55+ Community · Stuart, FL
Montego Cove Stuart, FL Homes For Sale & Real Estate
Montego Cove, Stuart, FL, is a 55+ community in Martin County with 2 homes for sale right now. Montego Cove Condo is an age-restricted 55+ community in Stuart, Martin County, Florida, governed under the Housing for Older Persons Act (HOPA).
Get Listings Alerts
Be the first to know when a new home hits the market in Montego Cove.
Available Now
Market Overview
Montego Cove real estate market
There are 2 active listings for sale in Montego Cove right now. The median list price is $287,450, or about $191 per square foot. Listings span $279,900 to $295,000, so there is inventory across most budgets. Homes are averaging 142 days on market. These figures update from the MLS as the market moves.
Montego Cove Market Stats
MLS data updated September 27, 2026- Active Listings
- 2
- Median List Price
- $287,450
- Median $/Sq Ft
- $191
- Avg Days on Market
- 142
- Price Range
- $279,900 to $295,000
Frequently Asked Questions
- How many homes are for sale in Montego Cove?
- There are 2 active listings for sale in Montego Cove right now, and these counts update from the MLS as homes come on the market and go under contract. Prices sit in a narrow band here, so homes in Montego Cove tend to compete directly with each other. Ask us to set up a search alert and you will see new Montego Cove listings the day they reach the market.
- What is the median home price in Montego Cove?
- The median list price in Montego Cove is $287,450, or roughly $191 per square foot. The median is the midpoint of what is currently listed, so about half of Montego Cove homes ask more and half ask less, within a broader range of $279,900 to $295,000. The median sits near the middle of that range, so Montego Cove inventory is spread fairly evenly rather than bunched at one end. We can pull recent comparable sales to price a specific home more precisely.
- What price range do homes in Montego Cove cover?
- Homes for sale in Montego Cove currently range from about $279,900 at the entry level to $295,000 at the top of the market. That spread reflects unit size, floor, and finish level across the condos and townhomes here, with the median list price around $287,450. The spread is tight, which usually points to a consistent housing stock rather than a mix of sizes and eras. Tell us your budget and must-haves and we will send the Montego Cove listings that actually fit.
- How long do homes take to sell in Montego Cove?
- Homes in Montego Cove are averaging 142 days on market, measured from the day a listing goes live to the day it goes under contract. That is a slow pace, so sellers here should expect to price carefully and buyers often have time to compare before committing. Days on market in Montego Cove also shift with the season and with how a home is priced, so a sharply priced listing can still sell well ahead of the average.
- Is Montego Cove a 55+ community?
- Yes. Montego Cove is an age-restricted, 55-and-over active adult community, which generally means at least one resident per home must be 55 or older and the community is built around an active adult lifestyle. These communities usually pair lower-maintenance homes with amenities such as a clubhouse, pool, fitness center, and a full social calendar. Rules on age, occupancy, leasing, and pets are set by the HOA and vary, so confirm the current governing documents for Montego Cove before you write an offer.
- Is Montego Cove a gated community?
- Yes. Montego Cove is a gated community with controlled access at the entrance.
- Are there lakefront homes in Montego Cove?
- Yes. Many Montego Cove homes back onto community lakes, and lake-view lots are common in current listings. The water here is inland lake frontage rather than Intracoastal or ocean access, so do not expect navigable water or boat dockage.
About Montego Cove
Montego Cove, Stuart, FL, is a 55+ community in Martin County with 2 homes for sale right now. Montego Cove Condo is an age-restricted 55+ community in Stuart, Martin County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $289,000 to $324,900. At least one resident per home must be 55 or older. Pure Equity lists homes in Montego 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 Montego Cove
Homes for sale in Montego Cove offer 2 bedrooms and 2 baths. Living areas are around 1,506 square feet. The mix here includes condo homes. Current prices run from $279,900 to $295,000. The homes on the market were built between 1985 and 1986.
Schools
Schools near Montego Cove
Homes for sale in Montego Cove are typically zoned for the Stuart 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
- SeaWind
- Middle School
- Murray
- High School
- South Fork
Recent Sales
Recently sold homes in Montego Cove
These are the last 6 recorded closings in Montego Cove, with the price each home actually sold for rather than what it was listed at. They closed at a median of $169 per square foot. The most recent closed on September 17, 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.
Sold$320,000
Sold · September 17, 2026
3410 SE MARTINIQUE Trace 102
2 bed · 2 bath · 1,506 sqft · $212/sqft
$5,000 under the asking price
Sold$255,000
Sold · September 11, 2026
6030 SE Martinique Drive 102
2 bed · 2 bath · 1,506 sqft · $169/sqft
$23,900 under the asking price
Sold$215,000
Sold · July 10, 2026
6060 SE Martinique Drive 103
2 bed · 2 bath · 1,506 sqft · $143/sqft
$24,500 under the asking price
Sold$273,000
Sold · June 23, 2026
3401 SE Martinique Trace 102
2 bed · 2 bath · 1,506 sqft · $181/sqft
$16,000 under the asking price
Sold$160,000
Sold · June 12, 2026
6070 SE Martinique Drive 103
2 bed · 2 bath · 1,506 sqft · $106/sqft
$29,000 under the asking price
Sold$207,500
Sold · December 12, 2025
6011 SE Martinique Drive 103
2 bed · 2 bath · 1,506 sqft · $138/sqft
$15,000 under the asking price
See every recorded sale in Montego Cove or find out what your Montego Cove home is worth.
