Waterstone
Homes for Sale in Fort Pierce, FL
All 910 homes for sale in Fort Pierce, FL · median $329,344 · 187 homes for sale in 34951 · St. Lucie County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
As of October 2026, Waterstone Phase Four in Fort Pierce, FL has 32 homes for sale and 8 pending, asking from $314,772 to $490,000 (median $368,662). Over the 12 months ending 2026-08-10, 32 recorded sales closed at a median of $310,750, $187 per square foot, a median 100 days on market, sellers accepting 93% of original asking (-6% versus the prior year). Homes listed or recently sold were built 2020–2026 with 28 new construction; 51 of 52 report an HOA (median $12/mo); none of the 50 geocoded homes sit in a FEMA special flood hazard zone (median elevation 22 ft). At the median price and St. Lucie County's FY2025-26 rate of 22.85 mills, annual property tax runs about $7,100 ($6,120 with the full homestead exemption).
Sections of Waterstone Phase Four in the MLS
Waterstone Phase Four in Fort Pierce, FL is recorded as 3 separate subdivisions/phases in the MLS; 0 homes are for sale across them today. Each section has its own page:
- Waterstone Phase One · 11 sold/12 mo
- Waterstone Phase Two · 2 sold/12 mo
- Waterstone Phase Five · 1 sold/12 mo
Last 30 days in Waterstone: 7 new listings (median asking $399,900), 8 under contract right now, 2 closed sales (median $380,000). As of October 24, 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.
Homes For Sale Right Now in Waterstone
Live MLS inventory for Waterstone. 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.
Active · 13 daysTop listing
Active · 19 days
Active · 305 days
Active · 50 days
Active · 82 days
Active · 63 days
Active · 233 days
Active · 5 days
Active · 411 days
Active · 216 days
Active · 83 days
Active · 207 days
Active · 219 daysActive and pending Waterstone listings as of 2026-10-23, 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.
Waterstone right now
🟡 Balanced market. 3.8 months of supply and 14% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Beaches MLS records, as of August 10, 2026. Confidence: Very High (36 active and pending listings, 32 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($311K) is down 5.9% from the prior 12 months ($330K). With about 16 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 August 10. Confidence: Medium (32 and 13 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 24, 2026 · Live data: Beaches MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Waterstone market snapshot (as of August 10, 2026): the median sale price is about $311K ($187 per sq ft over the trailing 12 months of closed sales), a median 100 days on market for closed sales, and 3.8 months of supply, a balanced market. The trailing-12-month median is down 6% from the prior 12 months, computed from record-level Beaches MLS closed sales (32 closings in the current window).
In ZIP 34951 (Fort Pierce), 353 homes closed in the last 12 months at a median of $313K ($187/sq ft), down 6.2% year over year, with a median 97 days on market. Right now 129 active and 38 pending listings put supply at about 6.0 months — a buyer's market. See the live ZIP 34951 housing market and the St. Lucie County market.
BeachesMLS sales records identify 411 homes in WATERSTONE that have changed hands since 2020, built between 2008 and 2026 (median 2023), with a median living area of about 1,820 sq ft and a typical 4-bedroom, 2-bath layout; 85% 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.
Flood zones in Waterstone: of 45 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Fort Pierce.
The setting & the homes.
Aerial and on-site photos of Waterstone. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Beaches MLS listings in Waterstone; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 10 of each year, from record-level Beaches MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($311K) IS the median in the snapshot above, and the move from 2025 ($330K) IS the -5.9% one-year change.
Windows contain 4 to 32 sales each (32 in the current window); every figure carries its sample size. 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 real cost & risk here
Before the list price, the Florida math the portals skip. These are St. Lucie County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · St. Lucie County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
20% of homes for sale in Waterstone 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 (2026-10-25).
Waterstone Market Scorecard
Waterstone is currently a buyer-leaning market. About 32.0 months of supply, a median asking price of $368,662, and homes go under contract in about 82.5 days.
Typical home value in the 34951 ZIP is $296,550, about 5.2% below 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.
