1950 SW Palm City Road # 304, Stuart FL 34994, STUART, FL, 34994
Active46 days on marketListed Jun 29, 2026MLS #B26046730
About this home
1950 SW Palm City Road # 304, Stuart FL 34994
This beautiful riverfront 3rd floor condo offers 228 more square footage than the average 2/2 condo including extra storage. Amazing views from the kitchen, main living area and master bedroom. Owner expanded the living area without compromising the view or ability to open the impact glass doors for a breeze. Circle Bay offers a Resort Lifestyle featured in the photo's. Near the Stuart downtown village for dining and entertainment. If you are a boater, dock your boat for only $2.00 a foot! One member must be at least 55.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,236
Sqft
0 ac
Lot size
1982
Year built
1
Levels
$307
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.
$3,857 /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
$3,857/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
+82.8%
$/sqft vs Stuart actives
$307 vs $266
Days on market
46 vs 66 typical
Where $307/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 Circle Bay
Get to know Stuart. See the full Stuart guide →
Circle Bay — neighborhood snapshot
Population
681
Median age
69
Median income
$116,000
Median home value
$340,500
Avg household
2
Households w/ children
33%
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)
41 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 111% above the STUART 34994 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 1950 SW Palm City Road # 304
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$239,000
1950 SW Palm City Road # 6204, Stuart FL 34994 · same community
1 bd · 1.5 ba · 984 sqft · $243/sqft · 12 DOM
Sold · Apr ’26$210,000
325 SW Manor Dr, Stuart FL 34994
1 bd · 2 ba · 1,204 sqft · $174/sqft · 37 DOM
Sold · Jun ’26$183,500
1811 SW Palm City Road # A202, Stuart FL 34994
2 bd · 2 ba · 1,188 sqft · $154/sqft · 59 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 1950 SW Palm City Road # 304 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1950 SW Palm City Road # 304 — 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
1950 SW Palm City Road # 304 FAQs
What would the monthly payment be for 1950 SW Palm City Road # 304, Stuart FL 34994?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,857/mo — principal and interest, the actual property-tax bill, the $794/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 1950 SW Palm City Road # 304, Stuart FL 34994?+
The association fee works out to $794 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1950 SW Palm City Road # 304, Stuart FL 34994?+
The most recent tax bill on record (2025) was $5,971. 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 1950 SW Palm City Road # 304, 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 $380,000, this home is listed about 12% below the Stuart median of $431,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1950 SW Palm City Road # 304, Stuart FL 34994?+
Stuart Middle School (middle), J. D. Parker School Of Technology (elementary), Jensen Beach High School (high) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$380,000 runs 111% above the STUART 34994 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $794/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Stuart Middle School, J. D. Parker School Of Technology, Jensen Beach High 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®.
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