Harbour Island At Palm Cove Homes for Sale

Harbour Island At Palm Cove is a gated community in Palm City, Martin County, Florida. Active listings are priced from $515,000. Homes were built starting 2004. Pure Equity lists homes in Harbour Island At Palm 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 Island At Palm Cove and the Palm City 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 a single listing for Harbour Island At Palm Cove Palm City homes for sale as of October 2026. The median asking price is $768,000.

That is 22% above the Palm City median of $630,000. On a per-foot basis, homes here ask about $279 per square foot, roughly in line with the city at $276. So the median price buys roughly 2,750 square feet of living area. With so few listings, though, treat these figures as a snapshot rather than a trend.

Listings here have averaged 38 days on the market. That is faster than the Palm City average of 111 days. As a result, buyers here should be ready to write an offer soon after a showing.

Homes listed in Harbour Island At Palm Cove date from 2004, so they are about 22 years old.

Every one of these homes went up after Florida adopted its statewide building code in 2002. In practice, that usually means impact-rated openings and stronger roof attachment. A wind mitigation inspection documents those features, and Florida insurers must offer premium discounts for them.

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

Here is what the median Harbour Island At Palm Cove price means in Florida closing terms. At $768,000, a 20% down payment comes to about $154,000, leaving a loan near $614,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $2,150. Next, the intangible tax of 0.2% adds about $1,229. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Harbour Island At Palm Cove median, that is about $5,376.

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.

Recent Harbour Island At Palm Cove listings show assignments to Bessey Creek (elementary), Hidden Oaks (middle) and Martin County (high). However, boundaries can change each year, so confirm the assignment for a specific address with the Martin County School District.