Martin Downs
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 1 closed sale in Martin Downs Plat No 47A (Aka Monarch Country Club in Palm City, FL, 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).

Monarch Country Club sits inside the larger Martin Downs area of Palm City, and what you're buying here is the setting and the individual home more than any headline number. With no community amenities surfacing from current MLS listings, price in this pocket is driven by the home itself — condition, updates, lot position, and how a given property relates to the golf course and surrounding grounds. That means the spread between a dated original and a fully renovated house can be wide, and comparing two listings requires looking closely at what's actually been done to each.
For a buyer, the posture is to underwrite the specific house rather than assume a uniform community premium. For a seller, the same logic cuts your way if you've invested in the home: condition-driven markets reward properties that show well and read as move-in ready, and they punish deferred maintenance. Pricing off a neighbor's number without accounting for the difference in finish level is the most common mistake we see here.
Nearby homes for sale
No active listings inside Martin Downs Plat No 47A (Aka Monarch Country Club 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
Monarch Country Club is a golf-oriented section of the Martin Downs corridor in Palm City, in Martin County — a Treasure Coast location with the everyday convenience of Palm City and reach toward the wider beaches region.
BeachesMLS sales records identify 54 homes in Martin Downs that have changed hands since 2002, built between 1984 and 2003 (median 1994), with a median living area of about 1,837 sq ft and a typical 3-bedroom, 2-bath layout; 81% 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.
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 Martin Downs is best for.
Best for
- Buyers drawn to a golf-course setting who will underwrite each home on its own condition
- Value-minded buyers willing to renovate or trade finish level for a better basis
- Owners seeking a quieter Martin County location with everyday Palm City convenience
Probably not for
- Buyers who require a bundled community amenity package to justify the purchase
- Buyers who want to price off a neighbor's number without accounting for condition differences
- Buyers unwilling to verify club membership, dues, and HOA terms before offering
The market around Martin Downs
Martin Downs 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 Martin Downs specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Martin Downs Plat No 47A (Aka Monarch Country Club, 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 Martin Downs buying strategy.
If we were buying in Martin Downs 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 Martin Downs.
A condition-driven golf-course pocket
Because current MLS listings don't identify a distinct set of community amenities for this plat, the value story leans on the home and the location rather than a resort-style package. That is not a knock — it means each transaction stands on its own merits, and disciplined buyers can find real value where a seller has genuinely improved a property. It also means you should confirm exactly what any homeowners or club structure includes before you write an offer, since that detail isn't something we're stating from the snapshot.
Palm City's position in Martin County puts you in a quieter part of the Treasure Coast with straightforward access to daily needs and a reasonable path toward the coast. Do your own diligence on any club membership requirements, dues, and access tied to the golf course — those terms belong in the contract, not in assumptions, and they can materially change the ownership math.
The location and the amenities are priced into every listing in Martin Downs. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market where price hinges on the individual home, our job is to separate the renovated from the merely staged and to pin down the club and HOA terms before you commit. We'll walk the condition honestly, tell you when a listing is priced off the wrong comp, and tell you plainly when this pocket isn't the right fit for what you're after.
Martin Downs in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $581/month (about $6,972/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 $581 per month ($6,972 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 Martin Downs 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 Martin Downs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Martin Downs, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Martin Downs home worth?
Get a no-obligation home value based on real comparable sales in Martin Downs, 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 →
Should you buy in Martin Downs?
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) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2025 (1 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 Martin Downs Plat No 47A (Aka Monarch Country Club fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Martin Downs
Where is Martin Downs?
Martin Downs is a community in Palm City, Martin County, Florida, ZIP 34990.
Are there homes for sale in Martin Downs right now?
No active listings inside Martin Downs at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Martin Downs have an HOA or CDD?
No HOA is on record for Martin Downs in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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