, 25 in the troughs, 40 now. Same score as the hero card, full history.

Highlands Reserve Market Scorecard

Balanced Market

Highlands Reserve is currently a balanced market. About 3.4 months of supply, a median asking price of $682,000, and homes go under contract in about 58.0 days.

3.4
Months supply
$682,000
Median list
$799,500
Median sold
$261
Per sqft
58.0
Days on mkt
4/2/14
Active/Pend/Sold

Typical home value in the 34990 ZIP is $611,375, 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.

Housing distress & ownership in HIGHLANDS RESERVE, Palm City

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 8 listings
Distress share trend — 0.0% now (2026-08-10 → 2026-09-23)

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.

Listing locations from Beaches MLS. Map data © OpenStreetMap, tiles © CARTO.

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

In short
  • Martin County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Citrus Grove (Martin) · Elementary
  • Hidden Oaks · Middle
  • Martin County · High

Zoned schools reflect the assignments reported on recent Highlands Reserve 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 Highlands Reserve address.

If we were buying in Highlands Reserve today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Highlands Reserve.

A closer look at the Highlands Reserve market

At a median of $254 per square foot, Highlands Reserve prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.

Inventory runs at 4.8 months of supply, a balanced market and the trailing-12-month median up 12% year over year. Homes that do trade take a median 56 days on market, useful leverage on any listing that has lingered.

The housing stock is 261 homes built between 2006 and 2024, and 88% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.

“

The location and the amenities are priced into every listing in Highlands Reserve. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
7.5B · Buy Score
Long-Term Appreciation9.0/10
Recent Direction8.9/10
Liquidity & Demand5.2/10
Owner Commitment8.8/10
Pricing Power5.4/10

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 5 factors (7.5). Basis: Long-Term Appreciation +149% since 2012; Recent Direction +11.7% year-over-year; Liquidity & Demand 4.8 months of supply; Owner Commitment 88% owner-occupied; Pricing Power 93.1% sale-to-list. Refreshed with each data update.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Highlands Reserve homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Highlands Reserve.
In short
  • HOA dues reported around $430/month (about $5,160/yr) · median of 83 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $430 per month ($5,160 a year) — the median AssociationFee across 83 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Highlands Reserve sales matched to your home.

What is your Highlands Reserve home worth?

Get a no-obligation home value based on real comparable sales in Highlands Reserve, 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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Recently off market in HIGHLANDS RESERVE

Homes in HIGHLANDS RESERVE 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. 12 on record.

Frequently Asked Questions

What is the median home price in Highlands Reserve?
The median sale price in Highlands Reserve was $765K over the 12 months ending August 10, 2026 (13 closed sales, Beaches MLS).
How long do homes in Highlands Reserve take to sell?
Homes that closed in the 12 months ending August 10, 2026 took a median 56 days on market (13 sales, Beaches MLS).
Is Highlands Reserve a buyer's or seller's market right now?
As of August 10, 2026, Highlands Reserve is roughly balanced: 4.8 months of supply at the current sales pace (Beaches MLS live counts).
How many homes are in Highlands Reserve?
The Florida DOR 2025 assessment roll shows 261 homes in Highlands Reserve (public records).
What share of Highlands Reserve is owner-occupied?
88% of Highlands Reserve parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Highlands Reserve built?
Homes in Highlands Reserve were built between 2006 and 2024, with a median year built of 2011 (FL DOR 2025 roll).
Have Highlands Reserve home prices gone up?
The trailing-12-month median is up 149% since 2012, from $307K to $765K (Beaches MLS closed records).
Who is the best real estate agent for Highlands Reserve?
The best agent for Highlands Reserve is one who actively works Palm City and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Highlands Reserve.
How do I find a top Palm City real estate agent who knows Highlands Reserve?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Highlands Reserve and the wider Palm City area.
Can Momentum Realty connect me with an agent for Highlands Reserve?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Highlands Reserve purchase or sale - no call center and no pressure.
Where is Highlands Reserve, and what county is it in?
Highlands Reserve is in Palm City, Martin County, FL, ZIP codes 33990, 34990.
Is Highlands Reserve in a flood zone?
Partly. Of 17 homes we sampled in Highlands Reserve, 88% sit outside a FEMA Special Flood Hazard Area (Zone X) and 12% are inside one (Zone A or AE), where a lender requires flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map before you close; the flood section on this page shows the community's mix.
Is Highlands Reserve a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Highlands Reserve: the median sale price over the last 12 months was $765K (13 sales), about the same as the Palm City median of $776K; homes took a median 56 days to go under contract; the assessment roll counts 261 homes, 88% of them homesteaded (owner-occupied); supply is 4.8 months at the current sales pace, which is balanced. The full numbers, price history and the flood and school sections are above.

Data sources & freshness

Live listingsBeaches MLS, refreshed twice daily (last: September 24, 2026)
Community market statsBeaches MLS closed sales, 12-month windows ending August 10, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (5 streets, ZIP 33990/34990))
Under-contract sharesBeaches MLS records, as of 2026-08-10
Historical depthClosed-sale records back to 2007 (304 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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Nearby Communities

Explore more neighborhoods near Highlands Reserve with Momentum Realty’s local guides.

JMJungle Manor0.5 mi away · 18 homes, built 1957–01OBOrchid Bay Captain0.6 mi awayCSCaptain S Creek Aka Orchid Bay0.6 mi away · 1 for saleOBOrchid Bay0.6 mi away · 111 homes, built 1994–18LGLake Grove0.7 mi away · median $801K, 4 sales/12 moPCPalm City Equestrian0.7 mi away · 43 homes, built 1957–22HCHammock Creek Estates0.8 mi away · 123 homes, built 2002–04, 2 for sale

Browse all neighborhood guides →

Thinking of selling in HIGHLANDS RESERVE? 13 recorded closings; median 56 days on market (window ending 2026-08-10). See the Martin County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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