Osprey Creek
at Martin Downs

Established 1988 · Palm City · Martin County

A small golf-course enclave of single-family homes in Palm City's guard-gated Martin Downs Country Club, with a maintenance-inclusive HOA and a central Martin County location.

Guard-gated Martin DownsOn the golf courseMaintenance-inclusive HOA

Live Market Pulse

52/100
Momentum

Buyer-Leaning Market (limited data)

Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.

Free · No obligation

Unlock Off-Market Osprey Creek

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive BeachesMLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseBeachesMLS

$360K

Median Price

4mo

Supply

6days

Avg DOM

Soft

Seller Leverage

$210/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"Osprey Creek is a small enclave of roughly 45 single-family homes set along a Martin Downs Country Club golf course in Palm City, originally built in 1984 and 1985. The buy here is about the maintenance-inclusive HOA, the golf-course position, and the home's condition, not new construction or a wide range of estate sizes. Reporting puts the HOA around 372 dollars per month as of mid-2024, said to include security, lawn and landscaping, exterior pest control, trash, and basic cable, which makes confirming the current dues and what they cover the central read. Homes are compact two and three-bedroom concrete plans with a single-car garage, reported roughly in the 1,540 to 1,720 square-foot range, so condition, the golf-course view, and the recorded plan drive value. Confirm the dues, the reserve and any pending assessment, the guard-gate status, and the specifics for a given home, because the central Palm City location, the golf-course setting, and the bundled maintenance are the durable draws."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Osprey Creek at Martin Downs market snapshot (as of June 15, 2026): the median sale price is about $360K ($210 per sq ft), with homes averaging 6 days on market and 4.0 months of supply, a buyer-leaning market (limited data). Based on 3 recent closings in live BeachesMLS data.

Osprey Creek is a small enclave of roughly 45 single-family homes within the guard-gated Martin Downs Country Club in Palm City, Martin County (ZIP 34990), set along one of the Martin Downs golf courses.

Homes are two and three-bedroom single-family plans of concrete construction with a single-car garage, reported roughly from about 1,540 to about 1,720 square feet, built in 1984 and 1985 on lots from just under 5,000 square feet to over 7,000 square feet; confirm the recorded plan and square footage for a specific home.

The community is governed by a homeowners association. Reported dues were around 372 dollars per month as of mid-2024, said to include security, lawn and landscaping, exterior pest control, trash pickup, and basic cable; confirm the current dues and exactly what they cover for a specific home.

Osprey Creek sits inside Martin Downs, a guard-gated community that offers optional golf, tennis, and social memberships with two pools, a workout room, a sports bar, and a main dining room. Value turns on the home's condition and golf-course position; confirm the specifics and the membership structure for a given home.

Quick Match

Who Osprey Creek is best for.

Best for

Buyers who want a guard-gated, maintenance-inclusive single-family home in Palm City
Buyers who value a golf-course setting inside Martin Downs Country Club
Buyers who want a central Martin County location near the Turnpike
Buyers comfortable confirming the dues and reading the home's condition

Probably not for

Buyers who want a large estate home or new construction
Buyers who want a low or no-HOA structure
Buyers who want a two-car garage or a waterfront lot
Buyers unwilling to confirm the HOA dues, reserves, and any assessment

Market Pulse

How Osprey Creek is performing right now

52/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

4Months of supplytight

6Median days on marketdays

0 : 1Under contract vs for salestrong demand

3Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+20%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from BeachesMLS, as of June 15, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Osprey Creek listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare or Palm City. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now1 : 0active : pending

For sale1

Pending0

Sold 12mo3

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Osprey Creek at Martin Downs buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Osprey Creek

Live MLS inventory for Osprey Creek at Martin Downs. 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.

4004 Sw Osprey Creek Way home for sale in Osprey Creek at Martin Downs

Active · 6 daysTop listing

$390,000

3 bd · 2 ba · 1,542 sqft · built 1984

4004 Sw Osprey Creek Way, Palm City, 34990

Reno opportunityBest value

Listed by RE/MAX of Stuart

Active and pending Osprey Creek listings as of 2026-06-15, 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.

Interactive Map

Osprey Creek on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from BeachesMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Osprey Creek. They are approximate and vary with traffic and your exact start point.

Florida's Turnpike (Martin Downs Blvd)~5 to 10 min · approximate, varies with traffic

Downtown Stuart~12 to 18 min · east

Atlantic Ocean and Stuart beaches~15 to 20 min · east

Cleveland Clinic Martin North Hospital (Stuart)~12 to 18 min · Stuart

Treasure Coast Square mall (Jensen Beach)~15 to 20 min · north

I-95 (Kanner Hwy or Martin Downs)~10 to 15 min · interstate access

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Osprey Creekat Martin Downs with Momentum Realty’s local guides.

