Search Frame Homes in Port St. Lucie
Frame Homes for Sale in Port St. Lucie
Great opportunity to build your dream home in Port St. Lucie! This residential lot offers approximately 0.23 acres with no HOA, providing plenty of possibilities to bring...
- B26082435 MLS
- 34987 Zip Code
- Port St Lucie Section 35 SubDv.
LAND OWNED!!!! This well-maintained 2-bedroom, 2 bath, manufactured home in Savanna Club, a 55+ Community. Offering 1,528 SF of comfortable open concept single-story livi...
- 2 Beds
- 2 Baths
- B26082004 MLS
- Savanna Club Bldg.
- 34952 Zip Code
- Savanna Club Plat Iii SubDv.
Let's Make a Deal/ Motivated Seller! Check Out This .25 Acre Vacant Lot to Build your Dream Home in This Quiet Neighborhood with no Mandatory HOA Fees. Easy Access to Sho...
- B26081277 MLS
- 34953 Zip Code
- Port St Lucie Section 5 SubDv.
Public Remarks: TAKE YOUR 15 LB. BEST BUDDY FOR A WALK FROM YOUR BACK DOOR - Serene locale, like a bird sanctuary...very private! SOUGHT AFTER GROUND FLOOR unit all tiled...
- 2 Beds
- 2 Baths
- B26081083 MLS
- 34952 Zip Code
- Midport Place I, A Condominium SubDv.
Welcome to this Coral Reef model, perfectly situated on a beautifully landscaped corner lot in the desirable Savanna Club 55+ community. This move-in-ready home offers 2 ...
- 2 Beds
- 2 Baths
- B26081077 MLS
- Savanna Club Bldg.
- 34952 Zip Code
- Fairways At Savanna Club Replat No 1 SubDv.
Buy now, build later! Whether building your dream home or perhaps an investment property, this .33 AC oversized corner lot checks all the boxes. No HOA, public utilities ...
- B26080893 MLS
- 34983 Zip Code
- Port St Lucie Section 25 SubDv.
3BR/2BA End-Unit, offered turnkey and furnished. Filled with natural light, this well-maintained home features a screened lanai, neutral décor, and numerous updates. Incl...
- 3 Beds
- 2 Baths
- B26080738 MLS
- 34952 Zip Code
- The Fountains Of St Lucie SubDv.
Located in the highly desirable Torino area of Port St. Lucie, this .24 acre lot offers you a a rare opportunity to build a custom home in one of the city's most establis...
- M20055853 MLS
- Port St Lucie Sec 44 Bldg.
- 34986 Zip Code
- Port St Lucie Sec 44 SubDv.
Welcome to this beautifully and completely remodeled first-floor end-unit condo. This spacious 3bedroom, 2-bathroom home has been update/renovated from top to bottom with...
- 3 Beds
- 2 Baths
- B26080546 MLS
- 34952 Zip Code
- Midport Place I, A Condominium SubDv.
Prime opportunity to build your dream home on this spacious residential lot in the heart of Port St. Lucie. This LOT offers a chance to build or invest in a growing commu...
- B26080207 MLS
- 34986 Zip Code
- Port St Lucie Section 44 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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