Market & Value
Montego Cove market and home values
Values in Montego Cove track the community's own sales more closely than any broad regional number. The median list price in Montego Cove is around $287,450, or roughly $191 per square foot. That sits about 42% below the Martin County median, which shows where Montego Cove lands in the local market. Recent asking prices have run from $279,900 to $295,000, so the home you choose within Montego Cove matters as much as the community average. Homes here have recently taken about 142 days to go under contract, a useful gauge of how quickly the Montego Cove market is moving. For pricing an offer or a listing, comparable sales within Montego 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 Montego Cove so you work from real numbers, not an estimate.
How It Compares
Montego Cove compared to nearby Stuart communities
Montego Cove sits 5 of 7 on median price among these Stuart communities. 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 |
|---|---|---|---|---|
| Sailfish Point | 17 | $3,495,000 | $1,062 | 127 |
| Mariner Sands | 25 | $635,000 | $255 | 141 |
| Port Salerno | 14 | $502,944 | $321 | 179 |
| Circle Bay Yacht Club | 17 | $325,000 | $299 | 101 |
| Montego Cove this page | 2 | $287,450 | $191 | 142 |
| Miles Grant | 19 | $189,900 | $170 | 82 |
| Vista Del Lago | 17 | $119,000 | $153 | 184 |
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 Montego Cove right for you?
A quick read on who fits Montego Cove saves time before you visit. As an age-restricted community, Montego Cove fits active adults, downsizers, and seasonal residents who want a lock-and-leave home and a full social calendar. At least one resident usually needs to meet the age requirement, so confirm the specific age rule and any younger-spouse provision before you buy. A lake view is a common ask here, since many Montego Cove lots back onto water without the flood exposure of a coastal address. On price, Montego Cove sits toward the more attainable end of the market, which draws first-time buyers, downsizers, and investors. Whether Montego 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 Montego Cove
The community is gated, with controlled access at the entrance. Many homesites in Montego Cove back onto community lakes, so lake views and water frontage are common here even though the community sits inland. As an age-restricted community, Montego Cove centers on an active adult lifestyle, with amenities and a social calendar built for residents 55 and over.
Location
Montego Cove location
Montego Cove is located in Stuart, part of Martin County, Florida. Residents are close to the shopping, dining, schools, and parks of the Stuart area, with the wider job centers, beaches, and airports of the region within driving distance.
Buying in Montego Cove
Buying a home in Montego Cove
Buying in Montego Cove follows the same path as the rest of 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 Stuart means you see new listings in Montego Cove the day they reach the market.
Selling in Montego Cove
Selling a home in Montego Cove
A successful sale in Montego Cove comes down to pricing, presentation, and marketing. List prices in Montego Cove currently center around $287,450, which is a starting reference for where a comparable home might be positioned. 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 Montego Cove owners in Stuart, so you can see what your property could sell for before you commit to listing.
Thinking of Selling?
What is your Montego 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 Montego Cove.
Listing agents and seller representation in Montego Cove
Thinking about selling in Montego 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 Montego Cove sit close to balanced, which rewards sellers who price against real closed sales instead of neighboring asking prices. Homes here are averaging about 142 days from listing to accepted offer, so build that into your moving timeline.
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 Montego 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 Stuart · what is an exclusive right of sale listing? · selling a house with a pool
Realtors and real estate agents serving Montego 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 Montego 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: how much is my house worth in South Florida? · what is a comparative market analysis? · Florida seller disclosures and inspections
Buyer's agents in Montego 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 Montego 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 Montego 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 Montego Cove?
Ask any listing agent you interview two questions. Which homes have they closed near Montego 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. With a median around $287,450 here, the gap between realistic pricing guidance and optimistic guidance is real money. 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 Montego 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 Montego 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 Montego Cove?
You are not legally required to use one, but most buyers in Montego 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 Montego 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.
More Communities in Stuart
Leisure Village
55+ Community
Mariner Sands
Gated Community
Miles Grant
55+ Community
Sailfish Point
Waterfront Community
Circle Bay Yacht Club
55+ Community
Vista Del Lago
55+ Community
Port Salerno
New Construction
Kingswood
55+ Community
King Mountain Condo (Aka Monterey Yacht & Country
55+ Community
King Mountain Condo Monterey Yacht & Country Club
55+ Community
Martins Crossing
Community
Sailfish Cay
Community
Nearby Communities in Martin County
Related Reading
Montego Cove Reading
Home Buying Tips · July 7, 2026
Towns Near Stuart, Florida: Where to Live on the Treasure Coast
Stuart anchors Martin County, but some of the best value and lifestyle on the Treasure Coast is in the towns around it. Here is how Palm City, Jensen Beach, Hobe Sound, and the rest compare.
Real Estate Education · June 25, 2026
Is Stuart a Good Place to Live? A Local Look at the Sailfish Capital
Is Stuart a good place to live? The small Treasure Coast city trades big-city pace for a walkable downtown, calm rivers, and easy access to the Atlantic. Here is the honest local picture.