Sunset Traceat Martin DownsPalm City, FL · adjacent

Whispering SoundPalm City, FL · 0.3 mi DADanforthPalm City, FL · 0.3 mi

The Meadowsat Martin DownsPalm City, FL · 0.5 mi

HeronwoodPalm City, FL · 0.5 mi

IslesworthPalm City, FL · 0.7 mi

Pelican CovePalm City, FL · 1.1 mi

Seagate HarborPalm City, FL · 1.2 mi

Rustic HillsPalm City, FL · 1.2 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Osprey Creek (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Martin County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Osprey Creek is served by Martin County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Osprey Creek address.

The takeaway

What is actually shaping value at Osprey Creek, sourced and dated. We do not publish rumor.

Recent Developments in Osprey Creek at Martin Downs

Development Intelligence

Our read on what is being built around Osprey Creek, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe structural story is steady demand for guard-gated, maintenance-inclusive single-family homes on a golf course in central Palm City, where the bundled HOA and the home's condition drive value. The watch items are the current dues, the reserve funding, and any insurance-driven assessment, along with the optional club membership structure.

Guard-gated, golf-course single-family enclave

BullishA small enclave of golf-course single-family homes inside guard-gated Martin Downs, with an HOA that reportedly bundles security, lawn, pest, trash, and cable, supports steady demand from buyers who want a low-maintenance home. impact

SignificanceRadius: Community

Guard-gated, golf-course single-family enclave

Central Palm City, Martin County location

BullishProximity to the Turnpike, Stuart, and the Atlantic beaches in a Martin County school district supports the community's convenience. impact

SignificanceRadius: Area

Central Palm City, Martin County location

Dues, reserves, and membership to confirm

NeutralBecause the HOA bundles maintenance and the club membership is optional and separate, the dues, reserve funding, any assessment, and the membership structure are the items to confirm for a specific home. impact

SignificanceRadius: Community

Dues, reserves, and membership to confirm

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Osprey Creek at Martin Downs, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

May 2024
Fees
Reported HOA dues and inclusions for Osprey Creek
A community real-estate guide reported Osprey Creek HOA fees around 372 dollars per month as of May 2024, said to include security, landscaping and lawn maintenance, exterior pest control, trash pickup, and basic cable, for the roughly 45 single-family homes built in 1984 and 1985. Why it matters: Because the HOA bundles maintenance, confirm the current dues, the reserve study, and any pending assessment for a specific home before relying on the figure. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Osprey Creek buying strategy.

If we were buying in Osprey Creek, this is the order of operations we would run, and the one we run for our clients.

Confirm the current dues and inclusions. Verify the monthly HOA, whether it still covers security, lawn, pest, trash, and cable, and the reserve funding.

Read the home's condition. On 1984 to 1985 concrete homes, confirm the roof, systems, and any updates, and budget accordingly.

Check the plan and the golf-course position. Confirm the recorded plan, square footage, the single-car garage, and where the home sits along the course.

Price the optional club membership. Golf, tennis, and social memberships at Martin Downs are separate from the HOA, so confirm the tiers and current dues you would actually use.

Verify the school zoning by address. Confirm the exact assignment with the Martin County School District for a specific home.

The Quick Decision

Best Buy

An updated, well-kept home on a good golf-course position, with the current dues and reserves confirmed.

Biggest Risk

Underbudgeting renovation on a 1980s home, or misjudging the dues, reserves, or an assessment.

Best Lot

Better golf-course positions and updated homes hold value over dated, interior ones.

Smart Timing

Demand is steady for the gated, maintenance-inclusive structure; condition and the dues matter more than timing.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Osprey Creek is a small enclave of roughly 45 single-family homes set along a Martin Downs Country Club golf course in Palm City, Martin County, built in 1984 and 1985 of concrete construction with single-car garages on lots from just under 5,000 square feet to over 7,000 square feet. The legal plat name carries the Martin Downs lineage, but the community is marketed as Osprey Creek. The homeowners association reportedly bundles security, lawn and landscaping, exterior pest control, trash pickup, and basic cable, with reported dues around 372 dollars per month as of mid-2024, while the Martin Downs golf, tennis, and social memberships are separate and optional. This guide reflects the community's general character; value turns on the home's condition and golf-course position, so confirm the current dues and inclusions, the reserve funding, any assessment, the recorded plan, flood considerations, and the school assignment by address for a specific home before relying on them.

Osprey Creek Homes For Sale

What your money buys in Osprey Creek.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Osprey Creek today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: original two-bedroom homes

$340K to $360K

Older or smaller two-bedroom plans needing updates, the more attainable way in. The cost to modernize a 1980s home drives value.

Lowest entry

Core: updated homes

$360K to $370K

Renovated two and three-bedroom homes with newer kitchens, baths, and systems, the heart of the enclave. Condition sets where these land.

