Search Stuart No-HOA Homes Under $500K
Stuart FL Homes Under $500,000 with No HOA
Step into a home with history. This fully furnished, renovated 1920 cottage near Downtown Stuart is warm, private & full of authentic character, with original wood floors...
- 2 Beds
- B26079792 MLS
- 34994 Zip Code
- Bessey Addition SubDv.
Step into a home with history. This fully furnished, renovated 1920 cottage near Downtown Stuart is warm, private & full of authentic character, with original wood floors...
- 2 Beds
- 3 Baths
- B26079792 MLS
- 34994 Zip Code
- Bessey Addition SubDv.
NO HOA! RARE MARTIN COUNTY PROPERTY WITH ROOM FOR BOATS, RVs & TOYSHard-to-find property under $500,000! This 3-bedroom, 2-bath home sits on an oversized agriculturally z...
- 3 Beds
- 2 Baths
- M20055407 MLS
- Tropic Breeze Estates Bldg.
- 34997 Zip Code
- Tropic Breeze Estates SubDv.
Welcome to the heart of Stuart! This spacious 3-bedroom, 2-bath home offers comfortable living in an incredibly convenient location with NO HOA and a NEW ROOF in 2021! Th...
- 3 Beds
- 2 Baths
- B26079074 MLS
- 34994 Zip Code
- Sherwood Forest SubDv.
Welcome to the heart of Stuart! This spacious 3-bedroom, 2-bath home offers comfortable living in an incredibly convenient location with NO HOA and a NEW ROOF in 2021! Th...
- 3 Beds
- 2 Baths
- B26079074 MLS
- 34994 Zip Code
- Sherwood Forest SubDv.
Welcome to 921 SE Flamingo Ave in Stuart! This spacious 3-bedroom, 2-bath home offers a comfortable and functional layout with plenty of natural light and room to make it...
- 3 Beds
- 2 Baths
- B26078957 MLS
- 34996 Zip Code
- Broadway Section Of St Lucie Estates Subdivision SubDv.
Welcome to 921 SE Flamingo Ave in Stuart! This spacious 3-bedroom, 2-bath home offers a comfortable and functional layout with plenty of natural light and room to make it...
- 3 Beds
- 2 Baths
- B26078957 MLS
- 34996 Zip Code
- Broadway Section Of St Lucie Estates Subdivision SubDv.
Charming, move-in ready 3BR/2BA home with 1-car garage in desirable South Stuart! Built just a few years ago with impact windows . Tucked at the back of the community at ...
- 3 Beds
- 2 Baths
- B26078707 MLS
- 34997 Zip Code
- Dixie Park Addition SubDv.
Charming, move-in ready 3BR/2BA home with 1-car garage in desirable South Stuart! Built just a few years ago with impact windows . Tucked at the back of the community at ...
- 3 Beds
- 2 Baths
- B26078707 MLS
- 34997 Zip Code
- Dixie Park Addition SubDv.
Charming two-bedroom, one-bath home situated on a desirable corner lot. Major updates include replacement windows installed in 2023 and a metal roof installed in 2022. Ad...
- 2 Beds
- 1 Baths
- B26078268 MLS
- 34997 Zip Code
- Coral Gardens SubDv.
Charming two-bedroom, one-bath home situated on a desirable corner lot. Major updates include replacement windows installed in 2023 and a metal roof installed in 2022. Ad...
- 2 Beds
- 1 Baths
- B26078268 MLS
- Coral Gardens Bldg.
- 34997 Zip Code
- Coral Gardens SubDv.
You'll love this cute 2/1 home with all it has to offer. It has Terrazzo floors, freshly painted, New Air Conditioner, Screened Patio, Close to shopping on US1 and I95. A...
- 2 Beds
- 1 Baths
- B26076947 MLS
- 34997 Zip Code
- Hibiscus Park SubDv.
You'll love this cute 2/1 home with all it has to offer. It has Terrazzo floors, freshly painted, New Air Conditioner, Screened Patio, Close to shopping on US1 and I95. A...
- 2 Beds
- 1 Baths
- B26076947 MLS
- 34997 Zip Code
- Hibiscus Park SubDv.
This single-story villa in Fishermans Cove offers three bedrooms and two bathrooms in a compact 1,275 square feet of finished living space. The floor plan suits owners se...
- 3 Beds
- 2 Baths
- B26076743 MLS
- 34997 Zip Code
- Fishermans Cove SubDv.
NO HOA & NO RESTRICTIONS! Built in 2018, this beautifully maintained, move-in-ready home gives you the freedom to bring your boat, RV, motorcycles and other toys. Enjoy a...
