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20 Harbour Isle Drive #PH02, Fort Pierce, FL, 34949

2beds
2baths
1,989sqft
$465,000
$234price/sqft
$2,956/moest. monthly cost
$118,240/yrincome needed

About This Home

This top-floor condo offers one of the best views in one of the most sought after buildings in Harbour Isle! It's perfectly situated in the back corner of the complex on the marina inlet. Watch boats coming and going, dolphin & other marine life frolicking, fish along the seawall/pier, and witness some of the most incredible sunrises you'll ever see - all from your sunroom and primary bedroom. There's plenty of guest parking and grills nearby for your outdoor bbqs. These condos are constructed w/ poured concrete walls, hurricane rated windows/doors, high ceilings, open floorplans, flex room off laundry room for office/add'l sleeping, 24-hour security guard, & outstanding amenities including b'ful pool, gym, walking paths, clubroom, etc. Walk to the inlet, fun tiki bars, & d'town Ft Pierce!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

4/10
5/10
Dan Mccarty SchoolGrades 6-82.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2005

Materials

  • Construction materials: Block,Pre-Cast Concrete

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Electric Water Heater,Disposal,Ice Maker,Microwave,Refrigerator,Water Heater,Washer
  • Laundry features: Laundry Tub

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Bedroom on Main Level,Bathtub,Closet Cabinetry,Dual Sinks,Eat-in Kitchen,High Ceilings,Living/Dining Room,Split Bedrooms,Soaking Tub,Separate Shower,Walk-In Closet(s)
  • Window features: Blinds,Impact Glass
  • Flooring: Carpet,Ceramic Tile

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,989 sqft

Property

Details

  • Parcel number: 240250302360007
  • Lease amount: 0
  • Special condition: Listed As-Is

Features

  • Stories: 11
  • Pool features: Association
  • Exterior features: Barbecue,Lighting
  • Fencing: Fenced
  • Has view: Yes
  • View description: Intercoastal,Water
  • Has water view: Yes
  • Water view: Intercoastal,Water
  • Waterfront features: Intracoastal Access,None,River Front

Parking

  • Parking features: Assigned,Guest

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters in St. Lucie 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 $2,351$28,212
Home Insurance *$37$444
Property Taxes $368$4,416
Electricity $200$2,402
Total$2,956$35,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,348/yr
40% on housing$88,680/yr
45% on housing$78,826/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: 14.7%
14.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 8.7%
8.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 34949$408
St. Lucie County$217

vs Homes Sold Last Month

Median $/sqft

ZIP 34949$567
St. Lucie County$215

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
2026-01-08Listed for sale$465,000

For Sale by Agent

AgentCarlson Collier
BrokerageKeller Williams Realty of PSL

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