How do I schedule a tour of 2195 SW Shoal Creek Trace, Palm City, FL 34990?

Use the Tour button on this listing to request a showing of 2195 SW Shoal Creek Trace, Palm City, FL 34990. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.

Is 2195 SW Shoal Creek Trace, Palm City, FL 34990 still available?

2195 SW Shoal Creek Trace, Palm City, FL 34990 is currently listed as Under Contract, and has been on the market 28 days. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.

How much is the monthly payment for 2195 SW Shoal Creek Trace, Palm City, FL 34990?

With 20% down ($95,800) on the $479,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 2195 SW Shoal Creek Trace, Palm City, FL 34990 is about $2,517/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.

How do I get pre-approved to buy 2195 SW Shoal Creek Trace, Palm City, FL 34990?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 2195 SW Shoal Creek Trace, Palm City, FL 34990. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.

Does 2195 SW Shoal Creek Trace, Palm City, FL 34990 have an HOA fee?

Yes: 2195 SW Shoal Creek Trace, Palm City, FL 34990 carries an HOA fee of about $1,225 quarterly (Charter Club at Martin Downs HOA Inc.). HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.

What schools serve 2195 SW Shoal Creek Trace, Palm City, FL 34990?

2195 SW Shoal Creek Trace, Palm City, FL 34990 is zoned for Bessey Creek (elementary), Hidden Oaks (middle), Martin County (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.

Can I negotiate the price of 2195 SW Shoal Creek Trace, Palm City, FL 34990?

Often, yes. The right offer on 2195 SW Shoal Creek Trace, Palm City, FL 34990 depends on how it's priced against comparable single family sales in Palm City, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Under Contract

28 Days on Market

1 / 30

All Listings

$479,000

2195 SW Shoal Creek Trace

Palm City, FL 34990

CHARTER CLUB AT MARTIN DOWNS

Explore the area: Palm City homes for sale · Martin County real estate

Price Check

How this price compares

Asking price: $479,000
Price per sq ft: $274
Vs. nearby sales: 3.9% below
Days on market: 28

This 3-bedroom single-family home in ZIP 34990 went under contract with an asking price of $479,000, or $274 per square foot. The asking price has come down 2% from its original $489,000. It spent 28 days on the market before going under contract. The 3 most recent single-family home sales in the closings shown below sold at a median of $285 per square foot, so the asking price was 3.9% below what comparable homes here actually sold for.

Bedrooms

Bathrooms

1,751

Living Sq Ft

1989

Year Built

Estimated monthly payment

$2,517 /mo

Principal and interest only, based on $95,800 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance are not included.

Customize this estimate

Listing Snapshot

Price: $479,000
Days on Site: 28 Days
Bedrooms: 3
Total Baths: 3
Full Baths: 2
Partial Baths: 1
Living Area: 1,751 sqft
Total Sq Ft: 2,171 sqft
Lot Size: 0.14 Acres
Year Built: 1989
Property Type: Single Family
MLS #: B26057985
Property Tax: $6,682 (2025)
HOA Fees: $1,225 / Quarterly
Subdivision: CHARTER CLUB AT MARTIN DOWNS
County: Martin
Status: Under Contract
Special Conditions: Standard

About This Property

Welcome to Charter Club at Martin Downs! This beautifully maintained 3 bedroom, 2.5 bath home offers an open-concept layout with high ceilings, a 1st floor primary suite and peaceful lake views. Enjoy indoor-outdoor living from the covered, screened patio, perfect for relaxing or entertaining. Additional features include impact windows, an EV charging station, and access to community amenities including a pool and tennis courts. Conveniently located near shopping, dining, golf, I-95, and the Turnpike.

Virtual Tour

General Features

Property Type: Single Family
Status: Under Contract
Year Built: 1989
Property Condition: Resale
Number of Stories: 2
Levels: Two
Garage Spaces: 2
Attached Garage: Yes
Parking: Attached / Driveway / Electric Vehicle Charging Stations / Garage / Garage Door Opener
Direction Faces: Southwest
Lot Size (Acres): 0.14
Living Sq Ft: 1,751
Total Sq Ft: 2,171
Structure Type: House
Sewer: Public Sewer
Water Source: Public
Zoning: Residential

