Harbour Cove Homes for Sale

Harbour Cove is a gated, waterfront community in Hutchinson Island, St. Lucie County, Florida. Active listings are priced from $650,000 to $845,900. Homes were built between 1989 and 1990. Pure Equity lists homes in Harbour Cove and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Harbour Cove and the Hutchinson Island area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 2 Harbour Cove Hutchinson Island homes for sale as of October 2026. The median asking price is $748,000. Asking prices run from $650,000 to $846,000.

That is 29% above the Hutchinson Island median of $580,000. On a per-foot basis, homes here ask about $430 per square foot, compared with $365 across Hutchinson Island. So the median price buys roughly 1,750 square feet of living area. With so few listings, though, treat these figures as a snapshot rather than a trend.

Listings here have averaged 442 days on the market. That is slower than the Hutchinson Island average of 225 days. Because of that, buyers often have more room to negotiate on price, repairs or closing costs.

Homes listed in Harbour Cove date from 1989 to 1990. That puts them between 36 and 37 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Harbour Cove is a gated community. Therefore, expect to register visitors and contractors with the gate before each visit.

Harbour Cove includes waterfront homes. Waterfront lots in South Florida often sit in FEMA special flood hazard areas, where lenders require flood insurance. Before you commit, look up the address on the FEMA Flood Map Service Center and ask the seller for an elevation certificate.

Rentals in Harbour Cove have a median asking rent of $4,000 per month, across 1 active rental listing. For comparison, the Hutchinson Island median is $2,975, so rents here run 34% higher.

You can browse current Hutchinson Island rentals or ask us for a rent estimate on a specific Harbour Cove home.

Here is what the median Harbour Cove price means in Florida closing terms. At $748,000, a 20% down payment comes to about $150,000, leaving a loan near $598,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $2,094. Next, the intangible tax of 0.2% adds about $1,197. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Harbour Cove median, that is about $5,236.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.