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4949 N Highway A1a #196, Hutchinson Island, FL, 34949

3beds
3baths
1,944sqft
$480,000
$247price/sqft
$3,260/moest. monthly cost
$130,400/yrincome needed

About This Home

Here is your License to Chill! Evoking Key West vibes, this stunning 3 bed 3 bath condo is fully furnished with a lovely water view. Breakers Landing is directly across from the ocean with a stoplight crosswalk & deeded beach access. Enjoy a Cheeseburger in Paradise while relaxing on either the upstairs or downstairs waterfront porch. A bedroom & full bath on the first floor gives added privacy to any guests. The 2nd floor master is so massive you could have a party in it! Brand new roof means no hassle with insurance. With far too many features to list here make sure you ask for the full feature sheet. This highly desired gated community includes a pool, clubhouse & fishing pier. Change your latitude & attitude, this turn-key slice of heaven is waiting to welcome you home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
Dan Mccarty SchoolGrades 6-86.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1987

Materials

  • Roof: Composition,Shingle
  • Construction materials: Block,Concrete

Type & Style

  • Home type: Condo
  • Architectural style: Colonial
  • Property subType: Condominium

Interior

Appliances

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

Bedroom2

  • Level: Upper
  • Area: 154
  • Dimensions: 14 X 11

Bedroom3

  • Level: Lower
  • Area: 143
  • Dimensions: 13 X 11

Bedrooms & Bathrooms

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

Features

  • Breakfast Bar,Dual Sinks,Entrance Foyer,Kitchen/Dining Combo,Pantry,Storage,Separate Shower,Upper Level Primary
  • Window features: Blinds
  • Flooring: Carpet,Ceramic Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,742
  • Total interior livable area: 1,944 sqft

Kitchen

  • Level: Lower
  • Area: 77
  • Dimensions: 7 X 11

Living Room

  • Level: Lower
  • Area: 221
  • Dimensions: 13 X 17

Master Bedroom

  • Level: Upper
  • Area: 374
  • Dimensions: 22 X 17

Property

Details

  • Parcel number: 141460200770002
  • Zoning: RES

Features

  • Levels: Multi/Split
  • Entry location: Entry Level Living Area Y
  • Pool features: Association
  • Patio & porch: Deck,Open,Porch,Balcony
  • Exterior features: Balcony,Outdoor Living Area
  • Has view: Yes
  • View description: Lagoon
  • Has water view: Yes
  • Water view: Lagoon
  • On waterfront: Yes
  • Waterfront features: Lagoon

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage,Garage Door Opener,Guest
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $2,427$29,124
Home Insurance *$39$468
Property Taxes $597$7,164
Electricity $197$2,366
Total$3,260$39,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$111,771/yr
40% on housing$97,800/yr
45% on housing$86,933/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

$247This 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
2026-01-15Price change$480,000
2025-06-11Price change$494,000
2025-03-14Price change$494,500
2025-02-07Listed for sale$495,000
2016-06-07Sold$250,000
2015-05-16Listing removed$250,000
2015-03-10Price change$250,000
2014-06-05Listed for sale$259,000
2013-07-12Listing removed$259,000
2013-04-21Listed for sale$259,000
2000-03-02Sold$2,500
1999-09-23Sold$132,000
1999-06-09Sold$106,000

For Sale by Agent

AgentLaura Sellers McAllister
BrokerageAtlantic Shores ERA Powered

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