Gated Community · Palm City, FL
Harbour Island At Palm Cove Palm City, FL Homes For Sale & Real Estate
Harbour Island At Palm Cove, Palm City, FL, is a gated community in Martin County with 1 home for sale right now. Harbour Island At Palm Cove is a gated community in Palm City, Martin County, Florida.
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Harbour Island At Palm Cove Market at a Glance
Live MLS · Updated Oct 14, 2026
- Active Inventory
- 1
- New Listings (30d)
- 1
- Pending Sales
- 0
- Median List Price
- $768,000
- Avg Days on Market
- 38
Residential MLS data for Harbour Island At Palm Cove, updated nightly. View full market reports →
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Market Overview
Harbour Island At Palm Cove real estate market
There is 1 home for sale in Harbour Island At Palm Cove right now. It is listed at $768,000, about $279 per square foot. With so few homes on the market, these asking prices describe that home rather than Harbour Island At Palm Cove as a whole, so recent closed sales are the better guide to value here. These figures update from the MLS as the market moves.
Harbour Island At Palm Cove Market Stats
MLS data updated October 5, 2026- Active Listings
- 1
- Median List Price
- $768,000
- Median $/Sq Ft
- $279
- Avg Days on Market
- 38
- Price Range
- $768,000 to $768,000
Frequently Asked Questions
- How many homes are for sale in Harbour Island At Palm Cove?
- There is 1 home for sale in Harbour Island At Palm Cove right now, and the count updates from the MLS nightly as homes come on the market and go under contract. Inventory this thin means a buyer who wants to live in Harbour Island At Palm Cove is usually waiting for the next listing rather than choosing between several, so it pays to be ready before one appears. Ask us to set up a search alert and you will see new Harbour Island At Palm Cove listings the day they reach the market.
- What do homes in Harbour Island At Palm Cove cost?
- The one home for sale in Harbour Island At Palm Cove is listed at $768,000, about $279 per square foot. An asking price is one seller's opinion, and with so few listings it says more about that house than about Harbour Island At Palm Cove. Recent closed sales in Harbour Island At Palm Cove are the better measure, and we can pull them for a specific home.
- Is Harbour Island At Palm Cove a gated community?
- Yes. Harbour Island At Palm Cove is a gated community with controlled access at the entrance.
About Harbour Island At Palm Cove
Harbour Island At Palm Cove, Palm City, FL, is a gated community in Martin County with 1 home for sale right now. Harbour Island At Palm Cove is a gated community in Palm City, Martin County, Florida. Active listings are priced from $515,000. Homes were built starting 2004. Pure Equity lists homes in Harbour Island At Palm Cove and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.
Homes & Architecture
Homes for sale in Harbour Island At Palm Cove
Homes for sale in Harbour Island At Palm Cove offer 3 bedrooms and 3.5 baths. Living areas are around 2,750 square feet. The mix here includes townhouse homes.
Schools
Schools near Harbour Island At Palm Cove
Homes for sale in Harbour Island At Palm Cove are typically zoned for the Palm City public schools below, based on current MLS listings. Confirm the exact attendance zone for any specific address with the Martin County school district before you buy.
- Elementary School
- Bessey Creek
- Middle School
- Hidden Oaks
- High School
- Martin County
Map
Where Harbour Island At Palm Cove is in Palm City
Centred on the homes listed and recently sold in Harbour Island At Palm Cove.
Market & Value
Harbour Island At Palm Cove market and home values
The Harbour Island At Palm Cove real estate market reads best through the community's own recent activity, not a county-wide average. Only one home is for sale in Harbour Island At Palm Cove right now, listed at $768,000 or about $279 per square foot, so there is no meaningful asking median to compare with the Martin County figure. Recorded closings are the better guide, because they show what buyers in Harbour Island At Palm Cove actually paid. For pricing an offer or a listing, comparable sales within Harbour Island At Palm Cove carry more weight than any headline number, since homes of the same type and size set the real range. Pure Equity can pull the active and recently sold homes in Harbour Island At Palm Cove so you work from real numbers, not an estimate.
How It Compares
Harbour Island At Palm Cove compared to nearby Palm City communities
Harbour Island At Palm Cove has only 1 home for sale, so its row reflects that listing rather than a community median. Price per square foot is the fairer comparison between communities, because it adjusts for the fact that one neighborhood builds bigger homes than another. Days on market shows how quickly each one is actually selling.
| Community | Homes | Median | $/Sq Ft | Days |
|---|---|---|---|---|
| Palm City Farms | 13 | $1,495,000 | $538 | 162 |
| Highlands Reserve | 7 | $845,000 | $248 | 89 |
| Harbour Island At Palm Cove this page | 1 | $768,000 | $279 | 38 |
| Pipers Landing | 16 | $712,000 | $227 | 57 |
| Newfield Crossroads | 15 | $530,110 | $305 | 37 |
| Harbour Ridge | 6 | $530,000 | $249 | 153 |
| Pine Ridge At Martin Downs | 10 | $222,450 | $194 | 166 |
Medians come from active listings in each community and move as inventory turns over. They describe the homes currently for sale, not what any one home is worth.