Waterstone on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Beaches MLS. Map data © OpenStreetMap contributors.
Life at Waterstone
- Tennis Court(s) · reported on 43 of 46 listings
- Pool · reported on 42 of 46 listings
- Pickleball Court(s) · reported on 42 of 46 listings
- Clubhouse · reported on 39 of 46 listings
- Playground · reported on 38 of 46 listings
- Fitness Center · reported on 37 of 46 listings
- Picnic Area · reported on 36 of 46 listings
- Community Room · reported on 21 of 46 listings
- Parking · reported on 8 of 46 listings
- Heated Pool · reported on 7 of 46 listings
- Recreation Facilities · reported on 5 of 46 listings
- Gated - No Guard · reported on 4 of 46 listings
Community amenities as reported across Beaches MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- St. Lucie County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Lakewood Park · Elementary
- Dan Mccarty · Middle
- Fort Pierce Central · High
Zoned schools reflect the assignments reported on recent Waterstone listings and can change; always confirm with St. Lucie County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Waterstone address.
Shop the zone: Homes zoned for Fort Pierce Central High School · Homes zoned for Fort Pierce Westwood Academy
Recent Developments in Waterstone
Development, infrastructure, retail, and school activity affecting Waterstone, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
Port St. Lucie board considers rezoning for up to 1,200 homes at Wilson Grove
The Planning and Zoning Board took up a rezoning of nearly 360 acres of agricultural land north of SW Becker Road, between SW Sundance Vista Boulevard and Rangeline Road, to a master planned unit development. The concept plan allows up to 1,200 homes plus parks, lakes and clubhouses. City Council would vote later in October.
What it may mean for the marketUp to 1,200 new homes in western Port St. Lucie would add housing supply and increase traffic demand on Becker Road. The project is about 18 miles south of Waterstone, elsewhere in St. Lucie County.
Source: CBS12 (WPEC) - October 2026Retail & Dining
Buc-ee's at I-95 and Indrio Road finishes county planning, awaits state approvals
The planned travel center would be about 76,000 square feet with roughly 120 fuel pumps at Interstate 95 and Indrio Road near Fort Pierce. County planning is complete, but FDOT and DEP approvals are still needed. Nearby proposals include Indrio Town Center on about 85 acres and Indrio Groves with more than 3,000 homes.
What it may mean for the marketA large travel center would add retail and fuel access at the I-95 interchange and draw further development interest along Indrio Road. The site is about 3 miles southeast of Waterstone.
Source: CBS12 (WPEC) - September 2026Development
Indian River County weighs proposed third hospital near State Road 60 and 66th Avenue
Commissioners discussed a proposed hospital of about 250,000 square feet and five stories on a 75-acre holding near State Road 60 and 66th Avenue in Vero Beach. Current limits are 35 feet and 60,000 square feet, so a special exemption and comprehensive plan changes would be needed. No approval has been given, and the board planned to revisit it October 6.
What it may mean for the marketA western hospital campus would add healthcare capacity and could shorten emergency response times for western Vero Beach, if approved. The site is about 6 miles northwest of Waterstone.
Source: WQCS - August 2026Infrastructure
St. Lucie County reviews updated Port of Fort Pierce master plan with mega-yacht marina and spaceport recovery facility
The 2026 master plan for the Port of Fort Pierce proposes a mega-yacht marina, a spaceport recovery facility, expanded boat ramps and restaurants, with a marine commercial district at Harbour Pointe. County officials say nearly 15,000 registered boats compete for 147 trailer parking spaces near the inlet. The plan is under county review and Fort Pierce holds final approval.
What it may mean for the marketAdded boat ramp parking and marine commercial space would expand waterfront access and dining options near the Fort Pierce Inlet over a multi-year timeline. The site is about 8 miles southeast of Waterstone.
Source: WPTV - July 2026Schools
St. Lucie schools break ground on Fort Pierce K-8
St. Lucie Public Schools broke ground on July 28, 2026 on a 70 million dollar K-8 school behind Dan McCarty Middle School in Fort Pierce, with capacity for 1,500 to 1,800 students and completion expected in August 2028. The school will consolidate Dan McCarty Middle, St. Lucie Elementary, and Lawnwood Elementary, all built in the 1950s and 1960s. The district plans to sell the three existing school properties to offset costs.
