Harbour Ridge Homes for Sale

Harbour Ridge is a waterfront community in Palm City, Martin County, Florida. Active listings are priced from $360,000 to $595,000. Homes were built between 1987 and 1994. Pure Equity lists homes in Harbour Ridge 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 Ridge 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 6 Harbour Ridge Palm City homes for sale as of October 2026. The median asking price is $530,000. Asking prices run from $145,000 to $1.4M.

That is 18% below the Palm City median of $650,000. On a per-foot basis, homes here ask about $249 per square foot, compared with $278 across Palm City. So the median price buys roughly 2,150 square feet of living area.

Listings here have averaged 147 days on the market. That is slower than the Palm City average of 111 days. Because of that, buyers often have more room to negotiate on price, repairs or closing costs.

Homes listed in Harbour Ridge date from 1987 to 1994. That puts them between 32 and 39 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 Ridge 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.

Here is what the median Harbour Ridge price means in Florida closing terms. At $530,000, a 20% down payment comes to about $106,000, leaving a loan near $424,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,484. Next, the intangible tax of 0.2% adds about $848. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Harbour Ridge median, that is about $3,710.

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.