- 3 Beds
- 2 Baths
- B26076257 MLS
- 34997 Zip Code
- Costner's SubDv.
NO HOA & NO RESTRICTIONS! Built in 2018, this beautifully maintained, move-in-ready home gives you the freedom to bring your boat, RV, motorcycles and other toys. Enjoy a...
- 3 Beds
- 2 Baths
- B26076257 MLS
- 34997 Zip Code
- Costner's SubDv.
Prime Stuart Location with No HOA! All new wiring! This charming 3-br single-family home offers comfort, convenience, and endless potential with no HOA. New 2023 metal ro...
- 3 Beds
- 1 Baths
- B26060678 MLS
- 34997 Zip Code
- Hibiscus Park SubDv.
Opportunity awaits! This property is being sold AS-IS. Existing mobile home is currently uninhabitable, in need of extensive repair or removal. Ideal opportunity for buye...
- M20056880 MLS
- Sunshine Pkwy Manor Bldg.
- 34997 Zip Code
- Sunshine Pkwy Manor SubDv.
Finally an affordable, fully updated home in Coral Gardens. 2 bedroom, 2 full baths with one car garage. Updates include; 2026 electrical panel, sink and microwave, 202...
- 2 Beds
- 2 Baths
- M20056562 MLS
- Coral Gardens 01 Bldg.
- 34997 Zip Code
- Coral Gardens 01 SubDv.
Waterfront living, boating, and the best of the Florida lifestyle come together in this charming canal-front 2-br, 1-bath 1/2-duplex, offering ocean access, no HOA, and f...
- 2 Beds
- 1 Baths
- M20056732 MLS
- Fishermans Hideaway Sec 03 Bldg.
- 34994 Zip Code
- Fishermans Hideaway Sec 03 SubDv.
Three bedroom, two bath, one car garage split floor plan, living area all tile, screened in pool with a fenced in backyard, all appliances included, spacious, laundry ro...
- 3 Beds
- 2 Baths
- B26074952 MLS
- 34996 Zip Code
- Sarita Addition To Broadway Section SubDv.
Three bedroom, two bath, one car garage split floor plan, living area all tile, screened in pool with a fenced in backyard, all appliances included, spacious, laundry ro...
- 3 Beds
- 2 Baths
- B26074952 MLS
- 34996 Zip Code
- Sarita Addition To Broadway Section SubDv.
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...
- 3 Beds
- 2 Baths
- M20055836 MLS
- Palm Lake Park Bldg.
- 34994 Zip Code
- Palm Lake Park SubDv.
This 3-bedroom, 2-bath CBS home is located in the heart of Stuart! This home features tile flooring throughout, an updated kitchen with stainless steel appliances, recess...
- 3 Beds
- 2 Baths
- B26056207 MLS
- 34997 Zip Code
- Golden Gate SubDv.
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 ...
- 2 Beds
- 2 Baths
- B26042651 MLS
- 34997 Zip Code
- Coral Gardens SubDv.
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...
- 4 Beds
- 2 Baths
- B26005115 MLS
- 34994 Zip Code
- Lawler Heights SubDv.
Welcome to this charming 3-bedroom, 2-bath waterfront home in Port Salerno! This inviting single-story residence offers 1,188 square feet of comfortable living space and ...
- 3 Beds
- 2 Baths
- B26058192 MLS
- 34997 Zip Code
- Port Salerno SubDv.
None
- 3 Beds
- 1 Baths
- B26054939 MLS
- 34994 Zip Code
- Unplotted Parcels SubDv.
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...
- 4 Beds
- 2 Baths
- R11159628 MLS
- 34994 Zip Code
- Sherwood Forrest SubDv.
Solid CBS 3-bedroom, 2-bath home in Hibiscus Park with no HOA, offering 1,414 sq. ft. under air on a 7,492 sq. ft. lot, just minutes from the Port Salerno waterfront. ...
- 3 Beds
- 2 Baths
- A12083480 MLS
- 34997 Zip Code
- Hibiscus Park SubDv.
Solid CBS 3-bedroom, 2-bath home in Hibiscus Park with no HOA, offering 1,414 sq. ft. under air on a 7,492 sq. ft. lot, just minutes from the Port Salerno waterfront.The ...
- 3 Beds
- 2 Baths
- A12083480 MLS
- 34997 Zip Code
- Hibiscus Park SubDv.
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...
- 4 Beds
- 2 Baths
- B26045725 MLS
- 34996 Zip Code
- Broadway Section Of St Lucie Estates Subdivision SubDv.
