Nestled beneath magnificent oak trees on one of South Sewall's Point's original streets, this charming home offers timeless character surrounded by lush native Florida la...
Fully reimagined and impeccably renovated, this 4-bedroom, 2-bath pool home offers 2,008 square feet of sophisticated living on an expansive 0.32-acre lot in sought out B...
Wonderful opportunity to live in the Manatee Pocket! Enjoy two homes on one property, giving you options to live in one, rent out the other or enjoy having a guest house!...
Cradled in the shade of magnificent oaks, this character-rich home is nestled among a verdant array of native Florida plants and trees. Located on Emarita Way, one of Se...
Rare find! Waterfront living under $1M with direct ocean access! Experience the charm of classic Florida lifestyle. This stunning 4-Bedroom, 3.5-Bath pool home with appro...
Rare 2.25-acre estate in the heart of Stuart offering endless possibilities! Zoned A-1A (Agricultural District) with NO HOA, this exceptional property features a beautifu...
If you are looking for the perfect three bedroom home with a screened POOL, close to downtown Stuart and the beaches, this could be the home for you! From the moment you ...
Motivated Seller. Sellers will contribute to buyer closing costs with full price offer. Nestled on a private half-acre lot backing to the Audubon of Martin County Nature ...
This renovated residence offers an impressive configuration of four bedrooms and two and a half bathrooms, complemented by a two-car garage. The home showcases a wealth o...
This renovated residence offers an impressive configuration of four bedrooms and two and a half bathrooms, complemented by a two-car garage. The home showcases a wealth o...
Welcome to Coral Gardens, a non-HOA community with no restrictions and the freedom to truly enjoy your property. Situated on a dead-end street, this move-in ready CBS hom...
Welcome to this beautifully maintained 4-bedroom, 2.5-bath CBS home. This spacious residence offers the perfect blend of comfort and Florida lifestyle, featuring a privat...
Welcome to 520 SE Dolphin Drive, a 4-bedroom, 2-bath concrete block home located in the heart of Stuart, just minutes from the beach and a short bike ride to downtown. Th...
Best views on the water! Brand New 550k seawall and dock. Brand new sod just installed. Come make this home yours and have one of the best values on big water in the a...
Located in the much sought after area of South Sewall's Point, this impeccable 4 bedroom 4 bath Coastal Chic style home is a true Masterpiece! This incredible home will i...
REDUCED $100,000. Gorgeous 4BR/3BA Key West-style home by Medalist Builders, uniquely offering newer construction in Stuart’s historic district. This 10-year-old residenc...
Welcome to this charming single-story residence in Coral Gardens, Stuart, Florida. This two-bedroom, two-bathroom, pool home offers 984 square feet of comfortable living ...
MOVE-IN READY POOL HOME IN ROCKY POINT - BOATER'S LIFESTYLE! Renovated 3-bedroom, 2-bath pool home with a 2-car garage. Inside you'll find LVP flooring throughout, open-c...
MOVE-IN READY POOL HOME IN ROCKY POINT - BOATER'S LIFESTYLE! Welcome to Rocky Point and the laid-back Florida lifestyle! This renovated 3-bedroom, 2-bath pool home with a...
This amazing 3-bed, 2-bath home is located in a residential neighborhood just a few minutes' drive to Port Salerno waterfront & marina, perfect for coastal living. Step ...
Stuart, known as the "Sailfish Capital of the World," offers a relaxed coastal lifestyle. Discover this meticulously maintained, 5 year new single-family home in the hear...
An exceptional opportunity for developers, builders, investors, or anyone seeking a rare parcel in the heart of Martin County. Situated on just under 1¼ acres, this uniqu...
Live in one, rent the other, a rare income-producing gem in the heart of Downtown Stuart. Step into this charming 1925 home with classic Old Florida character, where trop...
Discover 2.55 acres of prime commercial waterfront property with direct access to the St. Lucie River. Located at the signalized intersection of Cove Road and S. Kanner H...
