David Ramirez
$1,208,900$1,279,9004 bd4.5 ba2,855 sqft$423 /sqft$7,241 /mo all-in ↓

432 NW North River Drive, Stuart FL 34994, STUART, FL, 34994

Active130 days on marketListed Mar 23, 2026MLS #B26006604

Reduced $71KNew constructionSingle Family ResidenceRIVERSIDE PARK

About this home

432 NW North River Drive, Stuart FL 34994

Move-in Ready | New Construction | No HOA | New, move-in ready, and loaded with thoughtful details, The Bayshore Home offers new construction without the wait or the hassle of remodeling in Stuart, Florida. Just a short distance from the Saint Lucie River in an established neighborhood, this courtyard-style residence features four bedrooms and four-and-a-half baths arranged to balance open gathering areas with private retreats. The main-level owner's suite allows for convenient single-story living within the two-story floor plan and opens directly to a private courtyard that extends the living space outdoors. Its bath includes a freestanding soaking tub, separate shower, accent tile, Cambria quartz countertops, and a custom built-in closet system designed for everyday use. At the heart of the home, the kitchen is equipped with a full GE Café appliance suite, including a 36-inch induction cooktop with ventilation hood, double wall ovens, a wine chiller, a built-in microwave drawer, and a stainless farmhouse sink with a Moen pull-down faucet set in a generous quartz-topped island. Three sets of 10-foot sliding glass doors connect the living room, dining area, and owner's suite to the central courtyard, creating an easy indoor-outdoor flow and bringing in natural light. From the dining room, French doors open onto a side porch with a partial water view, and a covered front porch provides another comfortable outdoor sitting area for relaxing or greeting guests. Upstairs, a spacious loft provides flexible space for work, relaxation, or hobbies, along with three additional bedrooms and their accompanying baths. Wood flooring extends through the great room, kitchen, dining room, owner's suite, stairs, and loft, while impact windows and doors enhance durability and peace of mind. The laundry room includes a GE front-load washer and dryer with a steam feature and a utility sink, and the oversized two-car garage has durable epoxy flooring and high ceilings for additional storage opportunities. Premium Kichler lighting, professional landscaping, and an irrigation system complete the home. The Bayshore Home is located near the newly updated Oleander Park and close to the Saint Lucie River, with downtown Stuart's dining, shopping, and recreation just a short drive away. There are no HOA fees or related restrictions. Some listing photos have been virtually staged with digital furniture and décor to help illustrate how the spaces may be furnished; these images do not represent the property's current condition, and original unstaged photos are available upon request.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

2,855

Sqft

2

Garage

2026

Year built

2

Levels

$423

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile · Wood
AppliancesElectric Water Heater · Dishwasher · Disposal · Dryer · Microwave · Electric Range · Refrigerator · Self Cleaning Oven · Wall Oven · Washer
InteriorBuilt-in Features · Closet Cabinetry · Cooking Island · French Doors · Laundry Tub · Pantry · Roman Tub · Split Bedroom · Volume Ceilings · Walk-In Closet(s) · Great Room · Loft · Utility Room · Utility Room/Laundry
LaundryLaundry Tub · Laundry Room · Utility Room/Laundry · Washer Hookup
CoolingCeiling Fan(s) · Central Air · Electric · Zoned
HeatingCentral · Electric

Outside & construction

RoofTile · Concrete · Tile Roof
ConstructionCBS Construction · Metal Construction · Slab Construction · Stucco
FacesWest
Parking2 Or More Spaces · Open · Parking Garage
ExteriorWest Of Us1 · Courtyard

Community & fees

Taxes (2025)$1,252/yr
PetsYes
CommunityPaved Road

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Cable Available · Electricity Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,241 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,523
PMI (est., until 20% equity)$453
Property tax — 2025 actual bill$104
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,890Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $120,890
Interest rate6.00%
Loan term

Estimated payment

$7,241/mo

Principal & interest$6,523
PMI (est., until 20% equity)$453
Property taxes (actual bill)$104
Est. insurance$160

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 RIVERSIDE PARK

$423 vs $525

Days on market

130 vs 94 typical

Where $423/sqft sits among the 11 homes for sale in RIVERSIDE PARK

6 · this home
2
1
1
0
1
$249–558$558–867$867–1176$1176–1484$1484–1793$1793+

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 Bahama Terrace

Map of 432 NW North River Drive, Stuart FL 34994 inside its neighborhood boundary

Get to know Stuart. See the full Stuart guide →

Bahama Terrace — neighborhood snapshot

Population

844

Median age

41

Median income

$80,084

Median home value

$471,397

Avg household

3

Households w/ children

86%

For the school run

Martin County School District

ElementaryFelix A Williams Elementary School★★★★
MiddleStuart Middle School★★★★★
HighJensen Beach High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Stuart market

Seller’s marketSeller’s market2.6 months of inventoryBuyer’s market

$220K$1.0M

Stuart median sold, yr/yr

94.2%

Sale-to-list ratio (12 mo)

2 of 11

RIVERSIDE PARK have cut their price

Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 572% above the STUART 34994 median. See the full Stuart market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,208,900 $71K
Mar 23, 2026Listed at $1,279,900 · 130 days on market since
2026Built · RIVERSIDE PARK

Reality check

What actually sold near 432 NW North River Drive

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

824 35TH AVENUE DRIVE WSold · Nov ’25

$465,000

824 35TH AVENUE DRIVE W · same community

4 bd · 3 ba · 2,450 sqft · $190/sqft · 164 DOM

382 RIVERSIDE DRIVESold · Mar ’26

$1,200,000

382 RIVERSIDE DRIVE · same community

4 bd · 4 ba · 2,428 sqft · $494/sqft · 43 DOM

530 SW 11th Avenue, Fort Lauderdale FL 33312Sold · Jun ’26

$1,300,000

530 SW 11th Avenue, Fort Lauderdale FL 33312 · same community

3 bd · 2 ba · 1,541 sqft · $844/sqft · 110 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 432 NW North River Drive — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 432 NW North 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.

Goes straight to David’s phone and CRM.

Straight answers

432 NW North River Drive FAQs

What would the monthly payment be for 432 NW North River Drive, Stuart FL 34994?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,241/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 432 NW North River Drive, Stuart FL 34994?+

The most recent tax bill on record (2025) was $1,252. 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 432 NW North River Drive, 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 $1,208,900, this home is listed about 356% above the Stuart median of $265,000. The market section on this page shows how the area is trending.

Which schools are assigned to 432 NW North River Drive, 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

Three things that matter here

01Positioned at the premium end

$1,208,900 runs 572% above the STUART 34994 median — but at 2,855 sqft it's also nearly 3 times the size of the typical Stuart listing.

02Strong 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.

03The price has already moved

Listed at $1,279,900, now $1,208,900 — a $71K cut. The full history is in the market section below.

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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