Most inventory

High: updated golf-course homes

$370K to $370K

Fully updated three-bedroom homes on the better golf-course positions, the top of the local range. Move-in condition and the view drive the premium.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$360K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$340K to $360K

Entry: original two-bedroom homes

Older or smaller two-bedroom plans needing updates, the more attainable way in. The cost to modernize a 1980s home drives value.

$360K to $370K

Core: updated homes

Renovated two and three-bedroom homes with newer kitchens, baths, and systems, the heart of the enclave. Condition sets where these land.

$370K to $370K

High: updated golf-course homes

Fully updated three-bedroom homes on the better golf-course positions, the top of the local range. Move-in condition and the view drive the premium.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Osprey Creek, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Osprey Creek is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Osprey Creek holds value.

Our read on the factors that protect resale here, and the one to manage.

No CDD on the tax billStrong

Central Palm City locationStrong

Scarce golf and lake homesitesStrong

$30M club reinvestment to 2028Positive

All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Osprey Creek

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The guard gate, the golf course, and the bundled maintenance are the draw. The deal is won or lost on the condition, the position, and confirming the dues and reserves.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.3B · Buy Score

Resale Strength7.3/10

Renovation Risk5.8/10

Location Efficiency8.2/10

Long-Term Defensibility7.4/10

Carrying Cost Advantage7.1/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Osprey Creek is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live BeachesMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live BeachesMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from BeachesMLS; for orientation, not an appraisal.

15-Second Take

Better golf-course positions and updated homes hold value best
Condition is the biggest swing on a 1980s home
Confirm the dues, reserves, and inclusions
The gated, golf-course, maintenance-inclusive structure is the draw
Comp within the community and confirm specifics

At Osprey Creek the value drivers are the home's condition, the recorded plan, and the golf-course position within a guard-gated enclave. Updated homes hold value over dated ones, and homes on better course positions tend to show better. Because the HOA bundles the maintenance and the club membership is optional and separate, confirm the current dues, the reserve funding, and any assessment for the specific home, and compare against the closest comparable in the community rather than a town-wide average.

The 15-Second Verdict

Osprey Creek in 15 seconds.

Best forBuyers who want a guard-gated, maintenance-inclusive single-family home on a golf course in central Palm City.

Strong onA bundled HOA that reportedly covers security, lawn, pest, trash, and cable, plus a central Martin County location and a golf-course setting.

WatchThe current dues, reserves, and any assessment, plus the optional club membership structure and the age of a 1980s home's systems.

Not forBuyers who want a large estate home, a two-car garage, a low-HOA structure, new construction, or waterfront.

The edgeA guard-gated, low-maintenance golf-course home is a durable value when the condition and the dues check out.

HOA, CDD & Fees

15-Second Take

Guard-gated golf-course single-family enclave
HOA reportedly bundles security, lawn, pest, trash, cable
Confirm the current dues and reserves
Club membership is separate and optional
Condition and golf-course position drive value

Reported around 372 dollars per month as of mid-2024 for the roughly 45 single-family homes; confirm the current dues and what they cover for a specific home, and budget for the upkeep of a 1980s home.

Reported to include security, lawn and landscaping, exterior pest control, trash pickup, and basic cable; confirm the exact inclusions, the reserve funding, and any assessment for a specific home. The Martin Downs golf, tennis, and social memberships are separate and optional.

Osprey Creek sits inside guard-gated Martin Downs Country Club, which offers optional golf, tennis, and social memberships with two pools, a workout room, a sports bar, and a main dining room; confirm the current membership tiers, dues, and any usage rules.

Run Your Numbers

Tools for a Osprey Creek buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxMartin County millage and the homestead picture.Rent vs buyThe breakeven on owning in Osprey Creek.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Osprey Creek

Price it to the condition, the plan, and the golf-course position, not a town average.

If you are selling in Osprey Creek, the right list price comes from recent comparable sales matched to your home's plan, condition, and golf-course position, because in a small gated enclave those drive value more than the address.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Osprey Creek, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Osprey Creek, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Osprey Creek home worth?

Get a no-obligation home value based on real comparable sales in Osprey Creek matched to your condition, lot, and view, 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 homes for sale in Osprey Creek at Martin Downs on the map →
Or get your Osprey Creek at Martin Downs home value & selling guide →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Osprey Creek at Martin Downs year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Osprey Creek Market Scorecard

Buyer-Leaning Market (limited data)

Osprey Creek is currently a buyer-leaning market (limited data). About 4.0 months of supply, a median asking price of $390,000, and homes go under contract in about 6 days.

4.0

Months supply

$390,000

Median list

$360,000

Median sold

$210

Per sqft

Days on mkt

1/0/3

Active/Pend/Sold

Typical home value in the 34990 ZIP is $606,148, 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.

Frequently Asked Questions

Is Osprey Creek a gated community?

