4290 SE Whiticar Way, Stuart FL 34997, STUART, FL, 34997
Active175 days on marketListed Feb 10, 2026MLS #R11162569
About this home
4290 SE Whiticar Way, Stuart FL 34997
Welcome to the exclusive gated community of Mariner Cay! This Coastal-Modern waterfront home features a spacious 5-bedroom, 4.5-bathroom layout, offering a perfect blend of luxury and comfort across 3,960 living square feet. Set on a near .5-acre corner lot, this Newly Renovated residence showcases a modern coastal aesthetic with an open floor plan that seamlessly integrates indoor and outdoor living. Enjoy the ease of a split floor plan, providing privacy and space for family and guests. Equipped with a private dock and TWO boat lifts, this home is perfect for boating enthusiasts. Only minutes from Stuart's finest waterfront restaurants, the intracoastal, and offshore fishing. This location is unmatched! Schedule your private tour today!
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,960
Sqft
0.48 ac
Lot size
3
Garage
1989
Year built
2
Levels
$655
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.
$16,792 /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
$16,792/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 Stuart actives
$655 vs $265
Days on market
175 vs 67 typical
Where $655/sqft sits among the 400 Stuart 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 Mariner Cay
Get to know Stuart. See the full Stuart guide →
Mariner Cay — neighborhood snapshot
Population
325
Median age
70
Median income
$82,555
Median home value
$357,700
Avg household
2
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$640K → $446K
Stuart median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
41 of 400
Stuart actives have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 567% above the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 4290 SE Whiticar Way
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$5,750,000
3973 SE Topsail Court, Stuart FL 34997
4 bd · 4.5 ba · 4,033 sqft · $1,426/sqft · 4 DOM
Sold · May ’26$606,000
5342 SE Cable Drive, Stuart FL 34997
5 bd · 3 ba · 2,645 sqft · $229/sqft · 7 DOM
Sold · Jun ’26$591,000
5339 SE Cable Drive, Stuart FL 34997
5 bd · 3 ba · 2,645 sqft · $223/sqft · 7 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 4290 SE Whiticar Way — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4290 SE Whiticar 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
4290 SE Whiticar Way FAQs
What would the monthly payment be for 4290 SE Whiticar Way, Stuart FL 34997?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,792/mo — principal and interest, the actual property-tax bill, the $575/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 4290 SE Whiticar Way, Stuart FL 34997?+
The association fee works out to $575 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4290 SE Whiticar Way, Stuart FL 34997?+
The most recent tax bill on record (2025) was $13,045. 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 4290 SE Whiticar Way, Stuart FL 34997?+
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 Stuart?+
At $2,594,000, this home is listed about 505% above the Stuart median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4290 SE Whiticar Way, Stuart FL 34997?+
Port Salerno Elementary School (elementary), Martin County High School (high), Dr. David L. Anderson Middle School (middle) — Martin 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
$2,594,000 runs 567% above the STUART 34997 median — but at 3,960 sqft it's also nearly 3 times the size of the typical Stuart 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 $575/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
175 days on market against a Stuart median of 67 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $3,195,000, now $2,594,000 — a $601K 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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