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4290 SE Whiticar Way, Stuart, FL, 34997

5beds
5baths
3,960sqft
$2,594,000
$655price/sqft
$19,543/moest. monthly cost
$781,720/yrincome needed

About This Home

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!

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
5/10
Martin County High SchoolGrades 9-123.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1989

Materials

  • Roof: Metal
  • Construction materials: Brick,Frame,Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Electric Water Heater,Microwave,Refrigerator,Water Heater,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • Breakfast Area,Cathedral Ceiling(s),Dual Sinks,Eat-in Kitchen,Kitchen Island,Upper Level Primary,Vaulted Ceiling(s)
  • Flooring: Ceramic Tile,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 5,076
  • Total interior livable area: 3,960 sqft

Kitchen

  • Level: Main
  • Area: 450
  • Dimensions: 25 X 18

Living Room

  • Level: Main
  • Area: 512
  • Dimensions: 32 X 16

Master Bedroom

  • Level: Main
  • Area: 378
  • Dimensions: 18 X 21

Property

Details

  • Parcel number: 523841011000001608
  • Zoning: Res

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • On waterfront: Yes
  • Waterfront features: Intracoastal Access,No Fixed Bridges,Ocean Access

Lot

  • Lot size: 0.48 Acres
  • Features: 1/4 to 1/2 Acre Lot

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    LightningVery High
  • Strong Wind
    Strong WindRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind
Coastal Flooding
Tornado
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 $13,116$157,392
Home Insurance *$2,679$32,148
Property Taxes $3,350$40,200
Electricity $398$4,782
Total$19,543$234,516
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$670,045/yr
40% on housing$586,290/yr
45% on housing$521,146/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

$655This listing

vs Other Active Listings

Avg $/sqft

ZIP 34997$240
Martin County$353

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)

No zestimate history available

Price History

DateEventPrice
2026-05-05Price change$2,595,000
2026-04-15Price change$2,695,000
2026-04-03Price change$2,795,000
2026-03-26Price change$2,895,000
2026-03-17Price change$2,995,000
2026-03-12Price change$3,099,000
2026-03-05Price change$3,145,000
2026-02-26Price change$3,170,000
2026-02-10Listed for sale$3,195,000
2025-11-13Listing removed$2,995,000
2025-07-14Price change$2,995,000
2025-06-12Listed for sale$3,099,000
2023-08-03Sold$1,400,000
2023-08-02Pending sale$1,499,995
2023-07-18Contingent$1,499,995
2023-06-13Price change$1,499,995
2023-04-19Listed for sale$1,650,000
2023-04-14Contingent$1,650,000
2023-03-21Price change$1,650,000
2022-10-12Price change$1,699,995
2022-08-17Listed for sale$1,750,000
2022-08-12Listing removed--
2022-07-28Price change$1,799,000
2022-05-30Price change$1,850,000
2022-05-12Listed for sale$1,950,000

For Sale by Agent

AgentAndrew Volpe
BrokerageSerhant

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