Palm City Homes under $400,000

Palm City Homes under $400,000

Welcome to Palm City, Florida—a hidden gem that perfectly balances the tranquility of suburban living with the vibrant energy of the Sunshine State. Nestled just west of Stuart and bordered by the beautiful St. Lucie River, Palm City offers residents a serene lifestyle surrounded by lush landscapes and stunning waterways. With its warm climate, abundant outdoor activities, and friendly community spirit, it’s no wonder that Palm City is a sought-after destination for families, retirees, and everyone in between.

One of the most appealing features of Palm City is its diverse real estate market, particularly homes priced under $400,000. Here, you can find charming single-family homes, cozy townhouses, and even some waterfront properties that make the most of Florida’s breathtaking scenery—all without breaking the bank. These affordable options provide an excellent opportunity for first-time homebuyers or those looking to downsize while still enjoying a vibrant community.

Residents of Palm City enjoy easy access to top-rated schools, beautiful parks, and a variety of recreational activities, including boating, fishing, and hiking. The local dining scene is equally enticing, with a range of restaurants offering everything from fresh seafood to international cuisine. Plus, with close proximity to the bustling city of Stuart, you’ll never run out of things to do.

Whether you’re searching for your first home or looking to invest in a peaceful retreat, Palm City offers a welcoming atmosphere and a bright future. Discover your perfect home in this charming Florida community today!

Newest Palm City Homes under $400,000

3585 SW Quail Meadow Trail, Palm City
$315,000
2 Beds ⋅ 2 Baths ⋅ B26084126 MLS
Discover coastal living in this beautifully updated 2/2/1 villa in the gated golf course community of Martin Downs. Home has been freshly painted with an open floor plan, soaring ceiling, updated guest suite and plantation shutters. The spacious, updated kitchen boasts granite counter tops, stainless appliances and a stunning view of the beautiful lawn, mature oak tree and the 5th hole. There is added space in the enclosed Florida room/office plus a built-in workspace in the secondary bedroom. New electric panel (2023), and AC (2021). Home includes a transferable The Village Club and Preserve membership for access to all of the community amenities (except golf) at just $65 per month. As is with right to inspect. All sizes and fees approximate.

3585 SW Quail Meadow Trail, Palm City
13268 Harbour Ridge Boulevard Unit 2A, Palm City
$168,500
3 Beds ⋅ 2 Baths ⋅ M20057070 MLS ⋅ Harbour Ridge - Mile Lake Village BLDG.
GREAT LOCATION! FURNISHED 2nd-floor corner/end unit offering 3 bedrooms, 2 full baths & covered detached carport. Enjoy beautiful golf course views of the 14th fairway of the Golden Marsh course from the screened patio. Bright, open living area features high ceilings & wood laminate flooring. Kitchen offers granite countertops & white cabinetry. Impact windows provide added peace of mind. Harbour Ridge is a private, mandatory-membership community featuring two 18-hole championship golf courses, 9 Har-Tru tennis courts, pickleball, fitness center & pool, waterfront clubhouse with 3 dining rooms, 2-mile riverfront walking path, biking, Yacht Club & marina. Boat slips available for additional fee. $125,000 Joining Fee ($1,000 refundable) due at closing. Monthly HOA includes Club Dues, Trail Fees, POA, Village HOA, Capital Funds Fees & applicable taxes.

13268 Harbour Ridge Boulevard Unit 2A, Palm City
2560 NW Seagrass Drive Unit 6B, Palm City
$199,900
2 Beds ⋅ 2 Baths ⋅ M20055129 MLS ⋅ Harbour Ridge - Bayhead Village BLDG.
RIVERFRONT CONDO with AMAZING VIEWS of the St. Lucie River! Ideally situated on the second floor, this beautifully maintained 2-bedroom, 2-bath residence features a desirable split floor plan, high ceilings, and luxury wood-plank laminate flooring throughout. Enjoy peace of mind with recent updates including 2025 interior and exterior paint and a 2023 A/C. Offered fully furnished turnkey, this is a perfect opportunity to move right in and start enjoying waterfront living at its finest. Harbour Ridge is a private, mandatory membership community featuring 2 beautiful 18-hole championship golf courses, 9 Har-Tru tennis courts, pickle-ball courts, fitness facility w/ pool, sprawling waterfront clubhouse w/ 3 dining rooms, 2-mile riverfront walking path, biking, yacht club, and marina with boat slips available for additional fee. $125,000 Joining Fee ($1,000 Refundable) due at closing. Monthly HOA Fee includes Club Dues, Trail Fees, POA, Village HOA, Capital Funds Fees & appropriate taxes.

