815 NW Flagler Ave # 305, Stuart FL 34994, STUART, FL, 34994
Active86 days on marketListed May 9, 2026MLS #A12011556
About this home
815 NW Flagler Ave # 305, Stuart FL 34994
Experience Elevated Waterfront Living on the St. Lucie River in this Beautiful 3 bedroom 2 Bathroom Waterfront Home at Harborage Yacht Club. Fisherman's Paradise, with NO Fixed Bridges and a short 15 min Boat Ride to the St. Lucie Inlet, the Sailfish Capital of the World. Enjoy not only the Breathtaking Expansive Water and Marina views, but also, the Stunning Sunrises and Spectacular Sunset views from your OverSized wrap-around balcony. Inside, the Thoughtfully Upgraded Interior Features Tile Flooring, a Modern Kitchen Appointed with Granite Countertops, European-Style Cabinetry, and Stainless Steel Appliances. The Spacious Primary Bedroom Showcases Stunning Water Views, a Large Bathroom with Dual Sinks and Separate Shower and Bath tub. The Additional Bedrooms are Spacious and Accommodating, and can offer the Flexibility for a Home Office, or Den. Come Experience Exceptional Resort-Style Living with Two pools, a Hot Tub, Fitness Center, Sauna, Clubhouse, with a Poolside Cafe and Bar, tons of Social Activities, and On-Site Dining on the Second Floor. Situated Directly Across from Downtown Stuart, Just a Short Boat Ride or few Minuets Drive, from Multiple Acclaimed Restaurants, Boutique Shopping, Renowned Theater, and Waterfront Entertainment. Bring your Pets, as there are No Pet Restrictions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,393
Sqft
1
Garage
2006
Year built
$408
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,727 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,727/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Stuart actives
$408 vs $265
Days on market
86 vs 94 typical
Where $408/sqft sits among the 400 Stuart actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Harborage
Get to know Stuart. See the full Stuart guide →
Harborage — neighborhood snapshot
Population
167
Median age
51
Median income
$112,155
Median home value
$463,000
Avg household
2
Households w/ children
16%
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$220K → $1.0M
Stuart median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
42 of 400
Stuart actives have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 216% above the STUART 34994 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 815 NW Flagler Ave # 305
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$569,000
Nearby listing · same community
3 bd · 2 ba · 1,393 sqft · $408/sqft · 8 DOM
Sold · Aug ’25$500,000
275 NW Flagler Avenue # 204, Stuart FL 34994 · same community
3 bd · 2 ba · 1,391 sqft · $359/sqft · 4 DOM
Sold · May ’26$430,000
675 NW Flagler Avenue # 303, Stuart FL 34994 · same community
2 bd · 2 ba · 1,264 sqft · $340/sqft · 142 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 815 NW Flagler Ave # 305 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 815 NW Flagler Ave # 305 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
815 NW Flagler Ave # 305 FAQs
What would the monthly payment be for 815 NW Flagler Ave # 305, Stuart FL 34994?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,727/mo — principal and interest, the actual property-tax bill, the $1,672/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 815 NW Flagler Ave # 305, Stuart FL 34994?+
The association fee works out to $1,672 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 815 NW Flagler Ave # 305, Stuart FL 34994?+
The most recent tax bill on record (2025) was $7,331. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 815 NW Flagler Ave # 305, Stuart FL 34994?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Stuart?+
At $569,000, this home is listed about 115% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 815 NW Flagler Ave # 305, Stuart FL 34994?+
Felix A Williams Elementary School (elementary), Stuart Middle School (middle), Jensen Beach High School (high) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$569,000 runs 216% above the STUART 34994 median — but at 1,393 sqft it's also 38% larger than the typical Stuart listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,672/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Felix A Williams Elementary School, Stuart Middle School, Jensen Beach High School — Felix A Williams Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Water Vista Realty, Inc. · Angela Cloud. MLS #A12011556.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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