Sun Terrace in Port St. Lucie

Sun Terrace
Homes for Sale in Port St. Lucie, FL

All 1,473 homes for sale in Port St. Lucie, FL · median $414,990 · 283 homes for sale in 34986 · St. Lucie County homes for sale

Community in Port St. Lucie · St. Lucie County · ZIP 34986
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Photo via Beaches MLS

Built fromLive Beaches MLS data25 years of closingsUpdated twice daily

As of September 2026, the MLS records 23 closed sales in Sun Terrace in Port St. Lucie, FL since 2001, the most recent in June 2026. Across Port St. Lucie as a whole, 1,671 homes closed in the last 12 months at a median of $395,000, 62 median days on market, with 697 homes for sale today. At that median and St. Lucie County's FY2025-26 rate of 22.85 mills, annual property tax runs about $9,030 ($8,050 with the full homestead exemption).

Live · Sun Terrace Housing Pulse Beaches MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Sun Terrace is a pocket of Port St. Lucie where the current MLS snapshot shows no shared community amenities to price around — no clubhouse, pool, or gate carrying an HOA premium. That means the home itself does the work here. Lot, square footage, updates, and condition are what move a number up or down, not a marketing story about the community.

With nothing amenity-driven anchoring value, expect a wide spread between a dated, as-is house and a renovated one on a comparable street. For buyers, that rewards patience and a sharp eye on condition. For sellers, it means the return on visible, verifiable updates tends to show up in the price more directly than it would in an amenity-heavy community.

Nearby homes for sale

No active listings inside Sun TerraceHomes for Sale in Port St. Lucie, 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.

1258 NW Sun Terrace Circle
$265K · 0.1 mi away
2 bd · 2 ba · 1,152 sqft
1258 NW Sun Terrace Circle
Listed by Bold Real Estate Group, Inc
1202 NW Sun Terrace Circle #24D
$260K · 0.1 mi away
2 bd · 2 ba · 1,152 sqft
1202 NW Sun Terrace Circle #24D
Listed by Homestyle Realty LLC
1215 NW Sun Terrace Circle
$245K · 0.1 mi away
2 bd · 2 ba · 1,152 sqft
1215 NW Sun Terrace Circle
Listed by Macken Realty Inc
1220 NW Sun Terrace Circle #C
$235K · 0.1 mi away
2 bd · 2 ba · 1,152 sqft
1220 NW Sun Terrace Circle #C
Listed by LAER Realty Partners Bowen/PSL
1192 Lombardy Drive
$210K · 0.1 mi away
2 bd · 2 ba · 1,217 sqft
1192 Lombardy Drive
Listed by Bradley & Associates Real Est
1184 NW Lombardy Drive
$145K · 0.1 mi away
2 bd · 2 ba · 1,233 sqft
1184 NW Lombardy Drive
Listed by Golden Bridge Collective LLC

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

Sun Terrace sits within Port St. Lucie in St. Lucie County, on the Treasure Coast side of our market. The current listings show no community amenities, so this reads as a straightforward residential area where each home is judged on its own merits.

BeachesMLS sales records identify 17 homes in Sun Terrace that have changed hands since 2001, built between 1980 and 1994 (median 1992), with a median living area of about 1,152 sq ft and a typical 2-bedroom, 2-bath layout. 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.

Best for

  • Buyers prioritizing a private home and no HOA dues over shared amenities
  • Value-focused buyers willing to renovate and price around condition
  • Long-term owners comfortable handling their own property maintenance

Probably not for

  • Buyers set on a gated or amenity-rich community with a clubhouse or pool
  • Buyers wanting a uniform, HOA-maintained streetscape
  • Buyers who need turnkey certainty and won't scrutinize individual home condition

The market around Sun Terrace

Sun Terrace is too small for its own price trend, so here is the market around it.

In ZIP 34986, 373 homes are on the market and 21% are under contract — a steady corner of Port St. Lucie.

Across St. Lucie County, 2,467 homes are active and 743 pending (23% under contract).