Osprey Creek sits inside guard-gated Martin Downs Country Club, which is reported to have controlled, guarded access. Confirm the current access and any guard hours for a specific purchase.

What kinds of homes are at Osprey Creek?

Two and three-bedroom single-family homes of concrete construction with a single-car garage, built in 1984 and 1985; confirm the recorded plan and square footage for a specific property.

What does the HOA cover at Osprey Creek?

A community guide reports it includes security, lawn and landscaping, exterior pest control, trash pickup, and basic cable. Confirm the current dues and exact inclusions for a specific home.

How much are the HOA dues?

Reported around 372 dollars per month as of mid-2024 for the single-family homes. Dues change, so confirm the current amount and the reserve funding before buying.

How big are the homes?

Reported plans run roughly from about 1,540 to about 1,720 square feet across two and three-bedroom homes, each with a single-car garage. Confirm the recorded square footage for a specific home.

When were the homes built?

Osprey Creek homes were built in 1984 and 1985 of concrete construction, so confirm the age of the roof, systems, and any updates on a specific home.

Is there a golf course at Osprey Creek?

Yes. Osprey Creek homes are located along a Martin Downs Country Club golf course. Golf membership is optional and separate from owning a home; confirm the current membership terms with the club.

What amenities does Martin Downs have?

Martin Downs is reported to offer optional golf, tennis, and social memberships with two pools, a workout room, a sports bar, and a main dining room. Confirm the current amenities and membership tiers for a specific purchase.

What schools serve Osprey Creek?

The community is part of the Martin County School District. Assignment is by address and changes periodically, so confirm the exact zoned schools for a specific home with the district.

Is there a CDD fee?

Confirm whether any CDD, special assessment, or other charge applies to a specific parcel as a matter of course, in addition to the HOA dues.

Should I worry about home condition?

Read it closely. On 1984 to 1985 concrete homes, confirm the roof, systems, and updates, and budget accordingly.

Are pets and rentals allowed?

A community guide reports Osprey Creek is pet-friendly, allowing up to two large pets per home, and that rentals are permitted with some restrictions. Confirm the current pet and rental rules with the association before relying on them.

How central is the location?

It is central in Palm City, minutes to Florida's Turnpike, with Stuart, the Atlantic beaches, and I-95 a short drive.

Is Osprey Creek a good investment?

A guard-gated, maintenance-inclusive single-family enclave on a golf course in a central Martin County location supports steady demand, with value turning on condition, the plan, and the dues. This is not a guarantee of future value.

Should I use the listing agent to buy here?

No. The listing agent works for the seller. Because the dues, reserves, and condition drive value, having your own representation to read the home and the comps is the highest-leverage decision you make.

The Verdict

Should you buy in Osprey Creek?

An honest fit check. We will tell you when it is not your community.

You want a guard-gated, maintenance-inclusive single-family home in Palm CityExcellent fit

You value a golf-course setting inside Martin Downs Country ClubExcellent fit

You want a central Martin County location near the TurnpikeExcellent fit

You are comfortable confirming the dues, reserves, and conditionExcellent fit

You want a low-maintenance home and would use the optional clubExcellent fit

You want a large estate home or new constructionProbably not

You want a low or no-HOA structureProbably not

You want a two-car garage or a waterfront lotProbably not

You are unwilling to confirm the dues, reserves, and any assessmentProbably not

You want a high-profile, name-recognition communityProbably not

Get the inside read on Osprey Creek

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Osprey Creek home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

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Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing photos provided by BeachesMLS, Inc. Information deemed reliable but not guaranteed.

Osprey Creekat Martin Downs

The 60-Second Overview

Who Osprey Creek is best for.

Best for

Probably not for

How Osprey Creek is performing right now

Homes For Sale Right Now in Osprey Creek

Osprey Creek on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in Osprey Creek at Martin Downs

Guard-gated, golf-course single-family enclave

Central Palm City, Martin County location

Dues, reserves, and membership to confirm

Reported HOA dues and inclusions for Osprey Creek

The Osprey Creek buying strategy.

The full read, only if you want it.

What your money buys in Osprey Creek.

What ~$360K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Osprey Creek holds value.

5 Mistakes Buyers Make in Osprey Creek

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Osprey Creek is different.

Which Lots & Views Hold Value Best

Osprey Creek in 15 seconds.

HOA, CDD & Fees

Tools for a Osprey Creek buy.

Price it to the condition, the plan, and the golf-course position, not a town average.

In Osprey Creek, condition and view decide your number

What is your Osprey Creek home worth?

Price History: What Homes Here Have Actually Sold For

Osprey Creek Market Scorecard

Frequently Asked Questions

Should you buy in Osprey Creek?

Get the inside read on Osprey Creek

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More Palm City & Stuart & Martin County guides

Osprey Creek
at Martin Downs