Atlantic Luxury AdvisorsKeller Williams Realty Services

75 photos

1009 NW Terrace Rd

Stuart, FL 34994

$2,599,000
6
4.5
4,394 sq ft
13,689 sq ft
2014
2 car
Single Family Residence
$0/mo
Yes
Yes
2
Active

Listing courtesy of One Sotheby's International Realty. Contact: 772-287-1777.

About this home

In Stuart, life has always followed the water. Fishing boats leave before sunrise, afternoons unfold along the river, and evenings bring families and friends together in a downtown that has preserved much of its old Florida character. Along the North Fork of the St. Lucie River, 1009 NW Terrace Road offers a place within that story. Incorporated in 1914, Stuart has grown without losing the qualities that have defined it for generations. Historic streets, locally owned shops, waterfront restaurants, and a community whose connection to the water runs deep. Known as the Sailfish Capital of the World, Stuart remains a place where fishing is more than a pastime and time spent on the water is part of everyday life. Positioned on 0.31 acres with 81 feet of waterfrontage, the property offers a setting increasingly difficult to find. With no fixed bridges between the property and open water, offshore fishing grounds are approximately 10 minutes away by boat, depending on conditions. In the other direction, Historic Downtown Stuart is just moments from home, with its boutiques, restaurants, and Riverwalk overlooking the St. Lucie River. Built in 2014, the residence reflects a balance of enduring construction and comfortable waterfront living. The first level is constructed of concrete block (CBS), while the second features frame construction, with impact windows and doors throughout. Terrazzo floors anchor the first level, giving way to genuine hardwood flooring upstairs. Across 4,394 square feet of interior living space and 5,823 square feet in total, five bedrooms, five full bathrooms, and one half bathroom provide room for extended family, visiting friends, and the kind of weekends that have long been part of life along the river. Yet the significance of this property reaches beyond its architecture or square footage. Homes can be renovated, rooms reimagined, and finishes changed with time. What remains is the land, the relationship to the river, and a location within one of Florida's most established waterfront communities. At 1009 NW Terrace Road, the appeal is not simply owning a home on the water. It is becoming part of a way of life that has shaped Stuart for more than a century.

Virtual tour
What it costs to own
Estimated monthly payment
$18,189/mo
Principal and interest
$13,142
Property tax
$3,422
Homeowners insurance
$1,625
HOA
$0

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
$41,066/yr

Estimate: the price times the Martin County average total millage (16.06 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.

The full yearly cost of owning this home: property tax levy by levy from the published millage of the parcel’s taxing district (a mailing city is not always inside its city limits), the Save Our Homes cap, HOA and the insurance quotes to get.

HOA
$0/mo (from the listing)
FEMA flood zone
Lookup unavailable. Check the FEMA map
Hurricane evacuation zone
Lookup unavailable. Know your zone

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
Location from the listing's MLS coordinatesMap data © OpenStreetMap contributors

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 Services. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.