3 Harbour Isle Drive # 302, Fort Pierce FL 34949, FORT PIERCE, FL, 34949
Active279 days on marketListed Nov 13, 2025MLS #F10536613
About this home
3 Harbour Isle Drive # 302, Fort Pierce FL 34949
Title: Architectural Digest Waterfront Masterpiece – Harbour IslePrepare to be captivated by this showstopping 2BR/2BA coastal residence—an unparalleled blend of Architectural Digest design and waterfront luxury in sought-after Harbour Isle! Every inch of this 2,000 sq ft end-unit condo was masterfully renovated in 2025 with $200,000+ in upgrades, including Fine Art Italian porcelain tile, custom shiplap ceilings, art gallery display systems, Serena & Lily lighting, and exquisite 8” baseboards. Spa-inspired bathrooms feature Hansgrohe fixtures, a $6K Smart Bidet, gold-lit wallpaper, and a serene wet room. The chef’s kitchen is equipped with a full Samsung smart suite and European sink, all brand new with premium technology. Immaculate, never lived in since its designer transformation, this turnkey home comes fully furnished with breathtaking direct water views—see dolphins and manatees from your living room! Enjoy world-class amenities: pickleball, fitness, gated security, owners- only privacy, and sunset vistas from your picture windows.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,989
Sqft
2005
Year built
$365
Per sqft
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.
$5,565 /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
$5,565/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.
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.
vs edgeAI estimate
+80.5%
$/sqft vs Fort Pierce actives
$365 vs $208
Days on market
279 vs 65 typical
Where $365/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 South Beach
Get to know Fort Pierce. See the full Fort Pierce guide →
South Beach — neighborhood snapshot
Population
4,027
Median age
65
Median income
$67,737
Median home value
$384,267
Avg household
2
Households w/ children
23%
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)
39 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% above the FORT PIERCE 34949 median. See the full Fort Pierce market guide →
Paper trail
This home's history
Reality check
What actually sold near 3 Harbour Isle Drive # 302
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$350,000
7 Harbour Isle Drive E # 301, Fort Pierce FL 34949 · same community
2 bd · 2 ba · 1,989 sqft · $176/sqft · 140 DOM
Sold · Jul ’26$375,000
16 W Harbour Isle Dr Drive W # 106, Fort Pierce FL 34949
2 bd · 2 ba · 1,989 sqft · $189/sqft · 23 DOM
Sold · Mar ’26$315,000
37 E HARBOUR ISLE DRIVE E UNIT 206
2 bd · 2 ba · 1,989 sqft · $158/sqft · 134 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3 Harbour Isle Drive # 302 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 Harbour Isle Drive # 302 — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3 Harbour Isle Drive # 302 FAQs
What would the monthly payment be for 3 Harbour Isle Drive # 302, Fort Pierce FL 34949?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,565/mo — principal and interest, the actual property-tax bill, the $789/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 3 Harbour Isle Drive # 302, Fort Pierce FL 34949?+
The association fee works out to $789 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3 Harbour Isle Drive # 302, Fort Pierce FL 34949?+
The most recent tax bill on record (2024) was $5,189. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3 Harbour Isle Drive # 302, Fort Pierce FL 34949?+
The listing reports pets: 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 Fort Pierce?+
At $725,000, this home is listed about 127% above the Fort Pierce median of $319,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3 Harbour Isle Drive # 302, Fort Pierce FL 34949?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$725,000 runs 99% above the FORT PIERCE 34949 median — but at 1,989 sqft it's also 36% larger than the typical Fort Pierce listing.
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 $789/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
279 days on market against a Fort Pierce median of 65 — sellers in this position are usually ready to negotiate.
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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