Buying a Condo in Stuart: What to Check

Condos make up a big share of what's for sale in Stuart, from riverfront buildings near downtown to oceanfront units on Hutchinson Island and golf-community villas. As of late October 2026, more than 300 condos with a Stuart address were listed for sale. A condo can be a great value, but when you buy one you're also buying into the association that runs the building. Here's what to check before your deadlines pass.

1. The association's money

  • Budget and monthly fees. What do the fees cover: insurance, water, cable, roof, elevator, pool? How much have they gone up in the last few years?
  • Reserves. Is the association saving enough for big items like the roof, painting, paving and structural repairs?
  • Special assessments. Ask about any current or planned assessments, and any loan or line of credit the association has taken out. Find out who pays an assessment that's approved before closing.
  • Financial statements. Florida requires associations to prepare annual financial reports, and they must be provided to prospective buyers.

2. Milestone inspections and reserve studies (Florida's newer condo laws)

After the 2021 Surfside collapse, Florida added inspection and reserve rules for older and taller buildings:

  • Milestone inspections are required for condo buildings three stories or taller once they reach 30 years old, then every 10 years.
  • Structural Integrity Reserve Studies (SIRS) are required for buildings with three or more stories, every 10 years. They estimate what the building's key structural items will cost to repair or replace, and set a funding plan.

Ask for the building's most recent milestone inspection and SIRS, and whether any recommended repairs are still unfunded. These are often what drive large special assessments, and they can explain why a unit is priced well below similar ones nearby. Many Stuart condos are one- and two-story garden-style buildings, which aren't covered by these two rules. The budget and reserve questions above still apply to them.

3. Rules that affect how you'll use it

  • Rental restrictions, such as minimum lease terms or waiting periods before you can rent the unit
  • Pets: size and number limits
  • Age restrictions in 55+ communities
  • Approval: many associations must approve buyers before closing, which takes time and an application fee
  • Parking, boats and storage

4. Insurance and financing

The association insures the building. You'll need your own condo (HO-6) policy for the inside of the unit. Get insurance quotes early, during your inspection period. If you're financing, ask your lender early whether they'll lend in the building. Some lenders won't finance units in buildings with major unfinished repairs, big lawsuits or low reserves.

5. Your right to review the documents

When you buy a resale condo in Florida, the seller provides the association's governing documents and financial information. Florida law gives you a short window after you receive them to review and, if needed, cancel. Your contract's condo rider spells out the timing. Read them, or have Wayne walk through them with you.

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Common questions

What is a milestone inspection?
A structural inspection Florida requires for condo buildings three stories or taller once they reach 30 years old, and every 10 years after that.

What is a SIRS?
A Structural Integrity Reserve Study. It estimates the remaining life and replacement cost of key building components and sets how much the association should save. It's required for buildings with three or more stories, every 10 years.

Can I cancel a condo purchase after reading the association documents?
Florida gives resale condo buyers a short review period after receiving the required documents. Check your contract's condo rider for the exact timing.

Related: Stuart homes for sale, flood zones and insurance, and waterfront vs. ocean-access homes.

This page is general information, not legal advice, and condo laws change often. Wayne Gebhardt is a licensed real estate broker, not an attorney. Confirm current requirements with a Florida real estate attorney.

Stuart Condos for Sale

2920 SE Dune Drive Unit 420, Stuart
$3,495,000
3 Beds ⋅ 4 Baths ⋅ M20055090 MLS ⋅ Sailfish Point BLDG.
Experience elevated coastal living in this three bedroom, three and a half bathroom Sailfish Point PENTHOUSE with unobstructed Atlantic Ocean views. Arrive via elevator access shared by just two residences per floor, into a light-filled interior with volume ceilings, skylights, and open-concept living. Expansive impact glass windows create seamless indoor-outdoor flow, ideal for entertaining or quiet mornings by the sea. The layout includes a bedroom suited as a secondary owner’s suite and a third bedroom with private balcony for sunset views. Architectural details such as travertine floors, etched glass, trim, and molding add character and timeless appeal. Two under-building parking spaces and air-conditioned storage included. Residents enjoy exclusive access to world-class amenities, including a Nicklaus ‘Signature’ golf course, beachfront clubhouse, multiple dining venues, full-service marina with ocean access, fitness and aquatics complex, spa, tennis, pickleball, and 24/7 security