Purchase This Home with $0 Down Out of Pocket! Fully renovated 3 bedroom, 2 bath in Stuart. New roof and new HVAC — the two big-ticket items are already done. The renovat...
- 3 Beds
- 2 Baths
- B26055827 MLS
- 34996 Zip Code
- Broadway Section Of St Lucie Estates Subdivision SubDv.
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...
- 3 Beds
- 2 Baths
- B26031126 MLS
- 34996 Zip Code
- East Lake Charlotte Estates SubDv.
This charming single family home is tucked away in the back offering lots of privacy and has 2 bed rooms, 1 bathroom + flex space . The home has been fully renovated, wa...
- 2 Beds
- 1 Baths
- B26053054 MLS
- 34997 Zip Code
- Dixie Park Addition SubDv.
Welcome home to this beautifully maintained 2-bedroom, 1-bath CBS home packed with thoughtful upgrades and abundant character. Major improvements are already taken care o...
- 2 Beds
- 1 Baths
- B26069741 MLS
- 34997 Zip Code
- Coral Gardens SubDv.
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...
- 7 Beds
- 2 Baths
- B26023690 MLS
- 34994 Zip Code
- Ruff's Little Dixie SubDv.
EXCEPTIONAL NEW CONSTRUCTION IN SANDY RIDGE— MOVE-IN READY! Discover this brand-new, quality-built CBS home offering 3 bedrooms, 2 full baths, and a 2-car garage in the ...
- 3 Beds
- 2 Baths
- B26071609 MLS
- Sandy Ridge Unrec Ot 76 (Dixie Park Lots 55 56 & 5 Bldg.
- 34997 Zip Code
- Sandy Ridge SubDv.
Welcome to 820 SE 13th Street in Stuart! This 3-bedroom, 2-bath home offers a great opportunity to make a home your own in a convenient Stuart location. Step inside to an...
- 3 Beds
- 2 Baths
- B26071689 MLS
- 34994 Zip Code
- Eldorado Heights SubDv.
Welcome to this beautifully updated and remodeled home in desirable downtown Stuart, just minutes to the beach and vibrant downtown dining and shopping. This 3-bedroom, 2...
- 3 Beds
- 2 Baths
- B26058494 MLS
- 34996 Zip Code
- Broadway Section Of St Lucie Estates Subdivision SubDv.
Welcome to 820 SE 13th Street in Stuart! This 3-bedroom, 2-bath home offers a great opportunity to make a home your own in a convenient Stuart location. Step inside to an...
- 3 Beds
- 2 Baths
- B26071689 MLS
- 34994 Zip Code
- Eldorado Heights SubDv.
EXCEPTIONAL NEW CONSTRUCTION IN SANDY RIDGE— MOVE-IN READY! Discover this brand-new, quality-built CBS home offering 3 bedrooms, 2 full baths, and a 2-car garage in the ...
- 3 Beds
- 2 Baths
- B26071609 MLS
- 34997 Zip Code
- Sandy Ridge SubDv.
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...
- 4 Beds
- 3 Baths
- R11164901 MLS
- 34997 Zip Code
- Coral Gardens SubDv.
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 ...
- 4 Beds
- 2 Baths
- B26026882 MLS
- 34994 Zip Code
- Ruff's Little Dixie SubDv.
CBS (Concrete Block Construction)! NO HOA! You can't beat this location! Just a short walk to vibrant Downtown Stuart, this well-maintained 3-bedroom, 2-bath home offers ...
- 3 Beds
- 2 Baths
- B26060024 MLS
- 34994 Zip Code
- Forrest Park SubDv.
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...
- 3 Beds
- 2 Baths
- R11159071 MLS
- 34994 Zip Code
- River Point SubDv.
Welcome to this charming CBS pool home in the heart of Stuart, FL! This inviting residence features a Newer A/C system, updated kitchen, bathroom, and newer flooring thro...
- 2 Beds
- 1 Baths
- B26067426 MLS
- 34997 Zip Code
- Coral Gardens SubDv.
Sixty feet of Waterfront with No HOA fees or dues in Stuart, private dock (24 ft), private pool and backyard built for enjoying the South Florida lifestyle! This charming...
- 2 Beds
- 1 Baths
- A12080835 MLS
- 34994 Zip Code
- Fisherman's Hideaway SubDv.
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 ...
- 3 Beds
- 2 Baths
- B26039040 MLS
- 34997 Zip Code
- Dixie Park Addition SubDv.
Sixty feet of Waterfront with No HOA fees or dues in Stuart, private dock (24 ft), private pool and backyard built for enjoying the South Florida lifestyle! This charming...
