5120 Watersong Way, Fort Pierce FL 34949, FORT PIERCE, FL, 34949
Active40 days on marketListed Jul 9, 2026MLS #A12050657
About this home
5120 Watersong Way, Fort Pierce FL 34949
Experience modern coastal luxury in this stunning 2021 custom-built oceanfront retreat located in the exclusive gated community of Watersong on South Hutchinson Island. This 4-bedroom, 3-bath residence with a den/office features a thoughtfully designed floor plan centered around a chef’s kitchen with premium cabinetry, professional-grade appliances, gas range, and an oversized island perfect for entertaining. Soaring ceilings, durable luxury vinyl flooring, and expansive hurricane-impact windows fill the home with natural light while showcasing breathtaking ocean views. The primary suite is a private coastal sanctuary featuring its own balcony overlooking the Atlantic, two oversized walk-in closets, and a spa-inspired bath with a soaking tub, expansive wet-room shower, and dual vanities. Wake up to spectacular sunrises over the ocean and unwind each evening with colorful sunsets over the Intracoastal. Outdoor living is designed for the ultimate island lifestyle, complete with an outdoor shower, hot tub, gas fireplace, workout area, and pass-through garage doors ideal for storing a midsize center console boat or multiple jet skis. An elevator provides easy access to all levels. The private, quiet community offers both security and serenity, along with a resort-style pool perfect for swimming laps or entertaining guests. Schedule your private tour today and start living the South Hutchinson Island lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,772
Sqft
3
Garage
2021
Year built
$1,006
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.
$19,536 /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
$19,536/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.
vs edgeAI estimate
+211.2%
$/sqft vs Fort Pierce actives
$1,006 vs $208
Days on market
40 vs 65 typical
Where $1,006/sqft sits among the 399 Fort Pierce 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.
The investor lens
Two ways this home pays
This home sits inside Watersong, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,399/mo median
Live Fort Pierce rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Watersong
Watersong is a short-term-rental community. See the full guide →
FORT PIERCE 34949 — neighborhood snapshot
Population
7,567
Median age
65.7
Median income
$92,188
Median home value
$427,500
Avg household
1.79
Households w/ children
95%
For the school run
St. Lucie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Pierce market
$515K → $301K
Fort Pierce median sold, yr/yr
94.7%
Sale-to-list ratio (12 mo)
38 of 399
Fort Pierce actives have cut their price
Median sold price, Fort Pierce, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 664% above the FORT PIERCE 34949 median. See the full Fort Pierce market guide →
Paper trail
This home's history
Reality check
What actually sold near 5120 Watersong Way
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$2,700,000
5128 Watersong WY, Fort Pierce FL 34949 · same community
3 bd · 4 ba · 3,149 sqft · $857/sqft · 84 DOM
Sold · Nov ’25$3,500,000
Nearby listing
4 bd · 5.5 ba · 3,911 sqft · $895/sqft · 417 DOM
Sold · Jun ’26$3,750,000
4356 Diamond Shores Way, Hutchinson Island FL 34949
4 bd · 5.5 ba · 3,911 sqft · $959/sqft · 227 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 5120 Watersong Way — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5120 Watersong Way — 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
5120 Watersong Way FAQs
What would the monthly payment be for 5120 Watersong Way, Fort Pierce FL 34949?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,536/mo — principal and interest, the actual property-tax bill, the $485/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 5120 Watersong Way, Fort Pierce FL 34949?+
The association fee works out to $485 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5120 Watersong Way, Fort Pierce FL 34949?+
The most recent tax bill on record (2025) was $33,480. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 5120 Watersong Way, Fort Pierce FL 34949 be rented short-term?+
Yes — this home sits inside Watersong, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
How does the price compare to other homes in Fort Pierce?+
At $2,790,000, this home is listed about 772% above the Fort Pierce median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5120 Watersong Way, Fort Pierce FL 34949?+
St. Lucie Elementary School (elementary), Dan McCarty Middle School (middle), Treasure Coast High School (high), Lakewood Park Elementary School (elementary) — St. Lucie County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$2,790,000 runs 664% above the FORT PIERCE 34949 median — but at 2,772 sqft it's also nearly twice the size of the typical Fort Pierce listing.
02Zoned for nightly rentals
Watersong is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
Keep looking
Similar homes nearby
Listing courtesy of Water Vista Realty, Inc. · Daniel Cloud Jr.. MLS #A12050657.
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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