Wonderful home located conveniently just North of the Roosevelt Bridge to the West of US Hwy 1. NOTE CBS Home new in 2004, now upgraded with Metal Roof 2023. Also the A...
Rare opportunity to own nearly 1 acre (.9 acres) on the wide waters of the Indian River Lagoon/Intracoastal Waterway. This private waterfront estate offers endless possib...
OPEN HOUSE this weekend. Nearly 1 acre (.9 acres) directly on the wide waters of the Indian River/Intracoastal Waterway. This private waterfront estate offers endless pos...
Newly completed in 2025, this 2,486-square-foot residence presents a bold, modern take on Florida living in one of Stuart's most convenient locations. The crisp white ext...
Situated on a spacious corner lot in Stuart's desirable Rocky Point community, this unique property features a 3BR/2BA main home plus a separate 2BR/2BA guest house with ...
Located in one of Stuart’s most sought-after boating communities, this private coastal retreat offers the flexible Florida lifestyle today’s buyers are searching for. The...
Opportunity awaits in one of Stuart's most convenient locations! This CBS home sits on a quiet cul-de-sac with no HOA and offers incredible potential for the buyer lookin...
Coastal Charm in the heart of Stuart! This charming Key West style home features a desirable Tri-Split floorplan with 4 bedrooms and 2 bathrooms. Wood-look tile flooring ...
Own a true St. Lucie River trophy with 188 feet of direct, deep water, wide river frontage and sunrise views where the river bends. Privately gated Mediterranean estate w...
Built in 2021 and spanning 2,439 SF, this 4-bed, 3-bath residence delivers a rare combination of modern construction, intentional layout, & effortless Florida living—all ...
This solid concrete block home is officially the most affordable move-in-ready 4-bed, 2-bath NO HOA home in all of Martin County! This residence offers ultimate peace of ...
Location, Location, Location!!! Nestled in Downtown Stuart this Old Stuart Building (original build of 1925) is a perfect private office, studio, salon or boutique. Zon...
Bring the Boat or RV! Charming 1925 vintage home just outside Downtown Stuart, offering the perfect blend of Old Florida character and modern comfort. With its tropical K...
WOW !!! This little Rooming House rents have potential of grossing over $60,000. yearly. 7 rooms, 2 full baths and kitchen. Rooms are furnished with wifi, cable tv, water...
Welcome to direct ocean access in the guard-gated community of Mariner Cay, offering the rare combination of HOA security with the freedom of a non-HOA property and no as...
This home is nestled back from the street in a quiet cozy neighborhood that reminds you of that old Florida charm. Its prime location is a short walking distance to down...
NO HOA! RARE MARTIN COUNTY PROPERTY WITH ROOM FOR BOATS, RVs & TOYS Hard-to-find property under $500,000! This 3-bedroom, 2-bath home sits on an oversized agricultural...
Legal 2 Family Home with Income Potential Welcome to a rare opportunity in the heart of Stuart, Fl, where savvy investor and homeowners alike can capitalize on the benefi...
Legal 2 Family Home with Income Potential Welcome to a rare opportunity in the heart of Stuart, Fl, where savvy investor and homeowners alike can capitalize on the benefi...
Totally renovated 4 bed 3 bath home in the heart of Stuart! Offering modern finishes and a brand new pool, this move-in-ready residence has a fully enclosed wrap around y...
Welcome to your private Stuart retreat, featuring a resort-style pool, spacious screened outdoor living area and a prime location near downtown Stuart, waterfront dining,...
Sunshine Manor is an "All Age Community". Land lease covers lawn care and basic cable.
A rare opportunity Downtown Stuart, this fully remodeled 3-bedroom, 3.1-bath residence blends modern design with everyday convenience on a generous lot. The open layout f...
Location, Location in this Beautiful Wide Waterfront St Lucie River Home where the Breezes never stop. Mornings where you wake up to Spectacular Sunrises and only minutes...
This excellent waterfront property offers a rare purchase opportunity in the heart of Downtown Stuart. Encompassing approximately 931 sf, the building is complemented by ...
