185 SE Birch Terrace, Stuart FL 34997, STUART, FL, 34997
Active128 days on marketListed Mar 18, 2026MLS #B26003959
About this home
185 SE Birch Terrace, Stuart FL 34997
Fullerton II Townhome - Farmhouse Design with Lake Views Step into this beautifully crafted Fullerton II townhome, where modern farmhouse style shines throughout and tranquil lake views create a serene and inviting atmosphere. The inviting foyer welcomes you with a stunning feature wall, leading into open-concept living spaces that create a seamless flow for hosting and relaxation. The gourmet kitchen is beautifully appointed with Brellin Greyhound cabinetry, Arctic White quartz countertops, built-in wall ovens, and a large corner pantry—perfectly designed for both everyday living and entertaining. Upstairs, a convenient laundry room includes a washer and dryer for added ease. The private primary suite offers a spacious retreat, complete with a generous walk-in closet complete with a generous walk-in closet and a well-appointed en-suite bath. A versatile loft provides additional space for leisure activities, a home office, or media area, with integrated home automation enhancing convenience and modern living. Step outside to the patio—ideal for enjoying time with friends or simply relaxing while overlooking the lake. An attached 2-car garage offers ample space for vehicles and storage. This Fullerton II blends style, comfort, and scenic views into one exceptional home.
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
$276
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.
$3,770 /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
$3,770/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
+9.1%
$/sqft vs Stuart actives
$276 vs $265
Days on market
128 vs 94 typical
Where $276/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
$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 46% above the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 185 SE Birch Terrace
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 185 SE Birch Terrace — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 185 SE Birch Terrace — 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
185 SE Birch Terrace FAQs
What would the monthly payment be for 185 SE Birch Terrace, Stuart FL 34997?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,770/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 185 SE Birch Terrace, 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 185 SE Birch Terrace, Stuart FL 34997?+
The most recent tax bill on record (2025) was $781. 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 185 SE Birch Terrace, 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 $567,018, this home is listed about 114% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 185 SE Birch Terrace, 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
$567,018 runs 46% above the STUART 34997 median — but at 2,057 sqft it's also nearly twice the size of 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.
03The price has already moved
Listed at $579,014, now $567,018 — a $12K 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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