Search Frame Homes in Port St. Lucie
Frame Homes for Sale in Port St. Lucie
2 Bed 2 Bath with Den/Office On Golf makes this light and spacious home the perfect location for your Florida future! Kitchen features gorgeous cabinets and a large kitch...
- 2 Beds
- 2 Baths
- B26091059 MLS
- 34952 Zip Code
- The Links At Savanna Club SubDv.
Welcome to this upstairs 2b 2b unit that offers a blend of comfort and style. Spacious kitchen is perfect for cooking and entertaining. Plush carpet in bedrooms & main li...
- 2 Beds
- 2 Baths
- B26090992 MLS
- Belmont Bldg.
- 34986 Zip Code
- Belmont SubDv.
Tastefully updated 2/2 corner unit condo with screened in porch located minutes from downtown Jensen Beach, Port St Lucie's Port District, Treasure Coast's finest dining ...
- 2 Beds
- 2 Baths
- B26090965 MLS
- 34952 Zip Code
- Midport Place I, A Condominium SubDv.
Savanna Club corner lot gem offering relaxed 55+ living. Enjoy an oversized landscaped lot, inviting outdoor sitting areas, and a bright 3 bed, 2 bath layout. Newer A/C, ...
- 3 Beds
- 2 Baths
- B26090659 MLS
- The Savanna Club Bldg.
- 34952 Zip Code
- The Preserve At Savanna Club SubDv.
Desirable 1st floor unit overlooking the lake. Tile flooring though out the unit. Open kitchen, stainless appliances, granite counters, breakfast bar &.dining area. Split...
- 2 Beds
- 2 Baths
- B26090178 MLS
- The Club At St Lucie West Bldg.
- 34986 Zip Code
- The Club At St Lucie West, A Condominium SubDv.
Build your dream home on this beautiful 11,326 SF residential lot located in the highly desirable North Torino area of Port St. Lucie! Nestled in an established neighborh...
- B26089698 MLS
- 34986 Zip Code
- Port St Lucie Section 47 SubDv.
None
- B26089493 MLS
- 34952 Zip Code
- Port St Lucie Section 40 SubDv.
This vacant land presents a unique opportunity for discerning buyers looking to invest in real estate in Port St. Lucie, Florida. With its ideal location, this parcel is ...
- B26089239 MLS
- 34983 Zip Code
- Port St Lucie Section 43 SubDv.
Beautiful 2BR/2BA Carlton model featuring CBS construction, metal roof, luxury vinyl flooring throughout & included propane generator with hookup! Offering 1,451 sq. ft. ...
- 2 Beds
- 2 Baths
- B26089162 MLS
- Spanish Lakes One Bldg.
- 34952 Zip Code
- Spanish Lakes One Leasehold Estates SubDv.
Savanna Club is located in the heart of Port St. Lucie, Florida. Come and enjoy a unique resort lifestyle, 55+ community, with amenities that include an 18-hole golf cour...
- 3 Beds
- 2 Baths
- B26088215 MLS
- Savanna Club - Eagle's Retreat Bldg.
- 34952 Zip Code
- Eagle's Retreat At Savanna Club Phase 2 SubDv.
Frame Homes for Sale in Port St. Lucie
Most houses in Port St. Lucie are built of concrete block and stucco, known locally as CBS. Wood-frame homes are the minority, and buyers often have questions about them: are they safe in a hurricane, do they cost more to insure, and what about termites?
The feed above shows Port St. Lucie listings recorded as frame construction. This page covers how frame compares with CBS, what it means for insurance and inspections, and the kind of buyer a frame home suits well.
Frame vs. CBS: The Basic Difference
| CBS (concrete block and stucco) | Exterior walls of concrete block, filled and reinforced at intervals, finished with stucco. The standard for Port St. Lucie single-family homes for decades. |
|---|---|
| Wood frame | Exterior walls of wood studs with sheathing, finished with siding or stucco over lath. Common across much of the country; less common in South Florida but built here too, including some two-story homes and additions. |
| Mixed construction | Many two-story homes use block on the first floor and frame on the second. Additions to CBS homes are also often frame. |
A frame home finished in stucco can look identical to a CBS house from the street. The property record, the inspection and a knock on the wall will tell you which you have.