Remarkable waterfront estate spans more than an acre, offering an extraordinary blend of privacy, scale, and untapped potential. Set in one of Sewall's Point's most covet...
Move-in Ready | No HOA | New, move-in ready, and loaded with thoughtful details and upgrades. This home offers new construction without the wait or the hassle of remodeli...
A refined coastal retreat in Stuart's coveted Port Sewall. This single level residence is set on a rare 0.64 acre homesite with no HOA. Thoughtfully renovated, the 3 bedr...
This spacious Ranch is located on a cul-de-sac of 4 homes tucked off the main road providing a tranquil private spot. Upgraded lighting, plumbing, electric and impact win...
Spacious, light and bright 4 bedroom/2 bath single family home in the heart of Stuart. No HOA. Attractive Seller financing available. Located on a quiet street with fence...
Built in 2023, this custom-designed, energy-efficient home offers exceptional curb appeal and modern coastal living on a 0.23-acre lot. The residence features high-end fi...
Welcome to one of Stuart's best-kept secrets. Nestled on a quiet dead-end street with only 15 homes, this beautifully maintained 3-bedroom, 2-bath home offers the perfect...
Built in 2023, this custom-designed, energy-efficient home offers exceptional curb appeal and modern coastal living on a 0.23-acre lot. The residence features high-end fi...
Great location Rocky Point is the Subdivision this is a 3 bedroom 2 bath home with a pool.
SHORT SALE -Sale & Terms are subject to lender approval. REDUCED for Quick Sale - WOW* APPRAISED at $489k** SOLID CBS Home w/Metal Roof & Newer Windows & Doors on an Ove...
Incredibly rare double-waterfront opportunity! This beautiful home is one of fewer than 60 properties in the USA that borders on both the Atlantic Ocean and the Intracoas...
Known as River House, offered fully furnished & turnkey (excluding artwork), this newly completed riverfront estate sits atop a commanding 30-foot bluff in Sewalls Point,...
Known as River House, offered fully furnished & turnkey (excluding artwork), this newly completed riverfront estate sits atop a commanding 30-foot bluff in Sewalls Point,...
Welcome to 907 SE Lake Street WITH NO H.O.A. THIS 4 BED/2 BATH HOME HAS NUMEROUS UPGRADES FEATURING IMPACT WINDOWS AND DOORS.LUXURY VINYL FLOORS THROUGHOUT. KITCHEN HAS B...
Fully renovated 3-bedroom, 2-bathroom home located in DESIRABLE Downton Stuart. This move-in- ready property features a brand-new kitchen with modern cabinets, granite co...
Come out and see the newly added 8th bedroom. La Dolce Vita or The Sweet Life. is an impeccable ocean-to-river estate, perfectly designed for the consummate water lover. ...
Come out and see the newly added 8th bedroom. La Dolce Vita or The Sweet Life. is an impeccable ocean-to-river estate, perfectly designed for the consummate water lover. ...
Gorgeous new build, wide-waterfront home on one of South Sewall's Point's most historic parcels. Built in 2020 on 3/4 acre, this classic modern property offers 4085 sf un...
~ Luxury Waterfront Estate ~ Bring your boats! A rare turnkey yacht-owner’s retreat built in 2022, this 7000+ sq ft coastal compound marries marina-grade functionality wi...
WHERE ELSE CAN YOU BUY A DIRECT BEACHFRONT PROPERTY AT CLOSE TO 4 MILLION? A very high-quality beach home - great price! Magnificent 9 -BED, 6- BA property on just under ...
Taking Back-Up contracts."AS IS",PREFER Cash.Short sale.Needs work.Enchanting 100+ year old home.Classic 1900's home,was a beauty.Dade County pine floors, voluminous ceil...
About 4 in 10 houses sold in Stuart over the last three years had no homeowners association, roughly 1,100 sales in the MLS. That means no monthly dues, no architectural committee, and more room to park a boat or build a workshop, within city or county code. Most of these homes are in Stuart's older neighborhoods, from Coral Gardens and Hibiscus Park to Palm Lake Park, Port Salerno and parts of Sewall's Point.
