, HUTCHINSON ISLAND, FL, 34949
Active148 days on marketListed Mar 12, 2026MLS #B26000688
About this home
This unique opportunity features a permitted, exceptionally wide 80 ft* oceanfront lot, perfect for sprawling luxury residences. All infrastructure and utilities are in place. Permits are in process for a dock with a boardwalk leading from A1A to the Indian River, providing a highly coveted ocean-to-river lifestyle that is just minutes from the ocean inlet by boat. With the potential to create a remarkable custom estate, the stage is set for an exciting and prestigious new coastal offering. Buildable area is 7,079 sq ft. *lot widths vary
Facts & features
The home at a glance
22 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$14,914 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$14,914/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Hutchinson Island
Get to know Hutchinson Island. See the full Hutchinson Island guide →
HUTCHINSON ISLAND 34949 — neighborhood snapshot
Population
7,567
Median age
65.7
Median income
$92,188
Median home value
$427,500
Avg household
1.79
Households w/ children
95%
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 Hutchinson Island market
$3.5M → $865K
Hutchinson Island median sold, yr/yr
92.9%
Sale-to-list ratio (12 mo)
Median sold price, Hutchinson Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 311% above the HUTCHINSON ISLAND 34949 median. See the full Hutchinson Island market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$350,000
3434 46TH STREET N · same community
1 bd · 1 ba · 1,056 sqft · $331/sqft · 128 DOM
Sold · Oct ’25$40,000
7929 HONEYDEW CIRCLE · same community
2 bd · 2 ba · 1,080 sqft · $37/sqft · 67 DOM
Sold · Aug ’25$255,000
1396 SE 94TH STREET · same community
3 bd · 2 ba · 1,248 sqft · $204/sqft · 6 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
FAQs
What would the monthly payment be for ?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,914/mo — principal and interest, the actual property-tax bill, the $827/mo association fee 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.
How much are the HOA fees at ?+
The association fee works out to $827 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ?+
The most recent tax bill on record (2024) was $63,241. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hutchinson Island?+
At $1,500,000, this home is listed about 156% above the Hutchinson Island median of $585,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
St. Lucie Elementary School (elementary), Dan McCarty Middle School (middle), Treasure Coast High School (high), Lakewood Park Elementary School (elementary) — St. Lucie County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,500,000 runs 311% above the HUTCHINSON ISLAND 34949 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $827/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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