How Frame Homes Handle Wind
What decides how a house performs in a hurricane is less the wall material than how the whole structure is tied together: the roof deck attachment, the roof-to-wall connections, the opening protection on windows and doors, and the building code the home was built under. A well-built frame home under modern Florida code can outperform an older block home with an original roof and no shutters.
That is why a wind mitigation inspection matters on any home, and especially a frame one. It documents the features that insurers credit, and it tells you where the house could be strengthened.
Insurance on a Frame Home
Insurers do rate construction type, and some carriers price frame homes differently from masonry homes or have tighter underwriting for them. How much it matters depends on the carrier, the age of the home, the roof and the wind mitigation features. My advice:
- Get an insurance quote during your inspection period, before your deposit goes hard.
- Have a wind mitigation report prepared so the quote reflects the home's actual features.
- Ask your agent to quote more than one carrier; appetite for frame homes varies.
I do not publish premium figures because they change quickly, but I can connect you with local agents who write frame homes regularly.
Termites and Moisture
Florida has both subterranean and drywood termites, and while they can damage the wood in any house — including the roof framing of a CBS home — a frame home has more wood to protect. Before buying:
- Order a wood-destroying organism (WDO) inspection from a licensed pest control company. Lenders often require one anyway.
- Ask whether the home has an active termite bond or treatment history, and whether it transfers.
- Have the inspector look for moisture at the base of walls, around windows and under siding or stucco, since wood and water do not mix.
Inspection Checklist for Frame Construction
- Exterior cladding. Cracks in stucco over frame can let water reach the wood. On siding, check for soft spots and gaps.
- Sill plates and bottom of walls. The first place rot or termite damage shows up.
- Roof-to-wall connections. Straps or clips, documented in the wind mitigation report.
- Windows and doors. Impact rating or shutter coverage, and flashing around the openings.
- Permits. Especially on frame additions to block homes, which were sometimes built without them.
Considering a frame home?
I can line up the WDO inspection, wind mitigation report and insurance quotes inside your inspection period so you know the real cost before you commit.
RE/MAX — Port St. Lucie agent.
Who a Frame Home Suits
Frame homes can sell at a lower price than comparable block homes because some buyers filter them out. For a buyer comfortable with the maintenance and the insurance homework, that can be an opportunity. Frame homes are also easier to remodel — moving an interior wall or adding a window is simpler than cutting block. Financing is the same as for any home; FHA, VA and conventional loans all work, subject to the usual condition standards.
If you would rather stick with masonry, the CBS homes page filters for concrete block construction only.
Related Searches
- CBS Homes
- CBS Homes $150K-$200K
- CBS Homes $200K-$250K
- Single-Family Homes
- No-HOA Homes
- Townhomes
- All Port St. Lucie Homes
Frequently Asked Questions
What is a frame home?
A home whose exterior walls are built of wood studs and sheathing rather than concrete block. It may be finished with siding or with stucco that makes it look like a block home.
Are frame homes safe in hurricanes?
A frame home built to modern Florida code with good roof attachment and opening protection can perform well. How the structure is tied together matters more than the wall material alone.
Is insurance more expensive on a frame home in Florida?
It can be, depending on the carrier, age, roof and wind mitigation features. Get quotes from more than one carrier during your inspection period.
How can I tell if a house is frame or CBS?
Check the property record and the listing details, and ask the inspector to confirm. A stucco finish can hide either type of construction.
Do I need a termite inspection on a frame home?
Yes. A wood-destroying organism inspection is strongly recommended on any Florida home and is especially important on a frame home. Lenders often require it.
Can I get an FHA or VA loan on a frame home?
Yes. Construction type does not disqualify a home. The property still has to meet the program's condition standards.
Frame Homes for Sale in Port St. Lucie — the current listings appear at the top of this page and update automatically from the MLS.
Recently Sold: Port St. Lucie Frame Homes
Closed sales of Port St. Lucie Frame Homes, updated from the MLS. Want to know what your home would sell for today? Call (772) 359-1926.
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