2920 SE Dune Drive Unit 420, Stuart
2920 SE Dune Drive Unit 420, Stuart
$3,495,000
3 Beds ⋅ 4 Baths ⋅ B26014605 MLS ⋅ Ocean Isle BLDG.
Experience elevated coastal living in this three bedroom, three and a half bathroom Sailfish Point PENTHOUSE with unobstructed Atlantic Ocean views. Arrive via elevator access shared by just two residences per floor, into a light-filled interior with volume ceilings, skylights, and open-concept living. Expansive impact glass windows create seamless indoor-outdoor flow, ideal for entertaining or quiet mornings by the sea. The layout includes a bedroom suited as a secondary owner's suite and a third bedroom with private balcony for sunset views. Architectural details such as travertine floors, etched glass, trim, and molding add character and timeless appeal. Two under-building parking spaces and air-conditioned storage included. Residents enjoy exclusive access to world-class amenities... including a Nicklaus 'Signature' golf course, beachfront clubhouse, multiple dining venues, full-service marina with ocean access, fitness and aquatics complex, spa, tennis, pickleball, and 24/7 security

2920 SE Dune Drive Unit 420, Stuart
2820 SE Dune Drive Unit 2306, Stuart
$3,395,000
3 Beds ⋅ 3 Baths ⋅ B26078272 MLS ⋅ Sailfish Point BLDG.
Chic 3rd floor condo in Sailfish Point offers an exceptional luxury lifestyle w/ panoramic views of the St. Lucie Inlet, Atlantic Ocean, & Jupiter Island shoreline. Stunning sunsets & steady trade winds create a serene coastal setting. Fully gut renovated in 2017, the home featured all new drywall, electrical, & plumbing; book-matched custom cabinetry & millwork; solid 8-ft doors; raised 10-ft ceilings; & a Level 5 finish throughout. The sleek DKI kitchen w/ Thermador appliances flows seamlessly into open living spaces. Additional highlights include 24" x 24" travertine floors, LED dimmable lighting, SONOS audio, impact-rated sliders, & electric retractable screens & shutters on the inlet side. Sailfish Point offers an oceanfront country club lifestyle w/fine & casual dining, Har-Tru courts, pickleball, Jack Nicklaus ''Signature'' golf course, state-of-the-art fitness center & spa, helipad, 1.5 miles of gorgeous beach & a nearby private airport - Witham Field - w/ on-site US Customs

2820 SE Dune Drive Unit 2306, Stuart
51 SE Seminole Street Unit 205, Stuart
$2,790,000
3 Beds ⋅ 4 Baths ⋅ M20056340 MLS ⋅ River House Stuart BLDG.
RIVER HOUSE | Downtown Stuart Riverfront Living — Experience luxury waterfront living in the heart of Downtown Stuart. This exceptional 3-bedroom residence combines sophisticated finishes with an open-concept design and 11’ ceilings in the main living areas. The gourmet kitchen features Sub-Zero, Wolf and Asko appliances, gas cooking, quartz countertops and custom wood cabinetry. The primary suite offers a spa-inspired wet room with soaking tub, rain showers and bench. Hurricane-impact windows, individual gas tankless water heater and a private oversized 2-car garage wired for car charger. The boat slip accommodates a vessel up to 37’ in length and is 16’ wide. One of the six end units, offering the best views in the community. Amenities include a riverside pool with lounge, BBQ and fire pit areas, rooftop deck overlooking the St. Lucie River and a dedicated dog walking area.

51 SE Seminole Street Unit 205, Stuart
3001 SE Island Point Lane Unit 12, Stuart
$2,495,000
2 Beds ⋅ 3 Baths ⋅ B26075801 MLS ⋅ Sailfish Point BLDG.
Indulge in luxury living with this expansive 3,500 sq. ft. oceanfront apartment. Boasting two spacious bedrooms, three elegant bathrooms, and a generous patio showcasing breathtaking ocean views, this residence has been recently updated. Both bedroom suites provide unmatched comfort and sophistication, perfect for your ultimate retreat. Sailfish Point offers the ultimate Florida resort lifestyle with its oceanfront country club, fine & casual dining, Har-Tru tennis courts, Jack Nicklaus ''Signature'' golf course, state-of-the-art fitness center & spa, helipad, 1.5 miles of gorgeous beach, and 24/7 guarded & patrolled security for peace of mind.

