Townhome Communities in St. Lucie County, FL

Looking for townhome communities in St. Lucie County, FL? Momentum Realty tracks 5 St. Lucie County communities with evidence of townhome and villa living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

St. Lucie County townhome communities at a glance

Communities tracked

$308,000

Median sale price

189 days

Median days on market

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Tidewater · agent	Fort Pierce	$305,000	–	152 d
Celebration Pointe · agent	Fort Pierce	$308,000	–	201 d
Mariner Bay · agent	Fort Pierce	$415,000	–	336 d
Stones Throw Townhomes · agent	Fort Pierce	$145,000	–	70 d
Gardens of St Lucie · agent	Port St. Lucie	$315,000	–	187 d

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

What a townhome actually buys you in Florida

Townhomes and villas sit between condos and single-family homes: you typically own the structure and the lot beneath it, with the HOA maintaining exteriors, roofs, or grounds depending on the documents. That split is the whole game — read the declaration to learn exactly which parts of the building are yours to insure and repair. Ask specifically about roof responsibility and age: in Florida, who replaces the roof (you, the HOA, or shared) changes both your insurance quote and your reserves risk.

Fees and insurance are the comparison that matters

Compare townhome communities on the fee-to-coverage ratio: what the monthly fee actually maintains, the association’s master insurance versus what your HO-6 or HO-3 policy must cover, and the reserve balance behind shared roofs and exteriors. Our buyer closing costs calculator turns price plus dues into the real monthly number.

What it costs to own here

At St. Lucie County’s typical combined millage of 22.85 mills, a purchase at $308,000 (the median across these townhome communities) generates roughly $7,039 a year in property tax before exemptions — about $587 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in St. Lucie County average about $2,332 a year ($194 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in St. Lucie County near $2,327 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses St. Lucie County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in St. Lucie County right now

In the most recent IRS migration data (2022-2023), St. Lucie County gained a net 10,167 people to relocation, with the largest inbound flows from NY, NJ, MA. Households moving IN reported average incomes of $76,840 versus $60,807 for those leaving — the income mix of demand, straight from tax filings. Population is up about 13.3% over the recent multi-year window. On the supply side, builders pulled 4,008 residential permits in St. Lucie County in 2025 (3,468 single-family), down 17.7% year over year — against 7,461 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 9.9% versus its income-and-rent fundamentals.

The St. Lucie County market, in context

St. Lucie County is Port St. Lucie and Fort Pierce — one of Florida's fastest-growing and most attainable coastal markets, anchored by the giant Tradition master-planned 'new town' and a Cleveland Clinic medical hub. It offers Treasure Coast beaches and new construction at prices below the southeast metros.

The economy behind the market: {'drivers': 'healthcare, distribution and logistics, education, retail, and construction', 'summary': "St. Lucie's economy is built around growth itself: Cleveland Clinic Tradition Hospital anchors a fast-expanding medical sector, the 1,200-acre Southern Grove jobs corridor along I-95 has attracted distributors like Cheney Brothers and Amazon, and education (Indian River State College) and a deep construction-and-services base support the boom. Many residents also commute toward Palm Beach County.", 'employers': ['St. Lucie Public Schools', 'Cleveland Clinic Martin Health / Tradition Hospital', 'Indian River State College', 'Cheney Brothers (Southern Grove)', 'Amazon', 'St. Lucie County government', 'City of Port St. Lucie'], 'jobNote': 'The 1,200-acre Southern Grove / Tradition jobs corridor along I-95 is drawing distribution and healthcare employers, led by Cleveland Clinic.'}

What could change it: St. Lucie carries Treasure Coast hurricane and storm-surge exposure on the barrier island and along the St. Lucie River, with rising insurance and FEMA flood considerations on the coast. Inland Port St. Lucie and Tradition carry lower surge risk but face the strain of explosive growth on roads and schools.

Near-term outlook: Expect St. Lucie to remain one of Florida's fastest-growing counties over the next 12 months, with affordability and the Tradition/Cleveland Clinic story pulling strong in-migration and a heavy construction pipeline keeping buyers in a strong negotiating position.

Run the numbers in St. Lucie County

Explore more Florida communities

Common questions

How many townhome communities does St. Lucie County, FL have?

Momentum Realty currently tracks 5 communities in St. Lucie County with evidence of townhome and villa living in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in St. Lucie County townhome communities cost?

The median sale price across tracked townhome communities in St. Lucie County is about $308,000, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the townhome communities?

A community appears here when we find a majority of the community’s MLS-recorded listings carrying a townhouse or villa property type. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves St. Lucie County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in St. Lucie County?

Citizens Property Insurance policies in St. Lucie County average about $2,332 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in St. Lucie County?

Typical combined millage in St. Lucie County is about 22.85 mills - roughly 2.29% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.