975 NW Flagler Avenue # 302, Stuart FL 34994, STUART, FL, 34994
Active157 days on marketListed Mar 5, 2026MLS #R11169154
About this home
975 NW Flagler Avenue # 302, Stuart FL 34994
Fully Furnished! Enjoy waterfront living in this beautifully maintained 2-bedroom, 2-bath fully furnished condo. The home features granite countertops, stainless steel appliances, and a cooktop stove in the kitchen. Laminate wood flooring flows throughout the living areas, complemented by crown molding throughout the entire home. Impact windows and doors provide peace of mind and energy efficiency. The spacious primary suite offers his-and-her sinks, a huge soaking tub, and a separate shower for a true retreat. Community amenities include planned social events, clubhouse and fitness center, sauna, steam room, pool café, two community pools, hot tub, billiards room, Tide-house restaurant, and a full-service marina with fuel.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,182
Sqft
0 ac
Lot size
2006
Year built
$295
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.
$4,073 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,073/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+41.1%
$/sqft vs Stuart actives
$295 vs $266
Days on market
157 vs 66 typical
Where $295/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 Harborage
Get to know Stuart. See the full Stuart guide →
Harborage — neighborhood snapshot
Population
167
Median age
51
Median income
$112,155
Median home value
$463,000
Avg household
2
Households w/ children
16%
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 94% above the STUART 34994 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 975 NW Flagler Avenue # 302
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$430,000
675 NW Flagler Avenue # 303, Stuart FL 34994 · same community
2 bd · 2 ba · 1,264 sqft · $340/sqft · 142 DOM
Sold · Aug ’25$500,000
275 NW Flagler Avenue # 204, Stuart FL 34994 · same community
3 bd · 2 ba · 1,391 sqft · $359/sqft · 4 DOM
Sold · Mar ’26$569,000
Nearby listing · same community
3 bd · 2 ba · 1,393 sqft · $408/sqft · 8 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 975 NW Flagler Avenue # 302 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 975 NW Flagler Avenue # 302 — 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
975 NW Flagler Avenue # 302 FAQs
What would the monthly payment be for 975 NW Flagler Avenue # 302, Stuart FL 34994?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,073/mo — principal and interest, the actual property-tax bill, the $1,310/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 975 NW Flagler Avenue # 302, Stuart FL 34994?+
The association fee works out to $1,310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 975 NW Flagler Avenue # 302, Stuart FL 34994?+
The most recent tax bill on record (2025) was $4,724. 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 975 NW Flagler Avenue # 302, Stuart FL 34994?+
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 $349,000, this home is listed about 19% below the Stuart median of $431,950. The market section on this page shows how the area is trending.
Which schools are assigned to 975 NW Flagler Avenue # 302, Stuart FL 34994?+
Felix A Williams Elementary School (elementary), Stuart Middle School (middle), Jensen Beach High School (high) — 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
$349,000 runs 94% above the STUART 34994 median.
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 $1,310/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
157 days on market against a Stuart median of 66 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Felix A Williams Elementary School, Stuart Middle School, Jensen Beach High School — Felix A Williams Elementary School rates 4 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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