Who It Suits
Is Harbour Island At Palm Cove right for you?
It helps to know who Harbour Island At Palm Cove tends to suit before you tour. Harbour Island At Palm Cove works well for families and professionals who want the security and quieter streets of a gated community, often near the schools, shopping, and commuting routes of Palm City. Whether Harbour Island At Palm Cove is right for you depends on how you plan to use the home, full time or seasonally, and Pure Equity can walk you through the tradeoffs before you commit.
Amenities & Lifestyle
Living in Harbour Island At Palm Cove
The community is gated, with controlled access at the entrance.
Location
Harbour Island At Palm Cove location
Harbour Island At Palm Cove is located in Palm City, part of Martin County, Florida. Residents are close to the shopping, dining, schools, and parks of the Palm City area, with the wider job centers, beaches, and airports of the region within driving distance.
Buying in Harbour Island At Palm Cove
Buying a home in Harbour Island At Palm Cove
The buying process in Harbour Island At Palm Cove is the one used across Martin County. Getting a mortgage pre-approval first tells you your real budget and lets you move quickly when the right home comes up. Ask for the association's governing documents, budget, and reserve study before you write an offer. Association fees, any club or membership costs, and rules on rentals, pets, and leasing vary by community and materially affect the true cost of ownership. Property taxes factor into the monthly payment: the median annual property tax in Martin County is about $3,120. Florida's homestead exemption lowers the taxable value of a primary residence, and the Save Our Homes cap limits how fast that assessed value can rise from year to year. Budget for homeowners insurance as well. Rates in Florida reflect wind and flood exposure, so gather quotes early and check whether a specific address sits in a FEMA flood zone. Once you are under contract, plan for a home inspection and, if you are financing, a lender appraisal, both of which fall inside the inspection period. Working with an agent who knows Palm City means you see new listings in Harbour Island At Palm Cove the day they reach the market.
Selling in Harbour Island At Palm Cove
Selling a home in Harbour Island At Palm Cove
Selling a home in Harbour Island At Palm Cove starts with pricing it correctly for current conditions. Homes that are decluttered, professionally photographed, and priced to recent comparable sales tend to draw the most interest in the first two weeks, when a listing is newest and gets the most views. Buyers in an association community also want to see the HOA or condo docs, the reserve study, and any pending or special assessments up front, so having those ready before you list avoids delays once you are under contract. Florida sellers usually pay the documentary stamp tax on the deed, currently $0.70 per $100 of the sale price in most counties, along with prorated property taxes and, by local custom in many areas, the owner's title insurance policy. We provide a no-obligation home valuation for Harbour Island At Palm Cove owners in Palm City, so you can see what your property could sell for before you commit to listing.
Thinking of Selling?
What is your Harbour Island At Palm Cove home worth?
Online estimates miss what makes a home different. Tell us about yours and a licensed listing agent will send you a pricing opinion based on what has actually closed near you in Harbour Island At Palm Cove.
Listing agents and seller representation in Harbour Island At Palm Cove
Thinking about selling in Harbour Island At Palm Cove? The agent you pick shapes two numbers: what your home closes for, and how long it takes. A listing agent, also called a seller's agent, prices the property against what has actually closed nearby. They also prepare and market it, screen the offers that arrive, and negotiate the terms rather than just the price.
Conditions in Harbour Island At Palm Cove sit close to balanced, which rewards sellers who price against real closed sales instead of neighboring asking prices.
Community-level detail matters most here. Association rules, what the fees cover, and which buildings sell fastest all affect your outcome. So does whether a buyer needs board approval before closing. None of it appears in a listing description. All of it decides whether a sale closes on time.
Pure Equity is a licensed Florida brokerage serving Harbour Island At Palm Cove. Onias Derilus is the broker of record, Florida Real Estate Broker license BK3276618. A broker holds a higher license than an agent working under one. In practice that means the person advising you on price is also the one legally responsible for the file. That matters most when a deal gets complicated.
More on this: listing agents in Palm City · questions to ask a listing agent · selling a house with a pool
Realtors and real estate agents serving Harbour Island At Palm Cove
People search for realtors, real estate agents, and real estate brokers more or less interchangeably. For most purposes the job title matters less than licensing and representation. Every licensed agent in Florida works under a broker. That broker carries final responsibility for the transaction.