In ZIP 34986 (Port St. Lucie), 1,242 homes closed in the last 12 months at a median of $380K ($203/sq ft), down 1.8% year over year, with a median 58 days on market. Right now 183 active and 37 pending listings put supply at about 5.4 months — a buyer's market. See the live ZIP 34986 housing market and the St. Lucie County market.

ZIP and county figures describe the wider market, not Sun Terrace specifically. Momentum Research analysis of MLS records.

Housing distress & ownership in Sun Terrace, Port St. Lucie

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 21 listings
Distress share trend — 0.0% now (2026-09-14 → 2026-09-19)

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.

If we were buying in Sun Terrace 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 Sun Terrace.

Best Buy
Buyers who want a standalone home in Port St. Lucie without HOA dues.
Biggest Risk
With no shared standard, condition varies sharply house to house.
Sweet Spot
A well-maintained home bought at a condition-adjusted price.
Avoid If
You want community amenities like a pool, clubhouse, or gate.

What actually drives value in Sun Terrace

Because there are no amenities identified in the current MLS data, there's no HOA layer padding or protecting values. That's a double edge: no monthly dues eating into your budget, but also no shared maintenance standard keeping the streetscape uniform. Diligence on the individual property — roof age, systems, permits, flood posture given the Treasure Coast location — matters more here than the neighborhood label.

This is the kind of area where two homes a block apart can price very differently based on condition alone. Read comps carefully and adjust for updates rather than assuming a community-wide floor or ceiling on price.

“

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

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In an area with no amenity story to lean on, pricing lives or dies on condition-adjusted comps. We do that work honestly — reading updates, systems, and lot against recent sales, and telling you when a listing is priced on hope rather than fundamentals. If Sun Terrace isn't the right fit for your goals, we'll say so.

Sun Terrace in 15 seconds.

Best forBuyers who want a standalone home in Port St. Lucie without HOA dues.
Biggest advantageNo amenity premium and no monthly dues built into the cost of owning here.
Biggest riskWith no shared standard, condition varies sharply house to house.
Sweet spotA well-maintained home bought at a condition-adjusted price.
Avoid ifYou want community amenities like a pool, clubhouse, or gate.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Sun Terrace 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 Sun Terrace.
In short
  • HOA dues reported around $445/month (about $5,340/yr) · median of 18 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $445 per month ($5,340 a year) — the median AssociationFee across 18 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 Sun Terrace sales matched to your home.

What is your Sun Terrace home worth?

Get a no-obligation home value based on real comparable sales in Sun Terrace, 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 Port St. Lucie →

Real comps, not an automated estimate.
Buyers prioritizing a private home and no HOA dues over shared amenitiesExcellent fit
Value-focused buyers willing to renovate and price around conditionExcellent fit
Long-term owners comfortable handling their own property maintenanceExcellent fit
Buyers set on a gated or amenity-rich community with a clubhouse or poolProbably not
Buyers wanting a uniform, HOA-maintained streetscapeProbably not
Buyers who need turnkey certainty and won't scrutinize individual home conditionProbably not

Data sources & freshness

Live listingsBeaches MLS, refreshed twice daily (last: September 22, 2026)
Under-contract sharesBeaches MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2001 (23 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.

Looking to buy here? Search homes for sale →

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Common questions about Sun Terrace

Where is Sun Terrace?

Sun Terrace is a community in Port St. Lucie, St. Lucie County, Florida, ZIP 34986.

Are there homes for sale in Sun Terrace right now?

No active listings inside Sun Terrace at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.

Does Sun Terrace have an HOA or CDD?

No HOA is on record for Sun Terrace 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.

Nearby Communities

Explore more neighborhoods near Sun Terrace with Momentum Realty’s local guides.

TLThe Lakes At St Lucie Wes0.0 mi away · 1 for saleKIKings Isle Isle Of Lombardy0.1 mi away · 110 homes, built 1993–94, 2 for saleKIKings Isle Community Association0.2 mi away · 147 homes, built 1994–97TLThe Lakes At St Luce West Lakeside0.2 mi awaySLSt Lucie West0.3 mi away · 43 homes, built 1995–96, 1 for saleKIKings Isle0.3 mi away · median $290K, 5 sales/12 moKIKings Isle0.3 mi away · 39 homes, built 1997–99

Browse all neighborhood guides →

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