1286 SW TROPICAL TERRACE, STUART, FL, 34997
Active252 days on marketListed Nov 23, 2025MLS #D6144866
About this home
1286 SW TROPICAL TERRACE
This home has many possibilities. There is a one-bedroom mobile home and CBS dwelling with office, bath, kitchenette, garage and a large concrete pad. There is a 12 X 12 CBS utility room which has the washer and dryer and storage. Just think of the possibilities. This property is located near Kanner Hwy. as well as access to interstate 95 and in a few years close to the new international airport.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
504
Sqft
0.17 ac
Lot size
1
Garage
1977
Year built
One
Levels
$526
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 — not generic estimates.
$1,958 /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
$1,958/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.
$/sqft vs Stuart actives
$526 vs $265
Days on market
252 vs 94 typical
Where $526/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 Sunshine Parkway Manor
Get to know Stuart. See the full Stuart guide →
Sunshine Parkway Manor — neighborhood snapshot
Population
470
Median age
53
Median income
$62,193
Median home value
$432,800
Avg household
3
Households w/ children
29%
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 32% below the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 1286 SW TROPICAL TERRACE
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$230,000
2733 SW Thunderbird Trail, Stuart FL 34997
2 bd · 2 ba · 1,040 sqft · $221/sqft · 166 DOM
Sold · Jun ’26$360,000
121 SE Paradise Place, Stuart FL 34997
2 bd · 2 ba · 1,188 sqft · $303/sqft · 20 DOM
Sold · Jun ’26$400,000
7921 SE Paradise Drive, Stuart FL 34997
3 bd · 2 ba · 1,200 sqft · $333/sqft · 24 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 1286 SW TROPICAL TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1286 SW TROPICAL TERRACE — 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
1286 SW TROPICAL TERRACE FAQs
What would the monthly payment be for 1286 SW TROPICAL TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,958/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 1286 SW TROPICAL TERRACE?+
The most recent tax bill on record (2024) was $1,454. 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 1286 SW TROPICAL TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $265,000, this home is priced right at the Stuart median.
Which schools are assigned to 1286 SW TROPICAL TERRACE?+
Crystal Lake Elementary School (elementary), Dr. David L. Anderson Middle School (middle), South Fork 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
01Under the STUART 34997 market on paper
$265,000 is 32% below the STUART 34997 median of $389,000.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
252 days on market against a Stuart median of 94 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Crystal Lake Elementary School, Dr. David L. Anderson Middle School, South Fork High School — Crystal Lake Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KEY REALTY, INC. · Gary Miller. MLS #D6144866.
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 Stellar MLS.
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