Interior Features

Appliances: Dishwasher / Electric Range / Electric Water Heater / Microwave / Refrigerator / Water Heater
Cooling: Central Air
Heating: Central
Flooring: Ceramic Tile / Laminate
Interior Features: Breakfast Area / Dual Sinks / Living Dining Room / Main Level Primary / Split Bedrooms / Separate Shower / Vaulted Ceilings
Laundry: Inside / Laundry Room
Main Level Bedrooms: 1
Main Level Baths: 2
Total Rooms: 9
Furnished: Unfurnished

Exterior Features

Construction: CBS Concrete Block Structure / Block / Concrete / Stucco
Roof: Barrel / Tile
Exterior Features: Outdoor Living Area
Pool Features: Association / Heated
Patio & Porch: Covered / Patio / Screened
Lot Features: Interior Lot / Landscaped / Sprinklers Automatic / Less Than Quarter Acre
Waterfront: Yes
Waterfront Features: Lake Front
View: Lake

Community & HOA

HOA Fee: $1,225 / Quarterly
HOA Name: Charter Club at Martin Downs HOA Inc.
HOA Includes: Common Areas / Cable Tv / Internet / Maintenance Grounds / Recreation Facilities / Security
Association Amenities: Pickleball / Pool / Spa Hot Tub / Tennis Courts
Community Features: Home Owners Association / Gated
Security: Security System / Gated Community
Utilities: Electricity Connected / Sewer Connected / Water Connected
Pets Allowed: Pet Restrictions / Yes
Financing Terms: Cash / Conventional / FHA / Va Loan
Restrictions: Buyer Approval Required / No Boats / No Motorcycles / No Rv / No Truck / No Trailer Parking / Ok To Lease / See Remarks
MLS Area: 6090 - Palm City

Schools

Elementary School: Bessey Creek
Middle School: Hidden Oaks
High School: Martin County

About the Community

Charter Club At Martin Downs

View Community Details →

Homes for Sale: 2
Median List Price: $439,000
Median $/Sq Ft: $236
Avg Days on Market: 68

View all 2 homes for sale in Charter Club At Martin Downs →

Frequently Asked Questions

How do I schedule a tour of 2195 SW Shoal Creek Trace, Palm City, FL 34990?: Use the Tour button on this listing to request a showing of 2195 SW Shoal Creek Trace, Palm City, FL 34990. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.
Is 2195 SW Shoal Creek Trace, Palm City, FL 34990 still available?: 2195 SW Shoal Creek Trace, Palm City, FL 34990 is currently listed as Under Contract, and has been on the market 28 days. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.
How much is the monthly payment for 2195 SW Shoal Creek Trace, Palm City, FL 34990?: With 20% down ($95,800) on the $479,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 2195 SW Shoal Creek Trace, Palm City, FL 34990 is about $2,517/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.
How do I get pre-approved to buy 2195 SW Shoal Creek Trace, Palm City, FL 34990?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 2195 SW Shoal Creek Trace, Palm City, FL 34990. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.
Does 2195 SW Shoal Creek Trace, Palm City, FL 34990 have an HOA fee?: Yes: 2195 SW Shoal Creek Trace, Palm City, FL 34990 carries an HOA fee of about $1,225 quarterly (Charter Club at Martin Downs HOA Inc.). HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.
What schools serve 2195 SW Shoal Creek Trace, Palm City, FL 34990?: 2195 SW Shoal Creek Trace, Palm City, FL 34990 is zoned for Bessey Creek (elementary), Hidden Oaks (middle), Martin County (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.
Can I negotiate the price of 2195 SW Shoal Creek Trace, Palm City, FL 34990?: Often, yes. The right offer on 2195 SW Shoal Creek Trace, Palm City, FL 34990 depends on how it's priced against comparable single family sales in Palm City, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Listing courtesy of RE/MAX Gold

Listing information is provided by BeachesMLS, Inc.and is deemed reliable but not guaranteed accurate by the MLS or Pure Equity. Information is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties. © 2026 BeachesMLS, Inc. Last updated August 1, 2026.

$479,000

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Listed by Jeannie Jacobson, RE/MAX Gold

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Recently sold homes in ZIP 34990

These are the last 6 recorded closings in ZIP 34990, with the price each home actually sold for rather than what it was listed at. They closed at a median of $285 per square foot. The most recent closed on September 30, 2026. Closed sales are what an appraiser and a buyer's agent will look at, so they are the starting point for pricing a home here.