Atlantic Luxury Advisors
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11 photos

3195 SPANISH CEDAR

Fort Pierce, FL 34946

$394,010
4
3
1,884 sq ft
6,255 sq ft
2026
2 car
Single Family Residence
$141/mo
Yes
25
Active

Listing courtesy of Lennar Realty (J. Richelle R Smart). Contact: [email protected].

About this home

This new single-story home features two peaceful bedrooms with a convenient hall bathroom situated to the side of the foyer, while a third bedroom is right around the corner. Further down the foyer is a modern kitchen that melds into the dining room and a spacious family room. Through glass sliders is a large covered patio for outdoor entertainment. In a rear corner is the tranquil owner's suite with an attached bathroom and walk-in closet. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only.

What it costs to own
Estimated monthly payment
$3,014/mo
Principal and interest
$1,992
Property tax
$631
Homeowners insurance
$250
HOA
$141

An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.

Florida cost of ownership
Estimated property tax
$7,573/yr

Estimate: the price times the St. Lucie County average total millage (21.56 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.

HOA
$141/mo (from the listing)
FEMA flood zone
Zone AE, special flood hazard area

Inside the 1% annual chance floodplain. Lenders require flood insurance on a financed home; ask for the elevation certificate.

Hurricane evacuation zone
Zone A: first to evacuate, ordered for tropical storms and every hurricane category.

Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.

Location

Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.