144 Pepper Lane, Jensen Beach FL 34957, JENSEN BEACH, FL, 34957
Active872 days on marketListed Mar 25, 2024MLS #R10971847
About this home
144 Pepper Lane, Jensen Beach FL 34957
. Last house to be built, 2002! Large, wide living room, with wood burning fireplace. Built in granite topped bar. Large kitchen, many drawers. 1 bedroom en suite plus half bath, & laundry on main floor. 2 en suite bedrooms, including primary on second floor. Room enough for a potential 4th bedroom, plus den/office/loft. Driveway wide enough for 2 cars, plus one car garage. Pavers on driveway and walkways. . Heated community pool, sprinkler system and lawns, trimming, plus clubhouse, Xfinity, plus HBO included. Maintenance $1500.50 per quarter to live across from Atlantic Ocean in a house, on Hutchinson Island. Walk across to Waveland Beach, with lifeguards. Or follow trail back to pier on Intracoastal. Being sold as is!
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,900
Sqft
0.09 ac
Lot size
1
Garage
2002
Year built
2
Levels
$293
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.
$6,399 /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
$6,399/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 Jensen Beach actives
$293 vs $347
Days on market
872 vs 75 typical
Where $293/sqft sits among the 170 Jensen Beach 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 Bay Tree
Get to know Jensen Beach. See the full Jensen Beach guide →
Bay Tree — neighborhood snapshot
Population
87
Median age
68
Median income
$58,295
Median home value
$263,400
Avg household
2
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 Jensen Beach market
$476K → $475K
Jensen Beach median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
11 of 170
Jensen Beach actives have cut their price
Median sold price, Jensen Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 217% above the JENSEN BEACH 34957 median. See the full Jensen Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 144 Pepper Lane
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$930,000
10751 S Ocean, Unit B2, Jensen Beach FL 34957
2 bd · 2.5 ba · 2,460 sqft · $378/sqft · 25 DOM
Sold · Jun ’26$775,000
9960 S Ocean Drive # 1005, Jensen Beach FL 34957
2 bd · 2 ba · 1,703 sqft · $455/sqft · 27 DOM
Sold · May ’26$524,888
9550 S Ocean Drive # 510, Jensen Beach FL 34957
2 bd · 2 ba · 1,550 sqft · $339/sqft · 229 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 144 Pepper Lane — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 144 Pepper Lane — 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
144 Pepper Lane FAQs
What would the monthly payment be for 144 Pepper Lane, Jensen Beach FL 34957?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,399/mo — principal and interest, the actual property-tax bill, the $500/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 144 Pepper Lane, Jensen Beach FL 34957?+
The association fee works out to $500 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 144 Pepper Lane, Jensen Beach FL 34957?+
The most recent tax bill on record (2025) was $10,000. 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 144 Pepper Lane, Jensen Beach FL 34957?+
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 Jensen Beach?+
At $850,000, this home is listed about 89% above the Jensen Beach median of $449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 144 Pepper Lane, Jensen Beach FL 34957?+
Mariposa Elementary School (elementary), Village Green Environmental Studies School (elementary), Morningside Elementary School (elementary), Southport Middle School (middle), Savanna Ridge Elementary School (elementary), Northport K-8 School (elementary), Treasure Coast High School (high) — 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
$850,000 runs 217% above the JENSEN BEACH 34957 median — but at 2,900 sqft it's also nearly twice the size of the typical Jensen Beach listing.
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 $500/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
872 days on market against a Jensen Beach median of 75 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Mariposa Elementary School, Village Green Environmental Studies School, Morningside Elementary School, Southport Middle School, Savanna Ridge Elementary School, Northport K-8 School, Treasure Coast High School — Morningside Elementary School rates 5 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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