3001 SE Island Point Lane Unit 12, Stuart
2001 SE Sailfish Point Boulevard Unit 313, Stuart
$2,195,000
2 Beds ⋅ 3 Baths ⋅ M20054079 MLS ⋅ Sailfish Point BLDG.
Beautifully renovated, direct oceanfront condominium offering two bedrooms and two-and-a-half baths. Features include full impact glass, marble floors, and a gourmet kitchen with Wolf, Asko, True, and Sub-Zero appliances. The spacious primary suite boasts a walk-in closet and a luxurious, spa-inspired bath, complemented by an en-suite guest bedroom. An expansive balcony showcases unobstructed ocean views overlooking the beach.Sailfish Point provides an unparalleled lifestyle with a full-service marina accommodating yachts up to 100 feet, private airport access with on-site U.S. Customs, and an oceanfront country club featuring fine dining, tennis, pickleball, a state-of-the-art fitness center, spa, and even a helipad.

2001 SE Sailfish Point Boulevard Unit 313, Stuart
2001 SE Sailfish Point Boulevard Unit 313, Stuart
$2,195,000
2 Beds ⋅ 3 Baths ⋅ R11159017 MLS ⋅ Sailfish Point BLDG.
Beautifully renovated, direct oceanfront condominium offering two bedrooms and two-and-a-half baths. Features include full impact glass, marble floors, and a gourmet kitchen with Wolf, Asko, True, and Sub-Zero appliances. The spacious primary suite boasts a walk-in closet and a luxurious, spa-inspired bath, complemented by an en-suite guest bedroom. An expansive balcony showcases unobstructed ocean views overlooking the beach. Sailfish Point provides an unparalleled lifestyle with a full-service marina accommodating yachts up to 100 feet, private airport access with on-site U.S. Customs, and an oceanfront country club featuring fine dining, tennis, pickleball, a state-of-the-art fitness center, spa, and even a helipad.

2001 SE Sailfish Point Boulevard Unit 313, Stuart
2001 SE Sailfish Point Boulevard Unit 117, Stuart
$2,150,000
2 Beds ⋅ 3 Baths ⋅ M20055217 MLS ⋅ Sailfish Point BLDG.
Don't miss this exceptional opportunity to own in one of the area's most sought-after communities! This beautifully designed two bedroom, 2.5-bath oceanfront residence invites effortless living, with an expanded owner’s suite featuring a serene sitting room/office framed by endless water views. A graceful, winding terrace offers the best of both worlds—covered spaces for shaded relaxation and sunlit areas for soaking in the ocean breeze, as well as the convenience of first level access to the path and the beach. Beyond your door, Sailfish Point delivers an unmatched lifestyle with a pristine beach, oceanfront clubhouse, spa, fitness center, tennis, pickleball, five dining venues. Golfers will treasure the Nicklaus Signature course with no tee times, while boaters enjoy the full-service marina. Live where every day feels like a vacation.

2001 SE Sailfish Point Boulevard Unit 117, Stuart
2001 SE Sailfish Point Boulevard Unit 212, Stuart
$2,095,000
2 Beds ⋅ 3 Baths ⋅ M20054820 MLS ⋅ Sailfish Point BLDG.
Imagine waking each day on your own private island, surrounded by panoramic ocean views, complete tranquility, and unmatched privacy. There is simply nothing comparable to Sailfish Point. Life at Sailfish Point is defined by an exceptional collection of amenities. At its core is a Jack Nicklaus Signature 18-hole golf course with no tee times, complemented by a state-of-the-art fitness and wellness center and a full-service spa offering advanced treatments including red light therapy, salt therapy, reflexology, oxygen facials, and massage. Residents also enjoy championship tennis and pickleball courts, a full-service marina, salon and nail services, a dedicated mail facility, and five distinctive dining venues. At the popular Crossroads Café, complimentary coffee and freshly baked pastries are served to members and their guests each morning, seven days a week—just one of the many thoughtful touches that define Sailfish Point's exceptional private club lifestyle.