What it may mean for the marketThe consolidated campus adds modern school capacity in northern Fort Pierce and frees three older school sites for potential reuse. The project is about 7 miles southeast of Waterstone, elsewhere in St. Lucie County.
Source: WFLX - July 2026Development
Port St. Lucie weighs commercial rezoning in Tradition
A final City Council vote was set for July 14, 2026 on rezoning about 9.5 acres at Crosstown Parkway and SW Fairgreen Drive in Tradition from residential to commercial, a request by Winding River Crosstown LLC to allow retail and office development. The Planning and Zoning Board recommended approval in May with conditions including a landscape buffer and architectural wall along residential borders.
What it may mean for the marketThe rezoning would add commercial retail and office capacity along the Crosstown Parkway corridor in Tradition. The project is about 17 miles south of Waterstone, elsewhere in St. Lucie County.
Source: WFLX
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 Waterstone buying strategy.
If we were buying in Waterstone 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 Waterstone.
A closer look at the Waterstone market
At a median of $187 per square foot, Waterstone prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 3.8 months of supply, a balanced market and the trailing-12-month median down 6% year over year. Homes that do trade take a median 100 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Waterstone. 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 Waterstone 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 (5.3). Basis: Recent Direction -5.9% year-over-year; Liquidity & Demand 3.8 months of supply; Pricing Power 92.9% sale-to-list. Refreshed with each data update.
Tools for a Waterstone 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 Waterstone sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterstone, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterstone home worth?
Get a no-obligation home value based on real comparable sales in Waterstone, 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 Fort Pierce →
Recently off market in WATERSTONE PHASE FOUR
Homes in WATERSTONE PHASE FOUR that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 20 on record.
- 5137 Armina Place · off market
- 5182 Armina Place · off market
- 5205 Armina Place · off market
- 5217 Manciano Street · off market
- 5218 Manciano Street · off market
- 5221 Armina Place · off market
- 5348 Vespera Street · off market
- 5530 Lugo Street · off market
| Location | Fort Pierce, St. Lucie County, FL · ZIP 34951 |
|---|---|
| Home types (current listings and sales) | single-family 77%, villas 23% |
| Amenities listed by sellers | Pool, Tennis Court(s), Clubhouse, Fitness Center, Pickleball Court(s), Picnic Area |
| Sale prices, last 12 months | $310,750 median across 32 closed sales · $187 per sq ft · -5.9% vs the prior 12 months |
| Days on market (closed sales) | 100 median |
| For sale right now | 31 active, 5 pending · median asking $379,000 · 3.8 months of supply |
Data as of August 10, 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. Market figures describe homes, not residents. Cite as: Momentum Realty, “Waterstone key facts,” movewithmomentum.com/neighborhoods/waterstone-fort-pierce, data as of August 10, 2026.
Just listed in Waterstone
The newest homes for sale in Waterstone right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 5127 Montecristo Terrace $339,900 · 4 bd · 2 ba · 1,623 sq ft · listed Oct 16, 2026 Courtesy of Evron & McCarthy Realty LLC
- 5209 San Benedetto Place $399,900 · 4 bd · 2 ba · 1,825 sq ft · listed Oct 15, 2026 Courtesy of Ultimate Realty Corp
- 5216 Vespera Street $344,999 · 3 bd · 2 ba · 1,783 sq ft · listed Oct 14, 2026 Courtesy of FlatFee.com
- 8525 Waterstone Boulevard $490,000 · 4 bd · 3 ba · 2,503 sq ft · listed Oct 7, 2026 Courtesy of United Realty Group Inc.
