3098 SW Cedar Trail
Palm City, FL 34990
$995,000
$362/ft²
About this home
SIGNIFICANT PRICE IMPROVEMENT PRESENTS A RARE WATERFRONT OPPORTUNITY. This elevated Key West-style residence captures the timeless charm of Old Florida while offering no-fixed-bridge access and a quick ride to open water. Nestled among lush tropical landscaping, the property delivers a rare sense of privacy along with exceptional indoor and outdoor spaces designed for entertaining. A spacious screened balcony extends the main living area into the treetops, creating the perfect setting to enjoy coastal breezes, spectacular sunsets, and year-round outdoor living. Vaulted ceilings enhance the bright, open-concept upper level, where the kitchen, living areas, and primary suite are thoughtfully positioned to maximize elevation, natural light, and picturesque water views. The interior has been tastefully updated with a relaxed coastal aesthetic while still offering opportunities to personalize and make it your own. The lower level features guest bedrooms and a versatile flex space ideal for a media room, game room, home office, or private retreat for family and visitors. Boaters will appreciate approximately 96 feet of waterfront, a private dock, and a boat lift, making days on the water effortless. Outside, a heated pool, new hot tub, and newly constructed cabana create a true resort-style atmosphere, complemented by multiple gathering areas designed for relaxation and entertaining. An exterior cargo lift provides added convenience between levels. Blending classic Old Florida character with modern comfort and functionality, this exceptional Palm City waterfront home offers the access, privacy, and lifestyle that define the very best of South Florida waterfront. Update: Brand NEW AC upstairs July of 2026!
Features
- Waterfront
- Private pool
Property details
Listing
- MLS #
- B26014459
- Status
- For sale
- Listed on
- Apr 12, 2026
- Days on market
- 120 days
- Listing data updated
- Aug 9, 2026
Interior
- Beds
- 4
- Baths
- 2
- Living area
- 2,746 ft²
- Price per ft²
- $362/ft²
Building & community
- Type
- Single-family home
- Year built
- 1996
- HOA fee
- $25/mo
- County
- Martin
Lot & exterior
- Lot size
- 10,221 ft²
- 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)
- $5,031
- Property taxes (est.)
- $913
- Home insurance (est.)
- $600
- Flood insurance (est.)
- —
- HOA fee
- $25
Estimated total$6,569*/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?
Location
Mortgage calculator
$5,031/moEstimated principal & interest. Taxes, insurance, and HOA are not included. This is an estimate, not a quote or financial advice.
This listing is courtesy of Keller Williams Realty Of The Treasure Coast.
Erin Duke-Warren · 561-818-3746 · erin@benchmarkgroupre.com · 772-419-0400
Data deemed reliable, but is not guaranteed accurate by MIAMI REALTORS®.
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