What separates real estate professionals in Harbour Island At Palm Cove is specificity. Can they answer questions about your street, not just your city? Ask what they have closed nearby and how they arrived at a price. A grounded answer cites particular recent sales. It also explains why those homes compare to yours. Vague reassurance is the warning sign.
More on this: zestimate vs CMA: how accurate are online estimates? · what affects home value in South Florida? · when and how to price your home
Buyer's agents in Harbour Island At Palm Cove
A buyer's agent represents the purchaser rather than the owner. They identify properties that actually fit and research what comparable homes sold for, not what they asked. They also advise on offer strategy. Finally, they manage inspection and financing deadlines through to closing.
Where buyers have room to negotiate, as they do in Harbour Island At Palm Cove, the leverage is only worth something if you know where it exists and what to ask for. If you are buying and selling at the same time, which is common for people moving within Martin County, sequencing the two is its own skill: contingencies, timing, and what happens if one closing slips all need planning before either home goes on the market.
What representation costs
Real estate commissions are negotiable. No law, multiple listing service, or association sets them. If an agent tells you there is a standard rate, they are misinforming you. What you pay is agreed between you and the brokerage you hire. Get it in writing before the work begins.
Industry rules changed in 2024. Now a buyer and their agent must put compensation in a written buyer agreement before touring homes together. Sellers may still offer to contribute toward the buyer's side. However, that is negotiated rather than assumed. It is worth thinking through with your listing agent before you go live.
More on this: how commission is actually structured · repair before listing, or sell as it stands? · staging, and what it is actually for
Buying Instead?
Search Harbour Island At Palm Cove with someone local
We will tell you which listings are worth your time, what comparable homes actually closed for, and how to structure an offer that holds up through inspection and financing.
Frequently asked questions
How do I find a listing agent in Harbour Island At Palm Cove?
Ask any listing agent you interview two questions. Which homes have they closed near Harbour Island At Palm Cove, and how did they arrive at their suggested price? A grounded answer names recent closed sales. It also explains why those homes compare to yours. Optimistic pricing costs sellers more than almost any other decision. Verify the license too. Florida licenses are public and searchable through the state's DBPR portal. Pure Equity is a licensed brokerage serving Martin County. You can reach the broker directly at (561) 835-5400.
What does a seller's agent actually do?
A seller's agent prices the home against comparable closed sales. Before it goes live, they advise on repairs and presentation. Then they handle photography and marketing, and put the home in front of buyers and other agents. When offers arrive, they screen them and negotiate both price and terms. Terms matter as much as the number, because inspection windows, financing contingencies, and closing dates all affect whether an offer reaches the closing table.
How much does a real estate agent cost in Harbour Island At Palm Cove?
Commissions are fully negotiable. No law or real estate board sets them. What you pay is whatever you and your brokerage agree to in writing before work begins. Since the 2024 rule changes, buyers and their agents must agree compensation in a written buyer agreement before touring homes. Any seller contribution toward the buyer's side is negotiated rather than automatic. Ask any agent you interview to put their fee in writing.
What is the difference between a realtor, a real estate agent, and a broker?
A real estate agent holds a state license to represent buyers and sellers. A broker holds a higher-level license and can operate a brokerage. That broker also carries final legal responsibility for the office's transactions. Realtor is a membership term for agents belonging to the National Association of Realtors. For someone buying or selling in Harbour Island At Palm Cove, three practical questions matter. Is the person licensed, who do they represent in your transaction, and what can they actually tell you about your local market?
Do I need an agent to buy a home in Harbour Island At Palm Cove?
You are not legally required to use one, but most buyers in Harbour Island At Palm Cove do. A buyer's agent handles the parts that are easy to get wrong. That means identifying what comparable homes actually closed for, spotting condition or association issues early, and managing inspection and financing deadlines. Even in a slower market, negotiating room is only useful if you know where it exists.
Can one agent help me sell my current home and buy the next one?
Yes. For people moving within Martin County it is often the more practical route, because one person coordinates both timelines. Sequencing is the hard part. Should your purchase be contingent on your sale? How would you cover a gap if the closings do not line up? What happens if one side is delayed? Plan all of that before either home is listed, rather than after an offer arrives.
Public Records
Look up Harbour Island At Palm Cove property records
Anything on this page that affects what a home costs to own, assessed value, exemptions, flood zone, is published by a public agency. These are the official sources, not our summaries of them.
Martin County Property Appraiser
Assessed value, homestead exemption status, and recorded sales history for any parcel.
FEMA Flood Map Service Center
Look up the official flood zone for an address before you budget for insurance.
Florida Department of Revenue, property taxes
How Florida assesses property, and which exemptions you can claim.
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