The Reef In Rocky Point
Homes for Sale in Stuart, FL
All 688 homes for sale in Stuart, FL · median $422,000 · 329 homes for sale in 34997 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
As of November 2026, the MLS records 1 closed sale in The Reef In Rocky Point in Stuart, FL, the most recent in April 2026. Across Stuart as a whole, 162 homes closed in the last 12 months at a median of $485,000, 45 median days on market, with 652 homes for sale today. At that median and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $7,500 ($6,890 with the full homestead exemption).
The Reef In Rocky Point is a small pocket in Stuart, and the current MLS snapshot shows no shared community amenities to lean on. That puts the weight of value on the individual home: its condition, its lot, its proximity to the water and the Rocky Point corridor. There is no clubhouse or gate premium to price around here, so what you're paying for is the house itself and where it sits.
With no amenity story and a limited-inventory profile, pricing tends to be condition-driven and property-specific rather than set by a community benchmark. For a buyer, that means underwriting each home on its own merits and not assuming one sale sets the number for the next. For a seller, it means presentation and honest condition disclosure do more work here than any community brochure would.
Figures in this note are as of July 20, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside The Reef In Rocky PointHomes 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
The Reef In Rocky Point is a compact Stuart enclave in Martin County with no community amenities identified in current listings, so the appeal is location and the individual property rather than shared facilities.
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 The Reef In Rocky Point is best for.
Best for
- Buyers who prioritize a water-adjacent Stuart location and will underwrite a home on its own condition
- Buyers comfortable renovating who want a project house and are pricing for the work
- Buyers seeking a low-overhead property with no amenity dues to carry
Probably not for
- Buyers who want a clubhouse, pool, or other shared amenities included
- Buyers who need abundant inventory and easy, plentiful comparable sales to feel confident
- Buyers who want a turnkey home with no attention to age of systems or waterfront elevation factors
The market around The Reef In Rocky Point
The Reef In Rocky Point is too small for its own price trend, so here is the market around it.
In ZIP 34997, 410 homes are on the market and 24% are under contract — a steady corner of Stuart.
Across Martin County, 1,283 homes are active and 398 pending (24% under contract).
In ZIP 34997 (Stuart), 101 homes closed in the last 12 months at a median of $542K ($291/sq ft), down 2.6% year over year, with a median 45 days on market. Right now 13 active and 4 pending listings put supply at about 1.5 months — a balanced market. See the live ZIP 34997 housing market and the Martin County market.
ZIP and county figures describe the wider market, not The Reef In Rocky Point specifically. Momentum Research analysis of MLS records.
The The Reef In Rocky Point buying strategy.
If we were buying in The Reef In Rocky Point 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 The Reef In Rocky Point.
What actually drives value here
Rocky Point is one of Stuart's water-adjacent areas, and that geography, plus the specific attributes of each home, is what carries the price. Because current listings show no shared amenities, there is no HOA-facility layer inflating or supporting values. You are evaluating the lot, the structure, and access to the surrounding Stuart and Martin County waterfront network.
Expect a wide, condition-based spread between homes rather than a tidy tier. A renovated property and a project house in the same pocket can sit far apart on price, and neither tells you much about the other. Do the work on each listing individually: age of systems, flood and elevation considerations near the water, and what the lot actually delivers.
The location and the amenities are priced into every listing in The Reef In Rocky Point. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Small, amenity-free pockets like The Reef In Rocky Point reward local knowledge and honest underwriting over comparison to a big master-planned benchmark. We price and evaluate homes here one at a time, on condition and location, and we'll tell you plainly when a specific listing isn't worth its ask or when this pocket isn't the right fit for your goals.
The Reef In Rocky Point in 15 seconds.
Email me new listings in The Reef
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about The Reef
Have a question about the homes, fees, rules or commute here? A Momentum agent who works The Reef will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $100/month (about $1,200/yr) · median of 16 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $100 per month ($1,200 a year) — the median AssociationFee across 16 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, 2026-10.
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 The Reef In Rocky Point 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 The Reef In Rocky Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in The Reef In Rocky Point, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your The Reef In Rocky Point home worth?
Get a no-obligation home value based on real comparable sales in The Reef In Rocky Point, 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 →
| Location | Stuart, Martin County, FL · ZIP 34997 |
|---|---|
| Homes in the community | 15 (FL DOR 2025 assessment roll) |
| Years built | 1997–2018 (median 1999) |
| Typical living area | 2,261 sq ft (median) |
| Amenities listed by sellers | Gated - No Guard, Pickleball Court(s) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 93% |
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, “The Reef In Rocky Point key facts,” movewithmomentum.com/neighborhoods/the-reef-in-rocky-point, data as of September 20, 2026.
