3051 SW Otter Lane, Stuart FL 34997, STUART, FL, 34997
Active75 days on marketListed May 19, 2026MLS #B26031347
About this home
3051 SW Otter Lane, Stuart FL 34997
Step into your dream home in the serene River Marina community. This beautiful, solid CBS 3-bedroom, 2.5-bathroom townhouse features a one-car garage and a peaceful preserve view. The main level boasts elegant tile flooring, while the chef-inspired kitchen delights with granite counters, stainless steel appliances, a walk-in pantry, and a spacious island—perfect for entertaining. Upstairs, all three bright bedrooms invite natural light, with a spacious master suite offering a large walk-in closet, preserve views, and a luxurious en-suite bath with double sinks, a soaking tub, and a large walk-in shower. Enjoy the community pool, playground, and convenient access to shopping, dining, schools, and major highways. NO RENTAL waiting period and LOW HOA. Don't miss out—schedule your tour today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,542
Sqft
0.04 ac
Lot size
1
Garage
2015
Year built
2
Levels
$207
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.
$2,665 /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
$2,665/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
−10.7%
$/sqft vs Stuart actives
$207 vs $266
Days on market
75 vs 94 typical
Where $207/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 River Marina
Get to know Stuart. See the full Stuart guide →
River Marina — neighborhood snapshot
Population
467
Median age
51
Median income
$79,929
Median home value
$312,000
Avg household
2
Households w/ children
49%
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 18% below the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 3051 SW Otter Lane
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$575,000
8587 SW 18th Avenue, Stuart FL 34997
3 bd · 3 ba · 1,586 sqft · $363/sqft · 4 DOM
Sold · Jul ’26$475,000
2565 SW Riviera Road, Stuart FL 34997
3 bd · 2 ba · 1,485 sqft · $320/sqft · 37 DOM
Sold · Jun ’26$310,000
9506 SW Purple Martin Way, Stuart FL 34997
2 bd · 2.5 ba · 1,608 sqft · $193/sqft · 295 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 3051 SW Otter Lane — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3051 SW Otter Lane — 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
3051 SW Otter Lane FAQs
What would the monthly payment be for 3051 SW Otter Lane, Stuart FL 34997?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,665/mo — principal and interest, the actual property-tax bill, the $137/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 3051 SW Otter Lane, Stuart FL 34997?+
The association fee works out to $137 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3051 SW Otter Lane, Stuart FL 34997?+
The most recent tax bill on record (2025) was $4,116. 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 3051 SW Otter Lane, 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 $319,900, this home is listed about 21% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3051 SW Otter Lane, Stuart FL 34997?+
Crystal Lake Elementary School (elementary), South Fork High School (high), Dr. David L. Anderson Middle School (middle) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the STUART 34997 market on paper
$319,900 is 18% below the STUART 34997 median of $389,000, and at $207/sqft it sits under the Stuart average of $375.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Crystal Lake Elementary School, South Fork High School, Dr. David L. Anderson Middle School — Crystal Lake Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $330,000, now $319,900 — a $10K 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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