- 8331 Amalfi Circle $474,900 · 4 bd · 3 ba · 2,116 sq ft · listed Oct 1, 2026 Courtesy of Prime One Realty
- 5223 Vespera Street $350,000 · 4 bd · 2 ba · 1,820 sq ft · listed Sep 22, 2026 Courtesy of Adams Homes Realty Inc
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Waterstone Fort Pierce Right Now (38)
All 38 active and pending Waterstone Fort Pierce listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5127 Montecristo Terrace · $339,900 · 4 bd / 2 ba · listed Oct 16, 2026 · listed by Evron & McCarthy Realty LLC
- 5209 San Benedetto Place · $399,900 · 4 bd / 2 ba · listed Oct 15, 2026 · listed by Ultimate Realty Corp
- 5216 Vespera Street · $344,999 · 3 bd / 2 ba · listed Oct 14, 2026 · listed by FlatFee.com
- 8525 Waterstone Boulevard · $490,000 · 4 bd / 3 ba · listed Oct 7, 2026 · listed by United Realty Group Inc.
- 8331 Amalfi Circle · $474,900 · 4 bd / 3 ba · listed Oct 2, 2026 · listed by Prime One Realty
- 5223 Vespera Street · $350,000 · 4 bd / 2 ba · listed Sep 23, 2026 · listed by Adams Homes Realty Inc
- 8332 Amalfi Circle · $449,900 · 4 bd / 3 ba · listed Sep 4, 2026 · listed by LPT Realty, LLC
- 8607 Merano Avenue · $360,000 · 4 bd / 2 ba · listed Aug 27, 2026 · listed by Fidelity Realty Advisors Inc
- 8308 Amalfi Circle · $428,000 · 4 bd / 3 ba · pending · listed Aug 27, 2026 · listed by Sole Realty Group
- 5476 Lugo Street · $420,000 · 3 bd / 2 ba · listed Aug 22, 2026 · listed by RE/MAX Gold
- 8516 Waterstone Boulevard · $370,000 · 3 bd / 2 ba · pending · listed Aug 18, 2026 · listed by Non Member Listing Office
- 8604 NW Giovanni Avenue #143-4 · $324,300 · 3 bd / 2 ba · listed Aug 16, 2026 · listed by Adams Homes Realty Inc
- 5748 Waterstone Boulevard · $380,000 · 3 bd / 2 ba · listed Aug 14, 2026 · listed by Realty One Group Estates
- 5162 Armina Place · $320,000 · 4 bd / 2 ba · listed Aug 11, 2026 · listed by Keller Williams Realty of Vero
- 8602 Giovanni Avenue · $362,324 · 4 bd / 3 ba · listed Aug 7, 2026 · listed by Adams Homes Realty Inc
- 5163 Manciano Street · $354,924 · 3 bd / 2 ba · listed Aug 7, 2026 · listed by Adams Homes Realty Inc
- 8603 Giovanni Avenue · $349,924 · 3 bd / 2 ba · pending · listed by Adams Homes Realty Inc
- 5455 Lugo Street · $430,000 · 4 bd / 2 ba · listed Jul 31, 2026 · listed by Keller Williams Realty of Vero
- 5747 Waterstone Boulevard · $375,000 · 4 bd / 2 ba · listed Jul 30, 2026 · listed by Adams Homes Realty Inc
- 4954 Armina Place · $375,000 · 4 bd / 2 ba · listed Jul 28, 2026 · listed by RE/MAX Gold
- 5112 Modeno Street · $359,324 · 4 bd / 3 ba · pending · listed by Adams Homes Realty Inc
- 8605 Giovanni Avenue · $312,772 · 3 bd / 2 ba · pending · listed by Adams Homes Realty Inc
- 8166 Merano Avenue · $350,000 · 4 bd / 2 ba · listed by Adams Homes Realty Inc
- 8167 Merano Avenue · $350,000 · 4 bd / 2 ba · listed by Adams Homes Realty Inc
- 8614 Giovanni Avenue · $332,300 · 3 bd / 2 ba · listed by Adams Homes Realty Inc
- 8613 Giovanni Avenue · $355,924 · 3 bd / 2 ba · listed by Adams Homes Realty Inc
- 8615 Giovanni Avenue · $332,772 · 3 bd / 2 ba · listed by Adams Homes Realty Inc
- 8626 Giovanni Avenue #8628 · $314,772 · 3 bd / 2 ba · listed by Adams Homes Realty Inc
- 8628 Giovanni Avenue · $333,724 · 3 bd / 2 ba · listed by Adams Homes Realty Inc
- 8844 Waterstone Boulevard · $375,000 · 3 bd / 2 ba · listed by Adams Homes Realty Inc
- 8839 Waterstone Boulevard · $380,000 · 4 bd / 2 ba · listed by Adams Homes Realty Inc
- 5736 Waterstone Boulevard · $375,000 · 3 bd / 2 ba · listed by Adams Homes Realty Inc
