4490 NE Indian River Drive, Jensen Beach FL 34957, JENSEN BEACH, FL, 34957
Active158 days on marketListed Mar 11, 2026MLS #B26001948
About this home
4490 NE Indian River Drive, Jensen Beach FL 34957
Welcome home to the best of Indian River living where over 100' of pristine, ocean-access shoreline creates an extraordinary coastal escape. This renovated home boasts a nod to Old Florida design! Each room is a comforting, peaceful retreat, with stunning views of your large private beach on the Indian River with new coquina rock seawall protection. The versatile layout offers a rare opportunity: the rear portion of the home can function as a complete, private in-law suite or income-producing Airbnb. Outdoor living shines here. Enjoy gentle river breezes from screened porches, covered patios, open-air terraces, and outdoor shower. Unwind in your backyard serene Zen garden or relax beachfront as the sun rises over the river in your front yard. Witness sunrises, dolphins, pelican and loads of fish...a rare waterfront property blending historic charm, privacy, flexibility, and true Florida beauty.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,054
Sqft
1.74 ac
Lot size
1947
Year built
1
Levels
$484
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 — not generic estimates.
$6,641 /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
$6,641/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 Jensen Beach actives
$484 vs $345
Days on market
158 vs 75 typical
Where $484/sqft sits among the 170 Jensen Beach 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 Gaines Estates
Get to know Jensen Beach. See the full Jensen Beach guide →
Gaines Estates — neighborhood snapshot
Population
993
Median age
53
Median income
$18,711
Median home value
$337,728
Avg household
2
Households w/ children
82%
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Jensen Beach market
$476K → $475K
Jensen Beach median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
11 of 170
Jensen Beach actives have cut their price
Median sold price, Jensen Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 271% above the JENSEN BEACH 34957 median. See the full Jensen Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 4490 NE Indian River Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$685,000
1614 NE White Pine Terrace, Ocean Breeze FL 34957
4 bd · 2 ba · 1,811 sqft · $378/sqft · 8 DOM
Sold · Jul ’26$560,000
1554 NE White Pine Terrace, Ocean Breeze FL 34957
4 bd · 2 ba · 1,752 sqft · $320/sqft · 38 DOM
Sold · Jan ’26$342,500
894 NE Sandalwood Pl, Jensen Beach FL 34957
3 bd · 3 ba · 1,538 sqft · $223/sqft · 179 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 4490 NE Indian River Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4490 NE Indian River Drive — 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
4490 NE Indian River Drive FAQs
What would the monthly payment be for 4490 NE Indian River Drive, Jensen Beach FL 34957?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,641/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4490 NE Indian River Drive, Jensen Beach FL 34957?+
The most recent tax bill on record (2025) was $8,862. 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 4490 NE Indian River Drive, Jensen Beach FL 34957?+
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 Jensen Beach?+
At $995,000, this home is listed about 121% above the Jensen Beach median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4490 NE Indian River Drive, Jensen Beach FL 34957?+
Jensen Beach Elementary School (elementary), Jensen Beach High School (high), Stuart Middle School (middle) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$995,000 runs 271% above the JENSEN BEACH 34957 median — but at 2,054 sqft it's also 58% larger than the typical Jensen Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
158 days on market against a Jensen Beach median of 75 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Jensen Beach Elementary School, Jensen Beach High School, Stuart Middle School — Jensen Beach Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,039,000, now $995,000 — a $44K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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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