2001 SE Sailfish Point Boulevard Unit 212, Stuart
2001 SE Sailfish Point Boulevard Unit 212, Stuart
$2,095,000
2 Beds ⋅ 3 Baths ⋅ B26001714 MLS ⋅ Sailfish Point BLDG.
Imagine beginning each day on your own private island, surrounded by panoramic ocean views, complete tranquility, and an unparalleled sense of privacy. There is simply nothing comparable to Sailfish Point. Nestled within a secluded 532-acre enclave at the southern tip of Hutchinson Island, Sailfish Point ranks among Florida's most exclusive waterfront communities. With 6.5 miles of pristine Atlantic Ocean and St. Lucie Inlet shoreline, it offers a rare combination of natural beauty, security, and sophisticated coastal living. Life at Sailfish Point revolves around an exceptional collection of world-class amenities. At the heart of the community is a Jack Nicklaus Signature 18-hole golf course where members enjoy the luxury of no tee times. Complementing the golf experience is a state-of-the-art fitness and wellness center, along with a full-service spa offering an array of rejuvenating treatments, including red light therapy, salt therapy, reflexology, oxygen facials, and massage. Residents also enjoy championship tennis and pickleball courts, a full-service marina, salon and nail services, a dedicated mail facility, and five distinctive dining venues. At the popular Crossroads Café, complimentary coffee and freshly baked pastries are served to members and their guests each morning, seven days a week—just one of the many thoughtful touches that define Sailfish Point's exceptional private club lifestyle. Accessibility is as effortless as the lifestyle itself. Located just 10 minutes from Witham Field—capable of accommodating large private aircraft and featuring on-site U.S. Customs—Sailfish Point provides convenient access from virtually anywhere in the world. Positioned adjacent to the St. Lucie Inlet, the community offers immediate access to the Atlantic Ocean, with the Bahamas only 65 miles away and Palm Beach a short 45-mile journey to the south. Sailfish Point is more than a place to live—it is a destination where luxury, privacy, and an extraordinary coastal lifestyle come together in perfect harmony. Sailfish Point offers the ultimate Florida resort lifestyle with its oceanfront country club, fine & casual dining, Har-Tru tennis courts, Jack Nicklaus "Signature" golf course, state-of-the-art fitness center & spa, helipad, 1.5 miles of gorgeous beach, and 24/7 guarded & patrolled security for peace of mind.

2001 SE Sailfish Point Boulevard Unit 212, Stuart
2920 SE Dune Drive Unit 210, Stuart
$2,000,000
3 Beds ⋅ 3 Baths ⋅ M20056397 MLS ⋅ Sailfish Point BLDG.
Enjoy oceanfront living in this sunny and bright three-bedroom, three-bath Ocean Isle condominium in the exclusive community of Sailfish Point. It has a private feel, expansive living areas, and a winding terrace with sweeping Atlantic Ocean views, plus a separate west-facing terrace for spectacular sunsets. The ocean is visible from the living room, kitchen, and two of the bedroom suites, while all three bedrooms feature en-suite baths. A decorative fireplace adds character to the living room, and two under-building parking spaces and a private storage closet provide everyday convenience. Comfortable as-is, it also offers an exceptional opportunity to create a custom coastal retreat within a community renowned for its oceanfront clubhouse, 1.5 mile of gorgeous beach, fine & casual dining, spa, fitness and aquatics complex, tennis, pickleball, full-service marina, optional golf on the Jack Nicklaus 'Signature' course and 24/7 guarded & patrolled security for peace of mind.

2920 SE Dune Drive Unit 210, Stuart
579 NE Plantation Road Unit S205, Stuart
$1,275,000
2 Beds ⋅ 2 Baths ⋅ M20057295 MLS ⋅ Ocean House At Irp Condo BLDG.
Welcome to oceanfront elegance at Indian River Plantation: Ocean House S-205. This exquisite 2BR unit is expertly updated and comes fully furnished and move-in ready. There is impact glass storm protection, and a new HVAC unit installed in October. Onsite management assures everything is tightly run, and Milestone and SIRS compliance has been accomplished. There is covered parking and A/C extra storage by the newly renovated community/clubhouse room on the pool deck. Owners may take advantage of membership in the Marriott's Ocean Club for golf/tennis/pickleball fun, and the Marriott Marina offers slips for long or short term stays. Still, the view is the thing, and the balcony of S205 has a sweeping vista of Hutchinson Island ocean blue from both MBR and LR. The 2nd living level is the 4th floor (2 floors of parking) and S-205 looks out sea with the pool deck to the left. This lovely unit is easy to see - just call...

579 NE Plantation Road Unit S205, Stuart
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