This page covers where Stuart's no-HOA houses are, what they usually look like, and what to check before you buy one. The live Stuart no-HOA listings update automatically from the MLS.
| Share of house sales | About 4 in 10 Stuart house sales had no HOA (MLS, last 3 years) |
|---|---|
| Age | Mostly built in the 1960s to 1990s; half before about 1980 |
| Lots | Typically about a quarter acre, with larger lots in older areas and on the water |
| Pools | About 4 in 10 had a private pool |
| Waterfront | About 1 in 6 were on the water; about 1 in 10 had ocean access |
| Septic | About half of listings mentioned septic |
| Zip codes | About half in 34997, the rest in 34994 and 34996 |
The biggest concentration, with established streets of concrete-block homes, some on canals near the Manatee Pocket.
Older neighborhoods close to downtown and the St. Lucie River, several with riverfront and canal homes.
Many homes in the Town of Sewall's Point and nearby Rio Vista have no HOA. These are the highest-priced no-HOA homes in Stuart, and many are on the water.
Some neighborhoods have a voluntary civic association instead of an HOA. It collects small optional dues and has no power to enforce rules. We confirm which one applies to each listing.
We know which Stuart streets are truly HOA-free and which have a voluntary association.
RE/MAX - local Stuart and Treasure Coast specialists
The trade-off is that nobody else maintains common areas or enforces how neighbors keep their homes, and there is no community pool or clubhouse. If you want those amenities, see Stuart's gated and club communities instead.
| Item | Why it matters |
|---|---|
| Septic or sewer | About half of Stuart no-HOA listings mentioned septic. Ask the age and condition of the system, and whether city or county sewer is available on the street. |
| City or county | Some homes are in the City of Stuart, some in Sewall's Point and many in unincorporated Martin County. Codes, permits and utilities differ. |
| Roof and insurance | Most of these homes are older. Roof age, a 4-point inspection and a wind mitigation report can make a big difference to your insurance. |
| Deed restrictions | Some neighborhoods have no HOA but still have recorded deed restrictions. Your title work will show them. |
| Garage and parking | Many older no-HOA homes have a carport or no garage. Check where a boat, trailer or second car will go. |
AL is both a Florida real estate broker associate with RE/MAX and a licensed mortgage loan officer (NMLS #1883073). He can show you exactly how much more you qualify for when a home has no HOA dues.
Also see: houses for sale in Stuart and Stuart waterfront homes.
Yes. About 4 in 10 Stuart house sales over the last three years had no HOA, roughly 1,100 homes. They are mostly in older neighborhoods such as Coral Gardens, Hibiscus Park, Golden Gate, Palm Lake Park, St. Lucie Estates and Port Salerno.
The most active no-HOA neighborhoods in the MLS are Coral Gardens, Hibiscus Park, Palm Lake Park, St. Lucie Estates, Golden Gate, Port Salerno, Dixie Park, Rocky Point and Vista Salerno, plus much of Sewall's Point.
Often, yes, but city and county codes still apply. About 1 in 5 Stuart no-HOA listings mentioned RV or boat parking. Check the code for the specific address before you buy.
Many are. About half of Stuart no-HOA listings mentioned septic. Always confirm whether a home is on septic or sewer.
Yes. About 1 in 6 Stuart no-HOA house sales were on the water, and about 1 in 10 had ocean access, including homes in North River Shores, St. Lucie Estates, Port Salerno and Sewall's Point.
It can. HOA dues are counted in your debt-to-income ratio, so a home with no dues leaves more room for the mortgage payment. AL, a licensed mortgage loan officer (NMLS #1883073), can run the numbers for you. Call (772) 359-1926.
Get current listings, recent sold comparables and financing answers from one local team.
RE/MAX - local Stuart and Treasure Coast specialists
We do not post static sold prices on this page because they go out of date quickly. For recent sales on a particular street, call us.