3870 N HIGHWAY A1A UNIT 405, FORT PIERCE, FL, 34949
Active56 days on marketListed Jun 15, 2026MLS #A4697145
About this home
3870 N HIGHWAY A1A UNIT 405
Enjoy true oceanfront living on the private side of North Hutchinson Island. Located on the 4th floor, this beautifully furnished beachfront residence offers elevated ocean views and a serene coastal setting. Available annually or seasonally with a 3-month minimum stay, it delivers the perfect blend of comfort, convenience, and lifestyle. Wake up to the sound of the waves, enjoy a light-filled interior, and relax on your private balcony overlooking the Atlantic. The building features resort-style amenities, including a heated pool, jacuzzi, sauna, fitness center, tennis court, BBQ area, game and billiards rooms, media room, pet area, car wash station, elevator, and covered garage parking. A standout feature is the private garage stocked like your own beach cabana, complete with pool cabana setup, beach chairs, beach umbrella, kayak, 11-ft paddleboard, surf and body boards, and bicycles*—everything you need to fully enjoy the island lifestyle. A turnkey oceanfront retreat ideal for a seasonal escape or full-time coastal living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,187
Sqft
8.83 ac
Lot size
1
Garage
1993
Year built
One
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$193 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$193/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Fort Pierce actives
$4 vs $208
Days on market
56 vs 65 typical
Where $4/sqft sits among the 399 Fort Pierce actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hutchinson Island North
Get to know Fort Pierce. See the full Fort Pierce guide →
Hutchinson Island North — neighborhood snapshot
Population
3,494
Median age
68
Median income
$97,905
Median home value
$509,267
Avg household
2
Households w/ children
72%
For the school run
St. Lucie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Pierce market
$515K → $301K
Fort Pierce median sold, yr/yr
94.7%
Sale-to-list ratio (12 mo)
41 of 399
Fort Pierce actives have cut their price
Median sold price, Fort Pierce, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the FORT PIERCE 34949 median. See the full Fort Pierce market guide →
Paper trail
This home's history
Reality check
What actually sold near 3870 N HIGHWAY A1A UNIT 405
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$430,000
3870 N HIGHWAY A1A UNIT 301 · same community
2 bd · 2 ba · 1,239 sqft · $347/sqft · 186 DOM
Sold · Sep ’25$390,000
3100 N Highway A1A # 1103, Fort Pierce FL 34949
2 bd · 2 ba · 1,281 sqft · $304/sqft · 33 DOM
Sold · Mar ’26$255,000
3210 S Lakeview Circle # 102, Hutchinson Island FL 34949
2 bd · 2 ba · 1,080 sqft · $236/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3870 N HIGHWAY A1A UNIT 405 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3870 N HIGHWAY A1A UNIT 405 — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3870 N HIGHWAY A1A UNIT 405 FAQs
What would the monthly payment be for 3870 N HIGHWAY A1A UNIT 405?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $193/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 3870 N HIGHWAY A1A UNIT 405?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Fort Pierce?+
At $4,500, this home is listed about 99% below the Fort Pierce median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3870 N HIGHWAY A1A UNIT 405?+
Dan McCarty Middle School (middle), St. Lucie Elementary School (elementary), Lakewood Park Elementary School (elementary), Treasure Coast High School (high) — St. Lucie County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Marc Henri Kijner, Llc. MLS #A4697145.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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