4860 WATERSONG WAY, FORT PIERCE, FL, 34949
Active89 days on marketListed May 6, 2026MLS #N6144243
About this home
4860 WATERSONG WAY
Breathtaking Oceanfront 5-bedroom home. Incredible views from this Beautiful custom-designed Key West home, located on South Hutchinson Island in the gated, Direct Ocean community of Watersong. The home has 4 en-suite bedrooms each with a full bath. The Owners Suite enjoys two large walk-in closets, a spacious bath with stunning views of the Atlantic Ocean. Multiple covered terraces and entertaining areas. Elevator to all three levels. Plank tile throughout. Club room with built-in bar. Community pool and beach cabana. Additional lot available for sale offers privacy and long term value. Package price for home and additional lot $4,650,000. Floor plan attached. Be sure to watch the video!
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
4,436
Sqft
0.24 ac
Lot size
2
Garage
2019
Year built
Three Or More
Levels
$823
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.
$25,219 /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
$25,219/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.
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 Fort Pierce actives
$823 vs $209
Days on market
89 vs 68 typical
Where $823/sqft sits among the 399 Fort Pierce 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 Watersong, 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
$3,450/mo median
Live Fort Pierce rental listing data — this home’s rate depends on size, condition and furnishing.
The Davenport short-term market
▼ Softening46%
Occupancy
▼ 35% yr/yr
$302
Avg nightly rate
▲ 16% yr/yr
$31K/yr
Revenue per listing
$138
RevPAR
70 days
Booking lead time
5.9 nights
Avg stay
3
Typical min nights
3,730
Active rentals
▲ 7% supply
Seasonality — monthly occupancy
Peaks at 55% in Mar · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Davenport — the projection above is specific to this home’s size.
Where it sits
Inside Watersong
Watersong is a short-term-rental community. See the full guide →
FORT PIERCE 34949 — neighborhood snapshot
Population
7,567
Median age
65.7
Median income
$92,188
Median home value
$427,500
Avg household
1.79
Households w/ children
95%
For the school run
St. Lucie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Pierce market
$270K → $185K
Fort Pierce median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
53 of 399
Fort Pierce actives have cut their price
Median sold price, Fort Pierce, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 900% above the FORT PIERCE 34949 median. See the full Fort Pierce market guide →
Paper trail
This home's history
Reality check
What actually sold near 4860 WATERSONG WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$3,500,000
Nearby listing
4 bd · 5.5 ba · 3,911 sqft · $895/sqft · 417 DOM
Sold · Jun ’26$3,750,000
4356 Diamond Shores Way, Hutchinson Island FL 34949
4 bd · 5.5 ba · 3,911 sqft · $959/sqft · 227 DOM
Sold · Dec ’25$3,650,000
Nearby listing
4 bd · 5.5 ba · 3,911 sqft · $933/sqft · 179 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 4860 WATERSONG WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4860 WATERSONG 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
4860 WATERSONG WAY FAQs
What would the monthly payment be for 4860 WATERSONG WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $25,219/mo — principal and interest, the actual property-tax bill, the $447/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 4860 WATERSONG WAY?+
The association fee works out to $447 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4860 WATERSONG WAY?+
The most recent tax bill on record (2025) was $42,580. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4860 WATERSONG WAY be rented short-term?+
Yes — this home sits inside Watersong, 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 4860 WATERSONG WAY?+
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 Fort Pierce?+
At $3,650,000, this home is listed about 985% above the Fort Pierce median of $336,490. The market section on this page shows how the area is trending.
Which schools are assigned to 4860 WATERSONG WAY?+
St. Lucie Elementary School (elementary), Dan McCarty Middle School (middle), Treasure Coast High School (high), Lakewood Park Elementary School (elementary) — St. Lucie County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$3,650,000 runs 900% above the FORT PIERCE 34949 median — but at 4,436 sqft it's also nearly 3 times the size of the typical Fort Pierce listing.
02Zoned for nightly rentals
Watersong 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.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBY'S INTERNATIONAL RE · Jim Sweat. MLS #N6144243.
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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