2560 NW Seagrass Drive Unit 6B, Palm City
12481 Harbour Ridge Boulevard Unit 1-4, Palm City
$34,000
2 Beds ⋅ 2 Baths ⋅ M20052926 MLS ⋅ Harbour Ridge - Pond Apple Village BLDG.
Relax and unwind on the screened patio overlooking the lush fairway. Scenic 1st fairway views of the River Ridge Course, beautifully furnished 2-bedroom, 2-bath condominium, offering both comfort and style. Situated on the second floor, the home features vaulted ceilings and a desirable split floor plan for added privacy. Recent updates: a NEW A/C and impact windows, while stainless steel appliances bring a modern touch to the kitchen. Detached carport and separate garage for your golf cart. Harbour Ridge is a private, mandatory membership community featuring 2 beautiful 18-hole championship golf courses, 9 Har-Tru tennis courts, pickle-ball courts, fitness facility w/ pool, waterfront clubhouse w/ 3 dining rooms, 2-mile riverfront walking path, biking, yacht club, and marina with boat slips available for additional fee. $125,000 Joining Fee ($1,000 Refundable) due at closing. Monthly HOA Fee includes Club Dues, Trail Fees, POA, Village HOA, Capital Funds Fees & appropriate taxes.

12481 Harbour Ridge Boulevard Unit 1-4, Palm City
2120 NW Greenbriar Lane, Palm City
$388,000
3 Beds ⋅ 2 Baths ⋅ M20056137 MLS ⋅ Harbour Ridge - Green Briar Village BLDG.
Beautifully positioned on a quiet cul-de-sac, 3-bedroom, 2-bath home, 2-car garage plus a separate golf cart garage. The .44-acre lot with circular driveway offers exceptional privacy, picturesque sunsets, pond, and Golden Marsh #16 fairway views. Relax on the screened patio with an in-ground spa or enjoy the community pool just across the street. Recent updates include luxury vinyl plank flooring throughout, freshly painted kitchen cabinets, and stainless steel appliances. Roof 12/2021; A/C system 11/2021. Harbour Ridge is a private, mandatory membership community featuring two 18-hole championship golf courses, 9 Har-Tru tennis courts, pickle-ball courts, fitness facility w/ pool, waterfront clubhouse w/ 3 dining rooms, 2-mile riverfront walking path, biking, yacht club, and marina with boat slips available for additional fee. $125,000 Joining Fee ($1,000 Refundable) due at closing. Monthly HOA Fee includes Club Dues, Trail Fees, POA, Village HOA, Capital Funds Fees & taxes.

2120 NW Greenbriar Lane, Palm City
13009 Harbour Ridge Boulevard, Palm City
$239,900
3 Beds ⋅ 3 Baths ⋅ M20057071 MLS ⋅ Harbour Ridge - Figtree Village BLDG.
FURNISHED patio home offering 3 bedrooms, 2 full baths plus powder room, 2-car garage & generator. The 3rd bedroom is currently used as a Den/Office. Enjoy a private, peaceful setting from the screen-enclosed patio overlooking a small pond surrounded by lush landscaping. Tile flooring throughout the main living areas with carpet in bedrooms. Kitchen features Corian countertops, breakfast nook & large work island. Exterior of home & driveway painted in 2025. Harbour Ridge is a private, mandatory-membership community with two 18-hole championship golf courses, 9 Har-Tru tennis courts, pickleball, fitness center & pool, waterfront clubhouse with 3 dining rooms, 2-mile riverfront walking path, biking, Yacht Club & marina. Boat slips available for additional fee. $125,000 Joining Fee ($1,000 refundable) due at closing. Monthly HOA includes Club Dues, Trail Fees, POA, Village HOA, Capital Funds Fees & applicable taxes.

13009 Harbour Ridge Boulevard, Palm City
3664 SW Quail Meadow Trail, Palm City
$290,000
2 Beds ⋅ 2 Baths ⋅ A12097033 MLS
Discover easy Florida living in this beautifully updated 2-bedroom, 2-bath villa in Quail Meadow at Martin Downs, one of Palm City's established gated communities. Offering 1,331 sq. ft. of comfortable single-level living, this home features an open, airy floor plan with vaulted ceilings, abundant natural light, granite countertops, modern finishes, and spacious bedrooms with walk-in closets. The thoughtfully designed split-bedroom layout provides privacy, while the screened patio offers the perfect place to relax and enjoy peaceful golf course views. Additional conveniences include an attached one-car garage, in-unit laundry, and beautifully maintained tropical landscaping. Enjoy the comfort of a 24-hour guard-gated community with HOA services that include lawn care, exterior maintenance, cable, internet, and more. Ideally located minutes from shopping, dining, downtown Stuart, beautiful Treasure Coast beaches, I-95, and Florida's Turnpike. Whether you're seeking a full-time residence or a seasonal Florida retreat, this inviting villa combines comfort, convenience, and low-maintenance living in a desirable Palm City location.

