Willoughby Cay
Homes for Sale in Stuart, FL
All 648 homes for sale in Stuart, FL · median $415,000 · 175 homes for sale in 34994 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
Homes listed or recently sold were built 2003–2004; 4 of 4 report an HOA (median $296/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). As of October 2026, the MLS records 30 closed sales in Willoughby Cay in Stuart, FL since 2003, the most recent in December 2025. Recorded prices across those 30 sales ran from $131,500 to $439,000 (median $287,500), on homes of 1,398 to 1,549 sq ft. Across Stuart as a whole, 499 homes closed in the last 12 months at a median of $380,302, 66 median days on market, with 623 homes for sale today. At that median and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $4,450 ($3,840 with the full homestead exemption).
Part of the Willoughby master-planned community in Stuart, FL — see all Willoughby homes for sale (17 listings across 7 villages and sections in the MLS).
Last 30 days in Willoughby Cay: 1 closed sale (median $465,000). As of October 16, 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.
Willoughby Cay sits in Stuart with virtually no active transaction data to establish a current pricing pattern. With only two closings recorded in the recent window, you're looking at a community that trades very infrequently—either because inventory is tightly held or because the pool of homes is small. That means pricing is driven by individual negotiations rather than a predictable market rhythm.
For buyers, expect limited choice and no clear comp momentum to anchor your offer. For sellers, you're pricing in a vacuum; the last sale sets the bar until the next one resets it. If you need to move quickly or require multiple options to compare, this is not the market. If you value exclusivity and can wait for the right transaction, the low volume may work in your favor.
The 60-Second Overview
Willoughby Cay in Stuart operates as a low-inventory pocket where homes change hands infrequently. The limited transaction history means pricing follows individual deals rather than a steady market trend.
BeachesMLS sales records identify 27 homes in Willoughby Cay that have changed hands since 2003, built between 2000 and 2004 (median 2003), with a median living area of about 1,549 sq ft and a typical 3-bedroom, 2-bath layout; 74% are townhomes. Source: BeachesMLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 10 qualified sales in Willoughby Cay across 2024–2025 (3 in 2024, 7 in 2025), median $425,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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.
The setting & the homes.
Aerial and on-site photos of Willoughby Cay. Swipe to explore the community.
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Willoughby Cay
Willoughby Cay
Willoughby Cay
Willoughby CayPhotos from Beaches MLS listings in Willoughby Cay; content deemed reliable but not guaranteed.
Who Willoughby Cay is best for.
Best for
- Buyers relocating to Stuart who want a quiet, low-density setting and can wait for the right home to surface
- Investors comfortable holding long-term in a market where liquidity is low but ownership is stable
- Move-up buyers from other Martin County neighborhoods seeking more privacy and willing to act decisively when inventory appears
Probably not for
- First-time buyers who need to compare multiple listings and lock in a price quickly
- Anyone on a tight closing timeline or contingent on selling another home first
- Buyers who expect resort-style amenities or a community social structure—there are no identified shared facilities here
The market around Willoughby Cay
Willoughby Cay is too small for its own price trend, so here is the market around it.
In ZIP 34994, 214 homes are on the market and 22% are under contract — a steady corner of Stuart.
Across Martin County, 1,283 homes are active and 398 pending (24% under contract).
In ZIP 34994 (Stuart), 223 homes closed in the last 12 months at a median of $275K ($224/sq ft), up 6.6% year over year, with a median 68 days on market. Right now 48 active and 6 pending listings put supply at about 4.4 months — a buyer's market. See the live ZIP 34994 housing market and the Martin County market.
ZIP and county figures describe the wider market, not Willoughby Cay specifically. Momentum Research analysis of MLS records.
Willoughby Cay 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.
The Willoughby Cay buying strategy.
If we were buying in Willoughby Cay 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 Willoughby Cay.
A quiet enclave with scarce data
The defining characteristic of Willoughby Cay is the absence of regular market activity. Two closings in the recent snapshot period tell you this is not a subdivision with steady turnover or a predictable listing cycle. That scarcity can reflect several realities: a small number of lots, long-term owner occupancy, or a location that appeals to a narrow buyer profile.
There are no identified community amenities in the current MLS data, so the value proposition rests entirely on the individual parcel—lot attributes, home condition, proximity to Stuart's amenities and water access, and the appeal of a low-density setting. Without a clubhouse, pool, or formal HOA infrastructure to anchor pricing, each home stands on its own merits.
For buyers accustomed to choice and comparative pricing, this environment is frustrating. You may wait months for a listing, and when one appears, you have no recent comps to validate the ask. For sellers, the flip side is true: you set the market, but you also bear the risk that your pricing has no recent validation. Appraisals and lender underwriting become more art than science when the last comparable sale is stale.
The location and the amenities are priced into every listing in Willoughby Cay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume enclave like Willoughby Cay, you need a broker who knows how to price and negotiate without the crutch of a steady comp stream. Momentum's Martin County agents understand Stuart's waterfront and near-water pockets, can pull broader area data to contextualize value, and won't waste your time with speculative offers or overpriced listings. If you're a seller, we'll tell you when the last comp is too old to lean on. If you're a buyer, we'll help you move decisively when the rare listing appears—and we'll walk away if the deal doesn't pencil.
Willoughby Cay in 15 seconds.
What it really costs to own in Willoughby Cay
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 $3,669/yr across 4 listings here (MLS tax records, 2026-10-16). |
|---|---|
| HOA dues | Median $328/month across 66 MLS listings (most billed monthly; 2026-10-15). 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 Martin County is $2,580/yr (1,552 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2004 across 4 listings. An original roof here would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Willoughby Cay
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 Willoughby Cay
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Willoughby Cay will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $328/month (about $3,936/yr) · median of 66 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $328 per month ($3,936 a year) — the median AssociationFee across 66 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 Willoughby Cay 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 Willoughby Cay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Willoughby Cay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Willoughby Cay home worth?
Get a no-obligation home value based on real comparable sales in Willoughby Cay, 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 34994, 34996, 34997 |
|---|---|
| Homes in the community | 101 (FL DOR 2025 assessment roll) |
| Years built | 2002–2004 (median 2003) |
| Typical living area | 1,549 sq ft (median) |
| Amenities listed by sellers | None, Fire Alarm, Gated with Guard, Security Gate, Gated - No Guard, Gated Community |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 77% |
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, “Willoughby Cay key facts,” movewithmomentum.com/neighborhoods/willoughby-cay, data as of September 20, 2026.
Housing distress & ownership in Willoughby Cay, 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
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- Homes under $300K in Stuart
- Homes from $300K to $500K in Stuart
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- Stuart home values: what is my house worth?
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- SE Bridgetown Court (9 homes on record)
- SE Tidewater Place (4 homes on record)
- SE Tidewater Place (2 homes on record)
- SE Bridgetown Court (2 homes on record)
- SE Bridgetown Court (1 homes on record)
Recent Developments in Willoughby Cay
Development, infrastructure, retail, and school activity affecting Willoughby Cay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- 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 11 miles southeast of Willoughby Cay, 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 less than a mile east of Willoughby Cay.
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 Willoughby Cay?
What share of Willoughby Cay is owner-occupied?
When were the homes in Willoughby Cay built?
Who is the best real estate agent for Willoughby Cay?
How do I find a top Stuart real estate agent who knows Willoughby Cay?
Can Momentum Realty connect me with an agent for Willoughby Cay?
Where is Willoughby Cay, and what county is it in?
Should you buy in Willoughby Cay?
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: October 14, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34994/34996/34997)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2003 (30 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.
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