
109 S River Road, Sewalls Point FL 34996, SEWALLS POINT, FL, 34996
Active197 days on marketListed Feb 2, 2026MLS #R11160001
About this home
109 S River Road, Sewalls Point FL 34996
Known as River House, offered fully furnished & turnkey (excluding artwork), this newly completed riverfront estate sits atop a commanding 30-foot bluff in Sewalls Point, spanning 4.3 acres with sweeping, mile-long sunset views across the St. Lucie River. Designed as a modern Bahamian retreat, the residence blends imported Belgian materials with warmth and timeless elegance. Internationally recognized and featured in Vogue Australia for its exceptional design and craftsmanship. Complementing the offering, bespoke Seller Financing is available, including up to one-third of the purchase price, structured as interest-only for a period of up to five years, with no prepayment penalty, an uncommon and highly advantageous provision designed to accommodate a variety of acquisition strategies. Curated by Melhorn Architecture & Construction with interiors by Design Studio JAC, the estate reflects a level of intention and craftsmanship rarely achieved, resulting in a residence designed for longevity rather than trends. Dominican coral flooring, creamy lime plaster walls with Roman clay texture, and expansive walls of glass create a calm, gallery like backdrop for art and waterfront vistas. Vaulted ceilings accented by reclaimed European oak beams lend depth and permanence, while subtle variations in tone and texture define an atmosphere of quiet luxury. Outdoor living is seamlessly integrated through impact glass wall systems, with a resort style pool, expansive deck spaces, and lush gardens extending the living areas into the landscape and down toward a private beach. Mature oak and banyan trees frame the setting, reinforcing the estate's sense of privacy, scale, and serenity. A world class boating compound offers deep water dockage with multiple lifts, accommodating vessels over 100 feet with ease while providing direct access to the inlet and open ocean. The estate is further complemented by a private guest house, three garages with capacity for up to 17 vehicles, and meticulously designed grounds. Thoughtfully curated from architecture to landscape, River House represents a generational waterfront offering. Timeless in design, rich in detail, and among the most distinguished estates in South Florida.
Facts & features
The home at a glance
4
Bedrooms
7
Bathrooms
10,242
Sqft
4.29 ac
Lot size
17
Garage
2024
Year built
2
Levels
$2,241
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.
$143,254 /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
$143,254/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 Sewalls Point actives
$2,241 vs $684
Days on market
197 vs 121 typical
Where $2,241/sqft sits among the 8 Sewalls Point 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 Sewalls Point
Get to know Sewalls Point. See the full Sewalls Point guide →
SEWALLS POINT 34996 — neighborhood snapshot
Population
10,875
Median age
64.8
Median income
$82,898
Median home value
$409,400
Avg household
1.89
Households w/ children
566
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sewalls Point market
$2.0M → $2.0M
Sewalls Point median sold, yr/yr
0 of 8
Sewalls Point actives have cut their price
This home is listed 11410% above the SEWALLS POINT 34996 median. See the full Sewalls Point market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 S River Road
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$2,200,000
33 Rio Vista Drive, Stuart FL 34996
5 bd · 4.5 ba · 4,661 sqft · $472/sqft · 358 DOM
Sold · Jul ’26$2,500,000
8 Herons Nest, Sewalls Point FL 34996
5 bd · 3.5 ba · 3,620 sqft · $691/sqft · 25 DOM
Sold · Apr ’26$2,500,000
14 Herons Nest, Sewalls Point FL 34996
3 bd · 3.5 ba · 3,435 sqft · $728/sqft · 188 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 109 S River Road — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 S River Road — 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
109 S River Road FAQs
What would the monthly payment be for 109 S River Road, Sewalls Point FL 34996?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $143,254/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 109 S River Road, Sewalls Point FL 34996?+
The most recent tax bill on record (2025) was $127,807. 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 109 S River Road, Sewalls Point FL 34996?+
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 Sewalls Point?+
At $22,950,000, this home is listed about 753% above the Sewalls Point median of $2,690,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 S River Road, Sewalls Point FL 34996?+
Stuart Middle School (middle), Felix A Williams Elementary School (elementary), Jensen Beach 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
01Positioned at the premium end
$22,950,000 runs 11410% above the SEWALLS POINT 34996 median — but at 10,242 sqft it's also nearly 3 times the size of the typical Sewalls Point listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Stuart Middle School, Felix A Williams Elementary School, Jensen Beach High School — Felix A Williams Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $23,500,000, now $22,950,000 — a $550K cut. The full history is in the market section below.
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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