21 Harbour Isle Drive W

Fort Pierce, FL 34949

$595,000

$299/ft²

2Beds

2Baths

1,989Sq ft

2005Year built

CondoType

About this home

Intracoastal Penthouse living reaches its peak in this 1,989 square foot fully furnished residence, styled in an elegant coastal theme and ready for you to move right in — just bring your suitcase. Perched above the water with breathtaking panoramic views of the Intracoastal, this two bedroom, two bathroom penthouse blends timeless craftsmanship with modern comfort. Crown moulding and wainscoting add architectural sophistication throughout, while expansive windows fill the home with natural light and serene water vistas. The master suite is a true retreat, featuring a large picture window perfectly positioned to enjoy daily sunrises and watch dolphins glide by. The spa inspired master bathroom offers dual sinks, a separate walk in shower, and a large garden tub ideal for unwinding. A modern kitchen flows seamlessly into the spacious dining and living areas, creating an inviting open concept layout perfect for entertaining. The penthouse also includes a laundry room and a versatile room that can serve as an office, den, or creative space. Every detail has been curated for comfort and style — from the coastal furnishings to the airy color palette that mirrors the surrounding waterfront. This penthouse delivers a lifestyle of ease, beauty, and everyday luxury. Wake up to sunrises. Watch dolphins from your window. Live the coastal dream.

Features

Waterfront
Private pool

Property details

Listing

MLS #: B26048122
Status: For sale
Listed on: Jul 2, 2026
Days on market: 39 days
Listing data updated: Aug 9, 2026

Interior

Beds: 2
Baths: 2
Living area: 1,989 ft²
Price per ft²: $299/ft²
Unit: Ph02

Building & community

Type: Condo
Year built: 2005
HOA fee: $897/mo
County: St Lucie

Lot & exterior

Waterfront: Yes
Private pool: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $3,009
Property taxes (est.): $546
Home insurance (est.): $433
Flood insurance (est.): —
HOA fee: $897

Estimated total$4,885*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Building structural health (SIRS)

No filing record found

We couldn't find a SIRS filing record for this building in Florida's public DBPR database. That is not a red flag by itself: buildings under three stories are exempt, recent or mailed-in filings may not appear yet, and the name or address on file may differ from this listing.

Questions about this

What is a SIRS and why does it matter?

Since the Surfside collapse, Florida requires condo and co-op buildings three stories or taller to complete a Structural Integrity Reserve Study: an inspection-based plan that forces the association to fund structural repairs (roof, load-bearing walls, plumbing, electrical) instead of deferring them. It matters because underfunded buildings are the ones that surprise owners with large special assessments.

Has this building filed its SIRS?

We didn't find a filing record for this building in the DBPR's public database. Absence of a record does not mean the building is out of compliance — it may be exempt (under three stories), the filing may be recent or on paper, or the recorded name/address may differ. It IS the right question to ask before offering.

What is a special assessment?

A one-off charge the association levies on every owner when reserves don't cover a needed repair — in older coastal buildings they have ranged from a few thousand to over $100,000 per unit. The SIRS exists precisely to make these predictable and funded in advance. Always review the building's budget, reserves and meeting minutes before buying.

What should I check before buying in this building?

Florida law gives buyers the right to review the association's SIRS, milestone inspection reports, budget and reserves — the full study is available from the association by written request. Nilyan requests and walks through these documents with her buyers as part of the offer process.

Source: Florida DBPR public SIRS reporting database. Filing status is self-reported by the association; this is not an audit, inspection or safety certification, and absence of a record does not mean non-compliance. Data as of July 30, 2026.

Want the full structural picture of this building before you offer?