5592 SE Reef Way, Stuart FL 34997, STUART, FL, 34997
Active69 days on marketListed May 15, 2026MLS #B26028952
About this home
5592 SE Reef Way, Stuart FL 34997
Welcome to your own tropical paradise in the gated community of The Reef. Spectacular British West Indies style home with attention to detail throughout. Upgrades galore including travertine marble floors, vaulted ceilings, crown molding, plantation shutters, gourmet kitchen with high end appliances and a gas fireplace. Oversized 3 car garage 800 sq ft. A private outdoor oasis includes a heated pool and spa, tiki hut with bar, outdoor shower, generator, and lush landscaping. Balconies allow for great outdoor living and tropical breezes from the ocean and intracoastal. Community has a kayak launch, tennis and pickleball and low HOA.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,210
Sqft
0.37 ac
Lot size
3
Garage
2003
Year built
2
Levels
$436
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.
$9,504 /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
$9,504/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.
Where it sits
Inside Reef
Get to know Stuart. See the full Stuart guide →
Reef — neighborhood snapshot
Population
776
Median age
56
Median income
$99,038
Median home value
$491,900
Avg household
3
Households w/ children
71%
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)
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 260% above the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
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 5592 SE Reef Way — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5592 SE Reef 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
5592 SE Reef Way FAQs
What would the monthly payment be for 5592 SE Reef Way, Stuart FL 34997?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,504/mo — principal and interest, the actual property-tax bill, the $100/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 5592 SE Reef Way, Stuart FL 34997?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5592 SE Reef Way, Stuart FL 34997?+
The most recent tax bill on record (2025) was $13,979. 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 5592 SE Reef Way, 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 $1,400,000, this home is listed about 428% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5592 SE Reef Way, Stuart FL 34997?+
Port Salerno Elementary School (elementary), Murray Middle School (middle), South Fork High School (high) — Martin County School District. Always verify school assignments with the district before relying on them.
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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