Willoughby Cay
Homes for Sale in Stuart, FL
All 261 homes for sale in Stuart, FL · median $459,000 · 173 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). As of September 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 129 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 (15 listings across 7 villages and sections in the MLS).
| 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.
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 26 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; 73% 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.
Swipe or use the arrows → tap any photo to enlarge
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.
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.
Homes For Sale Right Now in Willoughby Cay
Live MLS inventory for Willoughby Cay. 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 and pending Willoughby Cay listings as of 2026-09-26, 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.
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, tiles © CARTO.
Schools
- Martin County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinewood (Martin) · Elementary
- Dr. David L. Anderson · Middle
- Martin County · High
Zoned schools reflect the assignments reported on recent Willoughby Cay listings and can change; always confirm with Martin County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Willoughby Cay address.
Shop the zone: Homes zoned for Martin County High School
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.
HOA, CDD & Fees
- HOA dues reported around $296/month (about $3,552/yr) · median of 36 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $296 per month ($3,552 a year) — the median AssociationFee across 36 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.
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 →
24% of homes for sale in ZIP 34997 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 (2026-09-26).
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: September 26, 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.
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 Willoughby Cay fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Willoughby Cay with Momentum Realty’s local guides.