3664 SW Quail Meadow Trail, Palm City
13424 Harbour Ridge Boulevard Unit 4A, Palm City
$55,000
2 Beds ⋅ 2 Baths ⋅ M20057098 MLS ⋅ Harbour Ridge Yacht & Cc-Palmetto Village BLDG.
FABULOUS BUY! Offered Furnished with a Garage. Light & Bright 2 Bedroom/2 Bath 2nd Floor Condo with high vaulted ceilings overlooking #11 of Golden Marsh Course. Wood Flooring, Plantation Shutters, & Screen Encloses Patio. Located in Harbour Ridge Y&CC with 2 Championship Golf Courses, Tennis, Pickle Ball, Fitness Center, Salon, Doggie Park, Nature Trail & Clubhouse on the St. Lucie River.$124,000 Non-Refundable Joining Fee & $1,000 Refundable Equity Due at Closing.Monthly HOA Fee includes Club Dues, Trail Fees, POA, Village HOA, Capital Fund Fees and appropriate taxes. NO CORPORATE BUYERS. Membership approval process includes: $500 application fee plus background/credit check. Additional financial information may be required to provide for credit scores below 740.

13424 Harbour Ridge Boulevard Unit 4A, Palm City
3678 SW Whispering Sound Drive, Palm City
$350,000
2 Beds ⋅ 2 Baths ⋅ M20057028 MLS ⋅ Whispering Sound 01-04a BLDG.
Welcome to Whispering Sound which is a 55+ & gated cmmunity with loads of activities. This villa 1461 a/c sq. ft. with 2 bedrooms, 2 bathrooms, 1 car garage, Florida Room & Screened Patio. 2022 new a/c, 2019 new water heater, 2015 new tile roof plus accordian hurricane shutters. This community includes: community clubhouse, huge heated pool/hot tub, tennis courts/pickleball & shuffleboard. 2 pets up to 35 pounds are welcomed. no renting for 2 years of ownership. No trucks, no kayaks & no canoes. Being sold "As-Is" with right to inspect. Buyer to pay title.

3678 SW Whispering Sound Drive, Palm City
1664 SW Shady Lake Terrace, Palm City
$399,900
2 Beds ⋅ 2 Baths ⋅ M20057084 MLS ⋅ Cypress Lake Ph 01 Cypress Pointe Pud BLDG.
Dviosta Built Capri Villa 2Bed 2Bath 2Car Garage located on quiet preserve in the back of the Cypress Lakes. Impact windows in 2021, Newer Barrel Tile Roof in 2021, New A/C 2025 & re-plumbed in 2026. Kitchen features white cabinet, Stainless Steel Appliances, Solid Surface Counters, High Hat lighting, Tiled Backsplash. The main living area has Vaulted Ceilings, Plantation Shutters, Tile & laminate floors, Freshly painted interior in 2026. Epoxy floors in garage. Exterior was painted in 2024. Large Screen Porch faces the preserve with Accordion shutters (2021). 1Metal panel for front door window. Water Heater 2011. Spacious utility room washer, dryer & sink. Conveniently located in Palm City offers easy access to I-95, the FL Turnpike & short drive to Hutchinson Island beaches.

1664 SW Shady Lake Terrace, Palm City
3361 SW Sunset Trace Circle SW, Palm City
$285,000
2 Beds ⋅ 3 Baths ⋅ B26081803 MLS ⋅ Stamford @ Sunset Trace BLDG.
Beautifully maintained Stamford model townhome offering an inviting blend of comfort, style and convenience. Enter through a charming private courtyard patio into a light-filled interior featuring crown molding, beautiful tile flooring & tasteful updates throughout. The updated kitchen showcases granite countertops. Accordion storm shutters provide added convenience & peace of mind. Enjoy resort-style living in this desirable guard-gated community featuring 2 pools, tennis, basketball & racquetball courts plus a playground. Pet-friendly with 2 pets permitted and no weight restriction. Conveniently located near shopping, dining & recreation with easy access to the Florida Turnpike & I-95. Meticulously cared for, move-in ready & an exceptional opportunity!

3361 SW Sunset Trace Circle SW, Palm City
918 SW 36th Terrace, Palm City
$369,000
2 Beds ⋅ 2 Baths ⋅ M20057066 MLS ⋅ Palm City Gardens BLDG.
LIVE THE PALM CITY LIFESTYLE IN THIS BEAUTIFULLY REMODELED 2-BEDROOM,2-BATH HOME!Ideally positioned in the heart of Palm City, this move-in-ready charming home puts you just a few blocks from the St. Lucie River and within walking distance of Jock Leighton Park and Palm City's exciting new downtown restaurants and local hotspots. Completely remodeled in 2020, the home offers a fresh, modern feel with wood-look tile flooring throughout, impact windows, and a durable metal roof.The functional layout includes 2 bedrooms, 2 full bathrooms, an in-home washer and dryer, city water, and a 1-car garage. Outside, a covered paver patio overlooks the private, beautifully landscaped backyard, creating a peaceful space to relax or entertain.With its combination of extensive updates, outdoor living space, and walkable location, this home offers a rare opportunity to enjoy the best of Palm City right outside your door.

918 SW 36th Terrace, Palm City
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