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1549 NW Sweet Bay Cir, Palm City, FL, 34990

3beds
2baths
2,178sqft
$615,000
$282price/sqft
$4,764/moest. monthly cost
$190,560/yrincome needed

About This Home

Looking for a View? 3 Bedroom-2 Bath Golf Villa on 12th Green of River Ridge! Hurricane Impact Windows & Full House Generator. Granite counters, SS Appliances in kitchen, tile & carpet flooring. Living Room Sliders "pocket" onto large screen enclosed covered" patio across the back of the home for outdoor living. 2 Car Side-load Garage and Separate Golf Cart Garage added to home. Custom Landscaping. Located in Harbour Ridge Y&CC with 2 Championship Golf Courses, Tennis, Pickle Ball, Fitness Center, Salon, Doggie Park, Nature Trail & Clubhouse on the St. Lucie River. $124,000 Non-Refundable Joining Fee & $1,000 Refundable Equity Due at Closing. Monthly HOA Fee includes Club Dues, Trail Fees, POA, Village HOA, Capital Fund Fees and appropriate taxes. NO CORPORATE BUYERS. Membership approval process includes: $500 application fee plus background/credit check. Additional financial information may be required to provide for credit scores below 740.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

9/10
7/10
Southport Middle SchoolGrades 6-82.8 mi
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1989

Materials

  • Roof: Barrel
  • Construction materials: Block,Concrete,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Some Electric Appliances,Dryer,Dishwasher,Electric Range,Disposal,Microwave,Refrigerator,Water Heater,Washer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Area,Kitchen/Dining Combo
  • Window features: Impact Glass
  • Flooring: Carpet,Ceramic Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,898
  • Total interior livable area: 2,178 sqft

Property

Details

  • Parcel number: 442680300510007

Features

  • Stories: 1
  • Pool features: Community
  • Patio & porch: Patio,Screened
  • Exterior features: Sprinkler/Irrigation,Patio,Storm/Security Shutters

Lot

  • Lot size: 0.32 Acres
  • Features: Sprinklers Automatic

Parking

  • Total spaces: 2
  • Parking features: Attached Carport,Golf Cart Garage,Garage Door Opener
  • Has garage: Yes
  • Covered spaces: 2
  • Carport: Yes

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
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
Strong Wind
Tornado
Wildfire
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 $3,109$37,308
Home Insurance *$525$6,300
Property Taxes $911$10,932
Electricity $219$2,630
Total$4,764$57,168
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$163,337/yr
40% on housing$142,920/yr
45% on housing$127,040/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

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 34990$289
St. Lucie County$217

vs Homes Sold Last Month

Median $/sqft

ZIP 34990$285
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
2026-04-11Price change$615,000
2026-02-04Listed for sale$649,000
2016-05-13Listing removed$349,000
2016-02-21Price change$349,000
2015-06-25Listed for sale$375,000

For Sale by Agent

AgentGwendolyn Deisler
BrokerageHarbour Ridge Realty Inc

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