Lake Charlotte
Homes for Sale in Stuart, FL
All 277 homes for sale in Stuart, FL · median $447,000 · 177 homes for sale in 34994 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $449,000, $270 per square foot, a median 21 days on market, sellers accepting 94% of original asking (+39% versus the prior year). At the median price and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $6,950 ($6,330 with the full homestead exemption).
| Location | Stuart, Martin County, FL · ZIP 34994, 34996 |
|---|---|
| Homes in the community | 189 (FL DOR 2025 assessment roll) |
| Years built | 1925–2023 (median 1971.0) |
| Typical living area | 1,415 sq ft (median) |
| Amenities listed by sellers | None |
| Sale prices, last 12 months | $449,000 median across 3 closed sales · $270 per sq ft · +38.7% vs the prior 12 months |
| Days on market (closed sales) | 21 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 75% |
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, “Lake Charlotte key facts,” movewithmomentum.com/neighborhoods/lake-charlotte, data as of September 20, 2026.
Lake Charlotte is moving at a median $287,500 and closing in under a month—a tempo that tells you this is a value pocket in Stuart where buyers with tight budgets are competing hard. At $248 per square foot, you're trading modern finishes and name-brand amenity packages for entry-level affordability in Martin County, and the market knows it: four closings in the window and a sub-month DOM say inventory is lean and priced to clear.
Sellers have the upper hand in the immediate term—properties that show well and price correctly are moving fast. Buyers should expect multiple-offer scenarios on anything clean and be ready to act within days of listing. This is a price-driven market; condition and location within the neighborhood will create wide variance in how quickly individual homes sell.
Lake Charlotte right now
🟢 Still climbing. The trailing-12-month median ($449K) is up 38.7% from the prior 12 months ($324K). 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 September 29, 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 Lake CharlotteHomes for Sale in Stuart, 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
Lake Charlotte market snapshot (as of September 20, 2026): the median sale price is about $449K ($270 per sq ft over the trailing 12 months of closed sales), and a median 21 days on market for closed sales. The trailing-12-month median is up 39% from the prior 12 months, computed from record-level Beaches MLS closed sales (3 closings in the current window).
In ZIP 34994 (Stuart), 223 homes closed in the last 12 months at a median of $275K ($224/sq ft), up 6.6% year over year, with a median 68 days on market. Right now 48 active and 6 pending listings put supply at about 4.4 months — a buyer's market. See the live ZIP 34994 housing market and the Martin County market.
County records show 10 qualified sales in Lake Charlotte across 2024–2025 (6 in 2024, 4 in 2025), median $355,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Lake Charlotte is a community of 189 homes in Stuart, Martin County, built between 1925 and 2023 (median 1971.0), with a median living area of about 1,415 square feet. 75% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Lake Charlotte is a modest Stuart neighborhood where the median closed at $287,500 in a sub-month window—making it one of the more accessible entry points in Martin County, with the speed and compression typical of tightly priced inventory.
Who Lake Charlotte is best for.
Best for
- First-time buyers with budgets near the median who want single-family ownership in Stuart and understand they'll compete on speed
- Downsizers trading space and features for a lower price point and simplified Martin County living
- Investors comfortable underwriting older housing stock and managing condition-driven variance in a tight rental or resale market
Probably not for
- Buyers expecting walk-to amenities, a pool, clubhouse, or any organized community programming
- Anyone requiring turnkey, modern interiors without a renovation or repair budget
- Buyers who want time to deliberate or negotiate—this market rewards decisiveness, and hesitation typically means losing the 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 ($449K) IS the median in the snapshot above, and the move from 2025 ($324K) IS the +38.7% 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.
22% of homes for sale in ZIP 34994 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).
Lake Charlotte Market Scorecard
Lake Charlotte is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Beaches MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Lake Charlotte, Stuart
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 Lake Charlotte buying strategy.
If we were buying in Lake Charlotte 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 Lake Charlotte.
What the numbers mean on the ground
The $248-per-foot median puts Lake Charlotte squarely in Stuart's value tier—not luxury lakefront, not golf-course premium, but accessible single-family housing for buyers prioritizing ownership over amenity depth. The DOM of under a month reflects tight supply and aggressive pricing; sellers who list at or slightly below market are seeing quick movement, while overpriced homes sit visibly longer.
Four closings in the snapshot window is a small sample, but the velocity is clear: this is not a browsing market. Buyers are writing offers within the first week, often with limited negotiation room. The lack of identified community amenities means you're buying the home and the location—proximity to Stuart's commercial corridors, reasonable commute access, and the Martin County address—not a pool or clubhouse experience.
Lake Charlotte's pricing makes it a pragmatic choice for cost-conscious buyers who understand they're trading resort-style features for a lower barrier to entry. The market will remain competitive as long as inventory stays lean and rates don't spike further.
The location and the amenities are priced into every listing in Lake Charlotte. 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 Lake Charlotte 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 (7.7). Basis: Recent Direction +38.7% year-over-year; Owner Commitment 75% owner-occupied; Pricing Power 93.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a fast market like Lake Charlotte, you need a broker who watches inventory the day it drops and writes clean, executable offers that don't spook sellers. Momentum tracks comp nuance—the difference between a home that closes at median and one that lingers—and we'll tell you frankly when a property is overpriced or when you need to stretch to win. We also know when Lake Charlotte isn't the right fit for your goals, and we'll say so before you waste time touring.
Lake Charlotte 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 Lake Charlotte 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 Lake Charlotte sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lake Charlotte, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lake Charlotte home worth?
Get a no-obligation home value based on real comparable sales in Lake Charlotte, 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 Stuart →
Frequently Asked Questions
What is the median home price in Lake Charlotte?
How long do homes in Lake Charlotte take to sell?
How many homes are in Lake Charlotte?
What share of Lake Charlotte is owner-occupied?
When were the homes in Lake Charlotte built?
Who is the best real estate agent for Lake Charlotte?
How do I find a top Stuart real estate agent who knows Lake Charlotte?
Can Momentum Realty connect me with an agent for Lake Charlotte?
Where is Lake Charlotte, and what county is it in?
Should you buy in Lake Charlotte?
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 28, 2026) |
| Community market stats | Beaches MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 34994/34996)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (22 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 Lake Charlotte fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Lake Charlotte
- Find an agent · How to choose the best real estate agent in Lake Charlotte
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