Atlantic Luxury Advisors
2878 Turtle photo 12878 Turtle photo 22878 Turtle photo 32878 Turtle photo 42878 Turtle photo 5

53 photos

2878 Turtle

Palm City, FL 34990

$925,000
4
3
2,833 sq ft
2000
2 car
Single Family Residence
$100/mo
Yes
0
Active

Listing courtesy of Beycome of Florida LLC (Steven Koleno). Contact: [email protected].

About this home

Renovated Move-In-Ready CBS Preserve View Home with Whole-House Impact Windows, 2025 Tile Roof & Heated Pool and Spa This 4-bedroom plus office, 3-bath single-story home features 2,800 sq ft in the desireable gated Preserve at Hammock Creek community, featuring low HOA fees and no required golf membership. Major upgrades include a 2025 tile roof with double peel-and-stick waterproof membrane, foam-set tile installation, transferable 15-year warranty, oversized 7-inch gutters, whole-house hurricane-impact windows and sliders, and fresh exterior paint. The backyard features a 16' x 30' heated saltwater pool, 7' x 12' sun shelf, 6' x 8' raised spa, full automation, and approximately 1,100 sq ft of marble decking. The fully fenced yard backs to a wooded preserve with no rear neighbors. The outdoor kitchen includes a built-in grill, flat-top griddle, integrated trash storage, counter space, and bar seating. The remodeled kitchen features light natural-stone quartzite countertops, two-tone cabinetry, GE Café double ovens, and an induction cooktop. Neutral wood-look tile runs throughout with no carpet. Interior paint was refreshed in 2026, along with updates to both guest bathrooms. The garage features an epoxy-coated floor. A high-efficiency Trane variable-speed HVAC system was installed in 2023 with a transferable 10-year parts-and-labor warranty. A Rheem 65-gallon high-efficiency hybrid heat-pump water heater was also installed in 2023. Situated on approximately 0.36 acres on a cul-de-sac in the Martin County School District, with convenient access to major highways. The home combines extensive interior, exterior, mechanical, and outdoor-living upgrades with a preserve setting and no rear neighbors. Some photos have been virtually rendered.

What it costs to own
Estimated monthly payment
$6,534/mo
Principal and interest
$4,677
Property tax
$1,182
Homeowners insurance
$575
HOA
$100

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
$14,182/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.

HOA
$100/mo (from the listing)
FEMA flood zone
Zone X, moderate risk

Outside the special flood hazard area (0.2% annual chance). Flood insurance is optional and usually priced lower.

Hurricane evacuation zone
Not in a designated evacuation 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.

Florida risk
Ground elevation
18.0 ft

Bare ground at the point (USGS 3DEP, NAVD88), not the finished floor.

Distance to the coast
5.6 mi

Straight line to the nearest salt-water shoreline (ocean, bay or lagoon).

NFIP flood policies nearby
$720 to $1,160 a year

Middle half of 1,254 NFIP single-family policies in ZIP 34990, zone X, policies effective 2025-10-02 to 2026-10-02. What owners paid, not a quote for this home.

Sources: FEMA National Flood Hazard Layer (panel 12085C0143H, effective 2020-02-19), USGS 3DEP, Florida Division of Emergency Management, OpenStreetMap coastline, FEMA OpenFEMA NFIP policies. Checked 2026-10-02. Wind and homeowners premiums are not shown: no public source publishes them at this level, and they vary with roof age, construction and the carrier. Public map data looked up at this location, not a survey or an insurance quote. Confirm with an elevation certificate, the county and your insurer. FEMA flood map

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.