194 SE Birch Terrace # 0316, Stuart FL 34997, STUART, FL, 34997
Active138 days on marketListed Mar 18, 2026MLS #B26003919
About this home
194 SE Birch Terrace # 0316, Stuart FL 34997
Fullerton II Townhome - Farmhouse Style with Modern Upgrades 2,057 Sq Ft | 2 Stories | 3 Bedrooms | 2.5 Bathrooms | 2-Car Garage Step into the beautifully designed Fullerton II townhome, where timeless Farmhouse style meets modern luxury. Matte black fixtures throughout the home create a striking, contemporary contrast that enhances every space. The gourmet kitchen is a true centerpiece, featuring Winstead Birch Quill cabinets, quartz countertops, and built-in wall ovens, along with premium finishes that make it perfect for both everyday living and entertaining. Distinctive feature walls in the foyer and primary suite add warmth and character, giving the home a unique designer touch. The open-concept dining area and great room create an inviting space for gatherings and relaxation, seamlessly extending to the outdoor patio—perfect for enjoying indoor-outdoor living. Upstairs, a versatile loft provides a second living area ideal for a media room, game space, or play area. Additional highlights include: - Second-floor laundry with GE washer and dryer included - Spacious primary suite retreat - State-of-the-art Home Technology Suite for modern smart living - 2-car garage This thoughtfully designed home offers the perfect blend of style, comfort, and functionality.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,057
Sqft
0.06 ac
Lot size
1
Garage
2024
Year built
2
Levels
$267
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.
$3,908 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,908/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+5.4%
$/sqft vs Stuart actives
$267 vs $265
Days on market
138 vs 67 typical
Where $267/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 Stuart
Get to know Stuart. See the full Stuart guide →
STUART 34997 — neighborhood snapshot
Population
45,947
Median age
53
Median income
$75,705
Median home value
$335,200
Avg household
2.36
Households w/ children
3,566
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
$640K → $446K
Stuart median sold, yr/yr
94.0%
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 41% above the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 194 SE Birch Terrace # 0316
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$497,615
128 SE Birch Terrace # 1579, Stuart FL 34997 · same community
3 bd · 2.5 ba · 2,057 sqft · $242/sqft · 56 DOM
Sold · Jun ’26$529,995
171 SE Birch Terrace # 740, Stuart FL 34997 · same community
3 bd · 2.5 ba · 2,057 sqft · $258/sqft · 47 DOM
Sold · Aug ’25$549,995
101 SE Birch Terrace # 1266, Stuart FL 34997 · same community
3 bd · 2.5 ba · 2,057 sqft · $267/sqft · 10 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 194 SE Birch Terrace # 0316 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 194 SE Birch Terrace # 0316 — 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
194 SE Birch Terrace # 0316 FAQs
What would the monthly payment be for 194 SE Birch Terrace # 0316, Stuart FL 34997?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,908/mo — principal and interest, the actual property-tax bill, the $273/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 194 SE Birch Terrace # 0316, Stuart FL 34997?+
The association fee works out to $273 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 194 SE Birch Terrace # 0316, Stuart FL 34997?+
The most recent tax bill on record (2025) was $1. 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 194 SE Birch Terrace # 0316, Stuart FL 34997?+
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 $548,995, this home is listed about 28% above the Stuart median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 194 SE Birch Terrace # 0316, Stuart FL 34997?+
Dr. David L. Anderson Middle School (middle), Pinewood Elementary School (elementary), Martin County High School (high) — Martin 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
$548,995 runs 41% above the STUART 34997 median — but at 2,057 sqft it's also 36% larger than the typical Stuart listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
138 days on market against a Stuart median of 67 — sellers in this position are usually ready to negotiate.
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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