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Rare Palm City waterfront retreat with no fixed bridges and direct ocean access. This distinctive 5BR/3BA home offers approx. 2, 534 living sq ft with warm wood detailing, soaring ceilings, dramatic fireplace, and flexible living spaces full of character. The layout includes a downstairs primary suite plus an upstairs suite currently used as an art studio. Enjoy boating from your private dock with lift and electric, seawall and dock in good condition. Additional highlights include a 2023 metal roof, complete panel shutters, newer appliances, paver driveway, oversized garage with epoxy floors, low annual HOA for road/canal maintenance, and peaceful waterfront setting. A unique opportunity for buyers seeking boating, privacy, and a home with true personality. Additional features include exceptional storage and lifestyle flexibility throughout the property. The oversized attached garage is notably deep and offers excellent space for vehicles, tools, boating gear, fishing equipment, paddleboards, kayaks, bikes, hobbies, or recreational storage. The upstairs suite is currently used as an art studio and offers a highly versatile space that could function well as a guest retreat, home office, creative studio, media area, playroom, or additional private living space. The floor plan provides separation between the downstairs primary suite and upstairs living area, creating options for guests, extended stays, multi-generational needs, remote work, or family living. Inside, the home's warm architectural character is enhanced by natural wood finishes, volume ceilings, abundant natural light, and a dramatic decorative fireplace that serves as a focal point in the main living area. The overall feel is distinctive, inviting, and far from cookie-cutter. The waterfront setup adds major lifestyle value for boaters, anglers, and buyers seeking direct ocean access from Palm City. The private dock, lift, electric service, and well-maintained seawall support easy enjoyment of the Treasure Coast boating lifestyle. The low annual HOA of approximately $244. 77 is minimal in involvement and primarily supports road and canal maintenance. Located in Palm City, this property offers convenient access to boating, shopping, dining, schools, parks, major roadways, and nearby Stuart. This home is ideal for buyers searching for a Palm City waterfront home with boating access, flexible living space, privacy, storage, and distinctive character.
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $879,200 | $879,200 | $879,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.350% | 6.259% | 6.183% |
| Monthly Tax Payment | $510 | $510 | $510 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,271 | $5,342 | $7,419 |
| Total Monthly Payment | $5,906 | $5,977 | $8,054 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.