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Property Description
RARE FIND IN THE HEART OF STUART! Beautifully updated 3BR / 2BA main home PLUS a fully permitted detached 440-sq-ft guest cottage with 1BR / 1BA, full kitchen and living room—1, 632 sq ft of finished living space across two buildings! Ideal for multigenerational living, guests or a private office. Step outside to a tropical retreat featuring an 8-ft heated and chilled cowboy pool, oversized fire pit, lush landscaping and inviting entertaining spaces. NO HOA! Offered furnished with select exclusions. Just across the bridge from Historic Downtown Stuart, near waterfront dining, shopping, beaches and Cleveland Clinic. This is anything but your typical 3-bedroom home! Some homes are defined by square footage. This one is defined by how beautifully it lives. Tucked into an established Stuart neighborhood just across the bridge from Historic Downtown, this special property brings together a beautifully updated main home, a separate guest cottage and an outdoor setting that feels like a private tropical escape. The main residence offers 3 bedrooms and 2 full bathrooms with comfortable, inviting spaces designed for everyday living. But what truly sets this property apart is the fully permitted, detached 440-sq-ft guest cottage. With its own bedroom, full bathroom, full kitchen and living room, it feels like a home of its own. Together, the two buildings provide 1, 632 sq ft of finished living space while maintaining the privacy and separation that make this property so versatile. The cottage also enjoys its own private fenced outdoor space—an exceptional setup for extended family, visiting guests, a private office or creative space, or simply having additional room without sacrificing anyone's independence or privacy. Then there is the backyard. Thoughtfully created as an extension of the home, this is the kind of outdoor space that makes you remember why you wanted to live in Florida in the first place. Tropical landscaping surrounds an 8-ft heated and chilled cowboy pool, while an oversized fire pit, lounging and gathering areas, ambient string lighting and inviting spaces for dining and entertaining create a backyard that is equally suited to quiet mornings, sunny afternoons and evenings under the lights. An electric-equipped storage shed adds useful additional space, and ample on-site parking serves both the main residence and guest cottage. Best of all—NO HOA. The home is being offered furnished with select seller exclusions, providing the opportunity for a beautifully curated, move-in-ready property without requiring every personal or decorative item seen in the home to convey. Specific furnishings and personal property included with the sale can be addressed separately. And while the property itself feels like a retreat, you're remarkably close to everything that makes Stuart such a special place to live. Historic Downtown Stuart is just across the bridge, putting waterfront dining, local shops and entertainment nearby, with beaches, Cleveland Clinic, shopping and major roadways also conveniently accessible. The main home is charming. The cottage is exceptional. The backyard is unforgettable. Together, they create something increasingly difficult to find in Stuart—a property with character, flexibility, privacy and a lifestyle all its own. Come see this one in person. The numbers only tell part of the story.
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Assumptions and Disclosures
- Interest rates and APRs presented are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details.
- This is not a credit decision or a commitment to lend.
- Depending on loan guidelines, mortgage insurance may be required
- If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available.
- APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan).
- Your monthly payment is not based on APR, but instead on the interest rate on your Note.
- Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
- These special rates presented here are only available when you pre-qualify and are not guaranteed until lock-in.
- Amounts may be rounded up. Additional fees and closing costs apply. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.
- Calculations are generated by Open Source mortgage calculation software tools using common mathematical formulas. All calculations should be independently verified.
- Please contact a loan specialist to get specific payment examples and information regarding your particular needs.
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