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Port St. Lucie Waterfront Condos & Townhomes for Sale

Port St. Lucie Waterfront Condos & Townhomes for Sale

A waterfront condo is the easiest way to live on the water in Port St. Lucie. You get the river, lake or canal view, and often a boat slip, without owning a seawall or maintaining a dock by yourself. The association handles the building and grounds, and you handle the view.

The listing feed on this page shows Port St. Lucie waterfront condos and townhomes for sale, updated automatically from the MLS. Below it is where they are, how boat slips work, what to check in the association, and how financing a condo on the water differs from buying a house. For every kind of waterfront in the city, see Port St. Lucie waterfront homes for sale.

Where the Waterfront Condos Are

Most of the city's waterfront condos and townhomes sit on the east side, along the North Fork and the St. Lucie River, where the river runs to the St. Lucie Inlet and the Atlantic. These communities have their own pages with listings and details:

Inside the planned communities of St. Lucie West and Tradition you will also find condos and villas overlooking community lakes. Those give you the water view and the quiet, but not the boating. If you want the beach instead of the river, the oceanfront condos on Hutchinson Island are a short drive east.

Condo or Townhome?

  Waterfront condo Waterfront townhome
What you own The unit interior; the association owns the building Often the unit and its footprint, sometimes a private dock
Maintenance Building, roof and grounds handled by the association Varies; exterior may be shared or yours
Boating Shared, assigned or leased slips, if any More likely to have a private dock behind the unit
Rules Usually more: rentals, pets, age, boat size Usually fewer, but still an association

The line between the two is blurrier than it looks. Some townhome communities are legally organized as condominiums, and some villas sit under a condo association, so a listing can say "condo" when the building looks like a townhome. That matters for insurance and financing, so I check how the association is set up before you make an offer.

How Boat Slips Work

  • Deeded slip. Transfers with the unit. The strongest form of ownership and usually reflected in the price.
  • Assigned slip. Belongs to the association and is assigned to a unit. Ask whether the assignment transfers when you buy.
  • Leased slip. Rented from the association or master association, often by the linear foot. There may be a waiting list.
  • No slip. Water view only. Often the best value if you do not own a boat.

Whatever the arrangement, check the size limit, the depth at low tide, whether lifts are allowed and the route out to the river. For boaters, see the ocean access page and the St. Lucie River homes page.

What to Check in the Association

  • Budget and reserves. Are reserves funded for the roof, seawall, docks and structure, or will a special assessment cover them later?
  • Milestone inspection and reserve study. Florida requires them for condominium buildings of three stories or more. Ask for the most recent reports.
  • Insurance. What the master policy covers, the deductible, and what your HO-6 policy needs to pick up.
  • Rules. Rentals, pets, age restrictions, boat size and guest parking. Some waterfront communities are 55+ or do not allow pets.
  • Approval. Many associations require buyer approval, an application and sometimes an interview. Build that time into your contract.

Looking at a condo on the water?

Send me the building name. I will pull the association documents, check how the slips are held and review the budget before you commit.

REMAX - Port St. Lucie agent and licensed mortgage loan officer NMLS #1883073.

Financing a Waterfront Condo

A condo loan has two approvals: yours and the building's. Lenders look at the association's budget, reserves, insurance, owner-occupancy, delinquencies and any litigation or special assessments. A building that falls short can limit your loan options even if your own credit is strong. As a licensed mortgage loan officer, I review the condo questionnaire and budget up front, and I include the dues, any assessments and insurance in your payment before we talk about price.

Frequently Asked Questions

Are there waterfront condos in Port St. Lucie?

Yes. Most are on the east side of the city along the North Fork and the St. Lucie River, in communities such as the Anchorage on the St. Lucie, Tarpon Bay Yacht Club, Tarpon Bay Moorings, Walden Woods and the Villas of Sandpiper Bay. There are also lake-view condos inside planned communities and oceanfront condos a short drive away on Hutchinson Island.

Do waterfront condos come with a boat slip?

Sometimes. Slips can be deeded to a unit, assigned by the association, leased from the association or not available at all, and each works differently when you buy or sell. Ask how the slip is held, what size boat it fits and whether there is a waiting list before you fall in love with a unit.

Are waterfront condos harder to finance?

They can be. Beyond your own approval, the building has to meet lender guidelines, including the association's budget, reserves, insurance and any litigation or special assessments. I review the condo questionnaire and budget early so there are no surprises close to closing.

What are milestone inspections and structural reserve studies?

Florida now requires condominium buildings of three stories or more to complete periodic milestone structural inspections and structural integrity reserve studies, and to fund reserves for major components. They make buildings safer, but they can also lead to higher dues or special assessments, so ask for the latest reports and the reserve schedule on any building you consider.

Do I need flood insurance on a waterfront condo?

The association's master policy covers the building, and your own HO-6 policy covers the interior and your belongings. Whether you also need individual flood coverage depends on the flood zone, the master policy and your lender, so price it before you commit.

Are there waterfront townhomes too?

Yes. Some waterfront communities are townhomes rather than stacked condos, such as Tarpon Bay Moorings with private docks. In the MLS a townhome can be listed as a condo or a townhouse depending on how its association is organized, so this page includes both.

Recently Sold in Port St. Lucie Waterfront Condos

Closed sales in Port St. Lucie Waterfront Condos, updated from the MLS. Want to know what your home would sell for today? Call (772) 359-1926.

See All Port St. Lucie Waterfront Condos for Sale