- 5435 Lugo Street · $399,999 · 3 bd / 2 ba · listed by LPT Realty, LLC
- 5728 Waterstone Boulevard · $375,000 · 3 bd / 2 ba · pending · listed by Adams Homes Realty Inc
- 8652 Waterstone Boulevard · $455,000 · 4 bd / 3 ba · listed by Florida Real Estate Navigators
- 5228 Vespera Street · $346,612 · 3 bd / 2 ba · pending · listed by Adams Homes Realty Inc
- 8746 Waterstone Boulevard · $493,900 · 4 bd / 3 ba · pending · listed by Adams Homes Realty Inc
- 5447 Lugo Street · $385,000 · 4 bd / 2 ba · listed by LPT Realty, LLC
Recently sold in Waterstone Fort Pierce
- 8820 Waterstone Boulevard · sold $400,000
- 5205 Armina Place · sold $360,000
- 5221 Armina Place · sold $325,000
- 5217 Manciano Street · sold $322,000
- 5530 Lugo Street · sold $390,652
- 5739 Waterstone Boulevard · sold $391,000
- 8622 Giovanni Avenue · sold $361,324
- 8802 Waterstone Boulevard · sold $423,496
- 8308 Amalfi Circle · sold $336,000
- 8833 Waterstone Boulevard · sold $386,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Fort Pierce home searches
- All homes for sale in Fort Pierce, FL
- Homes for sale in St. Lucie County, FL
- Fort Pierce pool homes for sale
- Fort Pierce waterfront homes for sale
- Gated communities in Fort Pierce
- Fort Pierce golf course homes
- Homes under $300K in Fort Pierce
- Homes from $300K to $500K in Fort Pierce
- 4-bedroom homes for sale in Fort Pierce
- Fort Pierce home values: what is my house worth?
Fort Pierce guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (St. Lucie County)
- Homestead exemption (St. Lucie 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
Real estate agent in Fort Pierce? Join Momentum in Fort Pierce: 100% commission, one $12K cap.
What it really costs to own in Waterstone
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $2,813/yr across 51 listings here (MLS tax records, 2026-10-24). |
|---|---|
| HOA dues | Median $12/month across 51 MLS listings (most billed monthly; 2026-10-24). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Lucie County is $2,332/yr (2,890 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 45 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2025 across 51 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Estimated carrying cost at the median asking price, before the mortgage: about $441/month (tax $234, HOA $12, insurance $194). An estimate from the sources above, not a quote.
Email me new listings in Waterstone
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 Waterstone
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waterstone will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Waterstone?
How long do homes in Waterstone take to sell?
Is Waterstone a buyer's or seller's market right now?
Who is the best real estate agent for Waterstone?
How do I find a top Fort Pierce real estate agent who knows Waterstone?
Can Momentum Realty connect me with an agent for Waterstone?
Where is Waterstone, and what county is it in?
Is Waterstone in a flood zone?
Is Waterstone a good place to live?
Data sources & freshness
| Live listings | Beaches MLS, refreshed twice daily (last: October 23, 2026) |
| Community market stats | Beaches MLS closed sales, 12-month windows ending August 10, 2026 |
| Under-contract shares | Beaches MLS records, as of 2026-08-10 |
| Historical depth | Closed-sale records back to 2024 (49 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 →
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 WATERSTONE PHASE FOUR fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Waterstone with Momentum Realty’s local guides.





