Circle Bay Yacht Club Homes for Sale

Circle Bay Yacht Club Condo is an age-restricted 55+ community in Stuart, Martin County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $298,000 to $400,000. At least one resident per home must be 55 or older. Pure Equity lists homes in Circle Bay Yacht Club 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 Circle Bay Yacht Club and the Stuart 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 15 Circle Bay Yacht Club Stuart homes for sale as of October 2026. The median asking price is $325,000. Asking prices run from $179,000 to $380,000.

That is 23% below the Stuart median of $420,000. On a per-foot basis, homes here ask about $299 per square foot, compared with $274 across Stuart. So the median price buys roughly 1,100 square feet of living area.

Listings here have averaged 113 days on the market. That tracks the Stuart average of 118 days, so pricing and terms follow the wider city market.

Homes listed in Circle Bay Yacht Club date from 1979 to 1980. That puts them between 46 and 47 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.

Condo buyers should also know Florida's 2022 condo safety law. It requires milestone structural inspections for buildings three stories or taller as they age. It also requires a structural integrity reserve study. Before you sign, request both reports and the current reserve balance.

Circle Bay Yacht Club 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.

Circle Bay Yacht Club is a condo building. Also request the association budget, recent minutes and any special assessments before you sign.

Rentals in Circle Bay Yacht Club have a median asking rent of $2,000 per month, across 5 active rental listings. For comparison, the Stuart median is $2,850, so rents here run 30% lower.

For investors, those medians imply a gross yield near 7.4% a year. However, that figure comes before HOA dues, property tax, insurance and vacancy. Also check the association documents first, because many Florida HOAs cap leases or set minimum terms.

You can browse current Stuart rentals or ask us for a rent estimate on a specific Circle Bay Yacht Club home.

Here is what the median Circle Bay Yacht Club price means in Florida closing terms. At $325,000, a 20% down payment comes to about $65,000, leaving a loan near $260,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $910. Next, the intangible tax of 0.2% adds about $520. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Circle Bay Yacht Club median, that is about $2,275.

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 Circle Bay Yacht Club listings show assignments to J.D. Parker (elementary), Stuart (middle) and Jensen Beach (high). However, boundaries can change each year, so confirm the assignment for a specific address with the Martin County School District.