- 2 Beds
- 1 Baths
- A12080835 MLS
- Fisherman's Hideaway Bldg.
- 34994 Zip Code
- Fisherman's Hideaway SubDv.
Stuart, FL Homes for Sale Under $500,000 with No HOA
A house in Stuart under $500,000 with no HOA is one of the most searched combinations on the Treasure Coast, and one of the harder ones to find. Most of these homes are older concrete-block houses in south Stuart and Port Salerno, on streets platted in the 1950s through 1980s before homeowner associations were common. You pay no monthly dues, you can park a boat or work truck in the driveway, and you can fence the yard or add a shed without asking a board.
The live listings on this page show single-family homes in Stuart and Sewall's Point listed under $500,000 with no HOA, and they update automatically from the MLS. Pushing the budget from $400,000 to $500,000 roughly doubles what you can choose from and brings in more 3-bedroom homes with garages, updated roofs and room for a pool.
What No-HOA Homes Under $500K Look Like in Stuart
| Home type | Single-family houses, mostly concrete block, many on lots of a quarter acre or more |
|---|---|
| Age | Mostly built in the 1960s to 1990s; a few newer infill homes |
| Bedrooms | Mostly 3 bedrooms; 2-bedroom homes at the low end, some 4-bedroom homes near the top |
| Where | Mainly zip 34997 in south Stuart and Port Salerno, with some in 34994 near downtown |
| Utilities | Many are on septic and some on well; check each listing |
| Fees | No HOA dues. Some older subdivisions have a voluntary civic association with a small optional fee. |
Where to Look
These older, no-HOA neighborhoods in south Stuart and Port Salerno have the most homes in this price range:
- Dixie Park
- Coral Gardens
- Hibiscus Park
- Palm Lake Park
- Golden Gate
- Port Salerno
- Fisherman's Cove
- Vista Salerno
Golden Gate sits next to Sandsprit Park and the Manatee Pocket boat ramp and has room for boats and RVs, though some lots are zoned multi-family, so check zoning before you buy. Dixie Park and Coral Gardens are a short drive to downtown Stuart and the Roosevelt Bridge. For homes with a private pool at this price, also see Stuart pool homes.
Thinking about buying or selling a no-HOA home in Stuart under $500K?
Well-priced no-HOA homes get multiple offers. Get pre-approved and on our alert list first.
RE/MAX - local Stuart and Treasure Coast specialists
What to Check on a No-HOA Home
| Item | Why it matters |
|---|---|
| Roof and insurance | Insurers look hard at roofs over 15 years old. Ask the roof age and get an insurance quote during your inspection period. |
| Septic and well | Many homes here are on septic and some on well water. Ask the age of the system and get it inspected. |
| 4-point and wind mitigation | Insurers usually ask for these on older homes, and a good wind mitigation report can lower your premium. |
| Zoning and deed restrictions | No HOA does not always mean no rules. Some plats still carry recorded deed restrictions, and Martin County zoning controls what you can add or park. |
| Permits | Older homes often have additions or enclosed porches. Check Martin County permit records so unpermitted work does not become your problem at resale. |
| Loan type | FHA and VA loans work well at this price, but the home must meet condition standards, so flag repairs early. |
AL is both a Florida real estate broker associate with RE/MAX and a licensed mortgage loan officer (NMLS #1883073). He can pre-approve you for a conventional, FHA or VA loan and tell you which older homes will pass an appraisal. Call (772) 359-1926.
Also see: all Stuart homes with no HOA, Stuart homes under $400K, Stuart homes $400K to $500K and Stuart homes and condos under $300K.
FAQs
Are there houses in Stuart under $500,000 with no HOA?
Yes. Most are older single-family homes in south Stuart and Port Salerno, in zip 34997. The live listings on this page show what is for sale now.
Which Stuart neighborhoods have no HOA?
Dixie Park, Coral Gardens, Hibiscus Park, Palm Lake Park, Golden Gate and much of Port Salerno have no homeowner association. Some have a voluntary civic association.
Can I park a boat or RV at a no-HOA home in Stuart?
Usually, yes, subject to Martin County or City of Stuart zoning rules. Golden Gate and Port Salerno are popular with boaters because of the Manatee Pocket ramps nearby.
Can I use an FHA loan on a Stuart home under $500K?
Yes. The home has to meet FHA condition standards, so older homes need a close inspection, but most well-kept block homes qualify.
Thinking about buying or selling a no-HOA home in Stuart under $500K?
Get new listings as soon as they hit the MLS, and a pre-approval that lets you move fast.
RE/MAX - local Stuart and Treasure Coast specialists