2486 HARBOUR COVE DRIVE, HUTCHINSON ISLAND, FL, 34949
Active267 days on marketListed Nov 22, 2025MLS #O6362774
About this home
2486 HARBOUR COVE DRIVE
AMAZING waterfront opportunity! This Beautiful 2-story end-unit townhome with sweeping Intracoastal views on North Hutchinson Island. impact windows throughout & all balconies upgraded with composite decking. Featuring 3 bedrooms, 2.5 baths, and a one-car garage, this turnkey home includes a 30' boat slip with boat lift and offers one of the best southeast water views in the community. Move-in ready and designed for relaxation—enjoy the sparkling pool, outdoor BBQ & pet-friendly Community. Minutes To Ft. Pierce Inlet. Make Harbour Cove your own South Florida waterfront retreat!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,780
Sqft
0 ac
Lot size
1
Garage
1990
Year built
Two
Levels
$365
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.
$5,188 /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
$5,188/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 Hutchinson Island actives
$365 vs $365
Days on market
267 vs 134 typical
Where $365/sqft sits among the 88 Hutchinson Island 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 Hutchinson Island North
Get to know Hutchinson Island. See the full Hutchinson Island guide →
Hutchinson Island North — neighborhood snapshot
Population
3,494
Median age
68
Median income
$97,905
Median home value
$509,267
Avg household
2
Households w/ children
72%
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 Hutchinson Island market
$3.5M → $865K
Hutchinson Island median sold, yr/yr
92.9%
Sale-to-list ratio (12 mo)
9 of 88
Hutchinson Island actives have cut their price
Median sold price, Hutchinson Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 77% above the HUTCHINSON ISLAND 34949 median. See the full Hutchinson Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 2486 HARBOUR COVE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$285,000
902 Shorewinds Drive # B, Hutchinson Island FL 34949 · same community
2 bd · 1.5 ba · 1,088 sqft · $262/sqft · 10 DOM
Sold · Mar ’26$235,000
2707 N Highway A1a # G, Fort Pierce FL 34949 · same community
1 bd · 1.5 ba · 957 sqft · $246/sqft · 28 DOM
Sold · Jun ’26$170,000
2800 N Highway A1a 201, Hutchinson Island FL 34949
2 bd · 2 ba · 1,630 sqft · $104/sqft · 619 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 2486 HARBOUR COVE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2486 HARBOUR COVE DRIVE — 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
2486 HARBOUR COVE DRIVE FAQs
What would the monthly payment be for 2486 HARBOUR COVE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,188/mo — principal and interest, the actual property-tax bill, the $380/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 2486 HARBOUR COVE DRIVE?+
The association fee works out to $380 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2486 HARBOUR COVE DRIVE?+
The most recent tax bill on record (2025) was $10,760. 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 2486 HARBOUR COVE DRIVE?+
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 Hutchinson Island?+
At $650,000, this home is listed about 9% above the Hutchinson Island median of $595,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2486 HARBOUR COVE DRIVE?+
Dan McCarty Middle School (middle), St. Lucie Elementary School (elementary), Lakewood Park Elementary School (elementary), Treasure Coast High School (high) — St. Lucie County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REAL ESTATE EXPO INC · Sergei Goukasov. MLS #O6362774.
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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