5104 WATERSONG WAY, FORT PIERCE, FL, 34949
Active466 days on marketListed Apr 28, 2025MLS #O6302698
About this home
5104 WATERSONG WAY
BACK ON MARKET (due to no Short-Term Rentals allowed. 1mo+ lease minimum). MOTIVATED SELLER and can share examples of potential building plans! BEAUTIFUL views and soothing sounds on this OCEANFRONT and RIVER VIEW lot in gorgeous Hutchinson Island. This vacant lot in the quiet, gated community of Watersong, offers the rare opportunity to bring your coastal dream home to life. You are only one lot away from the private community beach walkway so have your toes in the sand within minutes or enjoy a short walk to the relaxing community pool. Whether it's sunrise coffee on your private balcony or sunset strolls along the shoreline, every day can feel like a vacation while also only being 2 hours south of THE Walt Disney World and all Orlando theme parks or 2 hours north of world renowned Miami. Welcome to the FL lifestyle!
Facts & features
The home at a glance
0.1 ac
Lot size
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.
$6,125 /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
$6,125/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.
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
$2,399/mo median
Live Fort Pierce rental listing data — this home’s rate depends on size, condition and furnishing.
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
$515K → $301K
Fort Pierce median sold, yr/yr
94.7%
Sale-to-list ratio (12 mo)
Median sold price, Fort Pierce, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 126% 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 5104 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 · Apr ’26$2,700,000
5128 Watersong WY, Fort Pierce FL 34949
3 bd · 4 ba · 3,149 sqft · $857/sqft · 84 DOM
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
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 5104 WATERSONG WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5104 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
5104 WATERSONG WAY FAQs
What would the monthly payment be for 5104 WATERSONG WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,125/mo — principal and interest, the actual property-tax bill, the $165/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 5104 WATERSONG WAY?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5104 WATERSONG WAY?+
The most recent tax bill on record (2024) was $12,470. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 5104 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 5104 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 $825,000, this home is listed about 158% above the Fort Pierce median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5104 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
Five things that matter here
01Positioned at the premium end
$825,000 runs 126% above the FORT PIERCE 34949 median.
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.
04Time on market is leverage
466 days on market against a Fort Pierce median of 65 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $1,150,000, now $825,000 — a $325K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Bistra Iordanova. MLS #O6302698.
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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