1225 NW 21st Street # 314, Stuart FL 34994, STUART, FL, 34994
Active63 days on marketListed Jun 10, 2026MLS #B26039519
About this home
1225 NW 21st Street # 314, Stuart FL 34994
Discover this spacious second-floor 2-bedroom, 2-bathroom condo, a tucked-away gem in a 55+ community just off US-1 in Stuart. Ideally located near the Treasure Coast Mall, shopping, dining, and charming downtown Stuart, this well-maintained residence offers comfort, convenience, and beautiful western-facing sunset views from the lanai. The desirable A-unit floor plan features two sliding glass doors opening to the lanai, creating an abundance of natural light and seamless indoor-outdoor living. Inside, you'll find tile flooring throughout, a new A/C installed in December 2024, and stainless steel refrigerator and dishwasher approximately four years old. The primary bathroom has been freshly painted, and the guest bathroom features a newer toilet installed just one year ago. The monthly HOA fee of $504.06 provides exceptional value, covering roof and exterior maintenance, basic cable through a bulk community account, water, sewer, and trash services—making for easy, low-maintenance Florida living. Whether you're seeking a full-time residence, seasonal retreat, or investment opportunity, this inviting condo offers the perfect blend of location, lifestyle, and peace of mind.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
0 ac
Lot size
1975
Year built
1
Levels
$134
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.
$1,699 /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
$1,699/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
−43.1%
$/sqft vs Stuart actives
$134 vs $266
Days on market
63 vs 66 typical
Where $134/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.
The investor lens
Two ways this home pays
This home sits inside Vista Del Lago, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,750/mo median
Live Stuart rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Vista Del Lago
Vista Del Lago is a short-term-rental community. See the full guide →
Vista Del Lago — neighborhood snapshot
Population
524
Median age
64
Median income
$54,639
Median home value
$186,800
Avg household
2
Households w/ children
64%
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)
40 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 23% below the STUART 34994 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 1225 NW 21st Street # 314
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$170,000
1225 NW 21 Street # 1114, Stuart FL 34994 · same community
2 bd · 2 ba · 962 sqft · $177/sqft · 279 DOM
Sold · Oct ’25$80,500
800 NW FORK ROAD UNIT 2-11
2 bd · 2 ba · 1,068 sqft · $75/sqft · 41 DOM
Sold · Oct ’25$347,000
2319 NW Sunset Blvd, Jensen Beach FL 34957
2 bd · 1 ba · 1,116 sqft · $311/sqft · 41 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 1225 NW 21st Street # 314 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1225 NW 21st Street # 314 — 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
1225 NW 21st Street # 314 FAQs
What would the monthly payment be for 1225 NW 21st Street # 314, Stuart FL 34994?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,699/mo — principal and interest, the actual property-tax bill, the $504/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 1225 NW 21st Street # 314, Stuart FL 34994?+
The association fee works out to $504 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1225 NW 21st Street # 314, Stuart FL 34994?+
The most recent tax bill on record (2025) was $1,864. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 1225 NW 21st Street # 314, Stuart FL 34994 be rented short-term?+
Yes — this home sits inside Vista Del Lago, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 1225 NW 21st Street # 314, Stuart FL 34994?+
The listing reports pets: No, 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 $139,000, this home is listed about 68% below the Stuart median of $431,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1225 NW 21st Street # 314, Stuart FL 34994?+
Jensen Beach High School (high), Felix A Williams Elementary School (elementary), Stuart Middle School (middle) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the STUART 34994 market on paper
$139,000 is 23% below the STUART 34994 median of $179,950, and at $134/sqft it sits under the Stuart average of $347.
02Zoned for nightly rentals
Vista Del Lago is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
04Know the monthly fee
The association fee is $504/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Strong assigned schools
Jensen Beach High School, Felix A Williams Elementary School, Stuart Middle School — Jensen Beach High School rates 4 of 5. Always verify assignments with the district.
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®.
Never miss a listing
New Stuart homes, in your inbox
Like 1225 NW 21st Street # 314, Stuart FL 34994 but not quite? A daily digest of every new listing in Stuart — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →