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3550 SE Cobia Way #3550, Stuart, FL, 34997

3beds
2baths
944sqft
$257,900
$273price/sqft
$1,930/moest. monthly cost
$77,200/yrincome needed

About This Home

PRICE REDUCED - SELLER MOTIVATED! Beautifully remodeled 3-bedroom unit (converted from 2 bedrooms) featuring brand-new appliances, including washer/dryer, A/C, and water heater. Updated kitchen with marble countertops, renovated bathrooms, and porcelain tile throughout. Metal roof installed in 2018. The owner thoughtfully redesigned the layout, converting the original kitchen into additional living space or a 3rd bedroom, while creating a spacious open-concept kitchen and living area—ideal for families. French doors from the living area and guest bedrooms, plus a slider from the primary suite, open to a large partially covered courtyard. Move-in ready!

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

4/10
4/10
Murray Middle SchoolGrades 6-80.8 mi
5/10
Martin County High SchoolGrades 9-123.4 mi

Construction

Condition

  • Property condition: Resale,Updated/Remodeled
  • Year built: 1981

Materials

  • Foundation: Concrete Perimeter,Permanent,Slab
  • Roof: Metal
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Villa

Interior

Appliances

  • Appliances included: Dryer,Electric Range,Electric Water Heater,Ice Maker,Microwave,Oven,Range,Refrigerator,Water Heater,Washer
  • Laundry features: Inside,In Kitchen

Bedroom2

  • Area: 132
  • Dimensions: 12 X 11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Breakfast Area,Entrance Foyer,Main Level Primary,Split Bedrooms,Separate Shower
  • Door features: French Doors
  • Window features: Metal,Single Hung
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 956
  • Total interior livable area: 944 sqft

Kitchen

  • Area: 110
  • Dimensions: 11 X 10

Living Room

  • Area: 225
  • Dimensions: 15 X 15

Master Bedroom

  • Area: 168
  • Dimensions: 14 X 12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 553841740001000109
  • Zoning: PUD-R
  • Special condition: Standard,Listed As-Is
  • Other equipment: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Courtyard,Garden,Outdoor Living Area
  • Fencing: Fenced,Gate,Wood
  • Has view: Yes
  • View description: Garden
  • Waterfront features: None

Lot

  • Lot size: 1,393 sqft
  • Features: Corner Lot,None
  • Lot size dimensions: .032

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Guest
  • Uncovered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in Martin County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,304$15,648
Home Insurance *$266$3,192
Property Taxes $163$1,956
Electricity $197$2,366
Total$1,930$23,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,171/yr
40% on housing$57,900/yr
45% on housing$51,466/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.8%
14.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$273This listing

vs Other Active Listings

Avg $/sqft

ZIP 34997$246
Martin County$354

vs Homes Sold Last Month

Median $/sqft

ZIP 34997$297
Martin County$295

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-11Price change$217,900
2026-03-26Listed for sale$257,900

For Sale by Agent

AgentCherie Martinez
BrokerageSaint Enterprises RE Invst Crp

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