4440 NE Sandpebble Trace # 104, Stuart FL 34996, STUART, FL, 34996
Active146 days on marketListed Mar 16, 2026MLS #B26002750
About this home
4440 NE Sandpebble Trace # 104, Stuart FL 34996
Waterfront condo on Intracoastal of South Hutchinson Island/Stuart/Jensen Beach area. Available May 1 2026 through April 1 2027 season. Newly furnished and painted, and completely remodeled in 2016.. Enjoy gorgeous sunsets, and great privace. First floor unit, with Beach access in community, pickleball, tennis, fishing piers. 5 pools, 3 hot tubs.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,032
Sqft
0 ac
Lot size
1982
Year built
1
Levels
$6
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.
$207 /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
$207/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 Stuart actives
$6 vs $266
Days on market
146 vs 66 typical
Where $6/sqft sits among the 400 Stuart 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 Sandpebble
Get to know Stuart. See the full Stuart guide →
Sandpebble — neighborhood snapshot
Population
503
Median age
69
Median income
$81,655
Median home value
$469,900
Avg household
2
Households w/ children
2%
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$640K → $446K
Stuart median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
41 of 400
Stuart actives have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 97% below the STUART 34996 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 4440 NE Sandpebble Trace # 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$260,000
4452 NE Ocean Boulevard # C2, Jensen Beach FL 34957
2 bd · 3 ba · 1,090 sqft · $239/sqft · 304 DOM
Sold · Mar ’26$340,000
3541 NE Ocean Boulevard # 6, Jensen Beach FL 34957
2 bd · 2 ba · 1,093 sqft · $311/sqft · 211 DOM
Sold · Jun ’26$250,000
3392 NE Causeway Boulevard # 103, Jensen Beach FL 34957
2 bd · 2 ba · 1,102 sqft · $227/sqft · 169 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4440 NE Sandpebble Trace # 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4440 NE Sandpebble Trace # 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4440 NE Sandpebble Trace # 104 FAQs
What would the monthly payment be for 4440 NE Sandpebble Trace # 104, Stuart FL 34996?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $207/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 4440 NE Sandpebble Trace # 104, Stuart FL 34996?+
The listing reports pets: No, Yes. 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 Stuart?+
At $6,500, this home is listed about 98% below the Stuart median of $431,950. The market section on this page shows how the area is trending.
Which schools are assigned to 4440 NE Sandpebble Trace # 104, Stuart FL 34996?+
Felix A Williams Elementary School (elementary), Stuart Middle School (middle), Jensen Beach High School (high) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the STUART 34996 market on paper
$6,500 is 97% below the STUART 34996 median of $199,400, and at $6/sqft it sits under the Stuart average of $347.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
146 days on market against a Stuart median of 66 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Felix A Williams Elementary School, Stuart Middle School, Jensen Beach High School — Felix A Williams Elementary School rates 4 of 5. Always verify assignments with the district.
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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