Housing distress & ownership in The Reef In Rocky Point, 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.
More Stuart home searches
- All homes for sale in Stuart, FL
- Homes for sale in Martin County, FL
- Gated communities in Stuart
- Stuart home values: what is my house worth?
Stuart guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (Martin County)
- Homestead exemption (Martin County)
- Home insurance cost
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
Real estate agent in Stuart? Join Momentum in Stuart: 100% commission, one $12K cap.
Recent Developments in The Reef In Rocky Point
Development, infrastructure, retail, and school activity affecting The Reef In Rocky Point, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
Murray Middle School in Stuart breaks ground on $33M rebuild phase
The second phase adds new learning spaces, a performing arts wing and gym renovations after Hurricane Milton's tornado damaged three main buildings. The gym is expected by August 2027 and the new buildings by December 2027.
What it may mean for the marketReplaces portable classrooms with permanent facilities, improving a public school campus in the Stuart area. The site is about 2 miles northwest of The Reef In Rocky Point.
Source: WPTV - October 2026Parks & Amenities
Mattamy Homes to transfer 125 acres at Newfield for St. Lucie River muck storage
Mattamy is moving 125 acres from the northern part of its Newfield development to Martin County for river restoration, matched by an adjacent 125 acres from the Florida Inland Navigation District. The combined land can hold about 2.4 million cubic yards of dredged muck, and removal starts only after federal funding is authorized.
What it may mean for the marketPreserves open land near Newfield and supports St. Lucie River water quality, with possible recreational use of the parcels later. The site is about 5 miles southwest of The Reef In Rocky Point.
Source: WPTV - October 2026Civic
Martin County adopts one-year moratorium on new data centers
Commissioners voted 4-0 on Oct. 27 for a one-year pause on data center development. A hyperscale application west of I-95 off Kanner Highway was filed earlier and is not affected.
What it may mean for the marketSets a pause on a large industrial land use while the county writes rules, which shapes what may be built near western Martin corridors. The site is about 5 miles southwest of The Reef In Rocky Point.
Source: WPTV - October 2026Civic
Martin County moves to restore MARTY bus service with emergency contract
Commissioners voted to end the contract with Martin County Transit and negotiate a one-year emergency agreement with MTM Transit after service stopped suddenly the prior week. County staff hoped to restart service within about a week.
What it may mean for the marketAffects county-wide bus access and commute options until service resumes. The site is about 3 miles west of The Reef In Rocky Point.
Source: WPTV - September 2026Development
Martin County approves limited-industrial zoning on Southeast Powerline Avenue in Hobe Sound
Commissioners voted 3-2 to rezone a property along Southeast Powerline Avenue to limited-industrial, a less intensive class than the general industrial designation first proposed. The county said the existing zoning was outdated and that no data center is planned. Any proposal over 100,000 square feet would need board approval.
What it may mean for the marketLimited-industrial zoning could add light industrial space and local jobs in Hobe Sound while capping the scale of future uses. The project is about 10 miles southeast of The Reef In Rocky Point, elsewhere in Martin County.
Source: WFLX (FOX 29) - August 2026Infrastructure
Federal government awards $79 million for St. Lucie River Bridge replacement in Stuart; Brightline station grant denied
The century-old St. Lucie River Bridge replacement received $79 million in federal funding. The federal Intercity Passenger Rail Program did not fund a proposed Brightline station in downtown Stuart. Martin County said it welcomed the bridge funding.
What it may mean for the marketBridge replacement funding supports a key rail and river crossing, while the denied grant leaves the timing of a Stuart passenger rail stop uncertain. The site is about 2 miles northwest of The Reef In Rocky Point.
Source: WJNO (iHeart)
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.
Frequently Asked Questions
How many homes are in The Reef In Rocky Point?
What share of The Reef In Rocky Point is owner-occupied?
When were the homes in The Reef In Rocky Point built?
Who is the best real estate agent for The Reef In Rocky Point?
How do I find a top Stuart real estate agent who knows The Reef In Rocky Point?
Can Momentum Realty connect me with an agent for The Reef In Rocky Point?
Where is The Reef In Rocky Point, and what county is it in?
Should you buy in The Reef In Rocky Point?
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: November 6, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34997)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2026 (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. A Momentum agent can price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how The Reef In Rocky Point fits the bigger picture — live prices, inventory, and Momentum Scores: