1104 NW 12th Terrace, Stuart FL 34994, STUART, FL, 34994
Active366 days on marketListed Aug 3, 2025MLS #R11112642
About this home
1104 NW 12th Terrace, Stuart FL 34994
Charming 3 bedroom, 3 bathroom house has amazing covered and screened pool patio perfect for entertaining or taking a nap! The house is meticulously maintained, contains an open layout, and has impact windows throughout. Pool is fully screened and 2500 SQ feet of enclosed living space makes house feel huge! Home is on pet and peaceful street with no HOA. Fully fenced yard for your pets and privacy. Brand new indoor slider creates perfect home office or opportunity for 4th br with own bathroom! Bring your boat! Location is close to US1, shopping, Stuart and Jensen Beach downtowns, and the beaches! Live in America's Best Small Coastal Town! Furnishings negotiable.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,650
Sqft
1
Garage
1976
Year built
1
Levels
$485
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,107 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,107/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Stuart actives
$485 vs $265
Days on market
366 vs 67 typical
Where $485/sqft sits among the 400 Stuart actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Lake Park
Get to know Stuart. See the full Stuart guide →
Palm Lake Park — neighborhood snapshot
Population
374
Median age
64
Median income
$54,639
Median home value
$186,800
Avg household
2
Households w/ children
17%
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$640K → $446K
Stuart median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
42 of 400
Stuart actives have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 345% above the STUART 34994 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 1104 NW 12th Terrace
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$330,000
1121 NW 15th Terrace, Stuart FL 34994 · same community
3 bd · 3 ba · 1,330 sqft · $248/sqft · 160 DOM
Sold · Nov ’25$355,000
1026 NW 16th Street, Stuart FL 34994 · same community
2 bd · 2 ba · 1,325 sqft · $268/sqft · 3 DOM
Sold · Oct ’25$449,250
1582 NW Palm Lake Dr, Stuart FL 34994 · same community
4 bd · 2 ba · 2,100 sqft · $214/sqft · 63 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1104 NW 12th Terrace — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1104 NW 12th Terrace — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
1104 NW 12th Terrace FAQs
What would the monthly payment be for 1104 NW 12th Terrace, Stuart FL 34994?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,107/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1104 NW 12th Terrace, Stuart FL 34994?+
The most recent tax bill on record (2025) was $3,960. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1104 NW 12th Terrace, Stuart FL 34994?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Stuart?+
At $800,000, this home is listed about 86% above the Stuart median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1104 NW 12th Terrace, Stuart FL 34994?+
Felix A Williams Elementary School (elementary), Jensen Beach High School (high), Stuart Middle School (middle) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$800,000 runs 345% above the STUART 34994 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
366 days on market against a Stuart median of 67 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Felix A Williams Elementary School, Jensen Beach High School, Stuart Middle School — Felix A Williams Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $900,000, now $800,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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