Waterfront Homes for Sale in Palm City, FL
This page tracks every Palm City listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
67 waterfront homes are for sale or pending in Palm City, FL today across 45 communities. The median asking price is $784,900, from $119,000 to $3,600,000. Listings in Palm City without that feature have a median of $893,500. Most listings right now: Sand Trail (Aka Copperleaf) (5), Hammock Creek (4), Rustic Hills (4). Updated September 8, 2026 from the MLS.
Palm City waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Sand Trail (Aka Copperleaf) | 5 | 0 | $1,075,000 | $784,900 |
| Hammock Creek | 4 | 0 | $987,500 | $835,000 |
| Rustic Hills | 4 | 0 | $812,000 | $795,000 |
| Seagate Harbor | 3 | 0 | $925,000 | $889,000 |
| Palm Cove Golf & Yacht Club | 3 | 0 | $749,900 | $625,000 |
| The Meadows At Martin Downs | 3 | 0 | $425,000 | $375,000 |
| Palm City Amended | 2 | 0 | $2,375,000 | $1,150,000 |
| Lighthouse Point | 2 | 0 | $1,549,499 | $1,399,999 |
| Highlands Reserve | 2 | 0 | $637,000 | $600,000 |
| Harbour Ridge Yacht & Country Club - Bayhead Villa | 2 | 0 | $349,450 | $299,000 |
| Villas At Sunset Trace At Martin Downs (Aka Martin | 2 | 0 | $277,450 | $274,900 |
| Pipers Landing Garden Apartments Condo | 2 | 0 | $149,000 | $119,000 |
| Greenridge Estates | 1 | 0 | $3,590,000 | $3,590,000 |
| Meadow Run | 1 | 0 | $3,100,000 | $3,100,000 |
| Hideaway Isles | 1 | 0 | $2,200,000 | $2,200,000 |
| Four Rivers | 1 | 0 | $1,945,000 | $1,945,000 |
| Cobblestone | 1 | 0 | $1,798,000 | $1,798,000 |
| Stuart West | 1 | 0 | $1,695,000 | $1,695,000 |
| Palm City Farms | 1 | 0 | $1,475,000 | $1,475,000 |
| Harbour Ridge Plat No 1 | 1 | 0 | $1,395,888 | $1,395,888 |
| Mid-Rivers; Evergreen | 1 | 0 | $1,295,000 | $1,295,000 |
| Hidden River Unrecorded | 1 | 0 | $1,199,900 | $1,199,900 |
| Mid-Rivers Yacht And Country Club (Aka Evergreen C | 1 | 0 | $1,129,000 | $1,129,000 |
| Cleveland | 1 | 0 | $1,099,000 | $1,099,000 |
| Hideaway Isles | 1 | 0 | $849,999 | $849,999 |
| Martin Downs Plat No 28 (Aka Monarch Country Club) | 1 | 0 | $799,900 | $799,900 |
| Harbour Pointe | 1 | 0 | $779,900 | $779,900 |
| Islesworth | 1 | 0 | $739,000 | $739,000 |
| Danforth | 1 | 0 | $700,000 | $700,000 |
| Meadows Prcl 51 Md 42 | 1 | 0 | $619,888 | $619,888 |
| Heronwood | 1 | 0 | $585,000 | $585,000 |
| Pipers Landing | 1 | 0 | $550,000 | $550,000 |
| Martin Downs Plat No 20 (Aka Monarch Country Club) | 1 | 0 | $505,000 | $505,000 |
| Magnolia Ridge Of Palm Ci | 1 | 0 | $499,000 | $499,000 |
| Monarch | 1 | 0 | $499,000 | $499,000 |
| Charter Club At Martin Downs | 1 | 0 | $479,000 | $479,000 |
| The Meadows At Martin Dow | 1 | 0 | $450,000 | $450,000 |
| La Mariposa | 1 | 0 | $439,000 | $439,000 |
| Bay Haven Condo | 1 | 0 | $395,000 | $395,000 |
| Harbour Ridge | 1 | 0 | $360,000 | $360,000 |
| Harbour Ridge Y&Cc - South Shore Village | 1 | 0 | $299,900 | $299,900 |
| Stamford At Sunset Trace (Aka Martin Downs Plat 36 | 1 | 0 | $279,000 | $279,000 |
| Sunset Trace At Martin Downs (Aka Martin Downs Pla | 1 | 0 | $210,000 | $210,000 |
| Pine Ridge At Martin Downs Condo | 1 | 0 | $179,000 | $179,000 |
| Harbour Ridge Y&Cc/Mile Lake Village | 1 | 0 | $135,000 | $135,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Palm City?
What do waterfront homes cost in Palm City?
Which Palm City community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Palm City
Live data: BeachesMLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Palm City, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.