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For sale
    • Price cut: $55K (6/16)
    $995,000

    3098 SW Cedar Trail, Palm City, FL 34990

    4beds
    2,746sqft
    : 
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    Single Family Residence
    Built in 1996
    10,221 Square Feet Lot
    $948,200 Zestimate®
    $362/sqft
    $25/mo HOA

    What's special

    Heated poolGuest bedroomsNew hot tubElevated key west-style residence
    SIGNIFICANT PRICE IMPROVEMENT PRESENTS A RARE WATERFRONT OPPORTUNITY. This elevated Key West-style residence captures the timeless charm of Old Florida while offering no-fixed-bridge access and a quick ride to open water. Nestled among lush tropical landscaping, the property delivers a rare sense of privacy along with exceptional indoor and outdoor spaces designed for entertaining. A spacious screened balcony extends the main living area into the treetops, creating the perfect setting to enjoy coastal breezes, spectacular sunsets, and year-round outdoor living. Vaulted ceilings enhance the bright, open-concept upper level, where the kitchen, living areas, and primary suite are thoughtfully positioned to maximize elevation, natural light, and picturesque water views. The interior has been tastefully updated with a relaxed coastal aesthetic while still offering opportunities to personalize and make it your own. The lower level features guest bedrooms and a versatile flex space ideal for a media room, game room, home office, or private retreat for family and visitors. Boaters will appreciate approximately 96 feet of waterfront, a private dock, and a boat lift, making days on the water effortless. Outside, a heated pool, new hot tub, and newly constructed cabana create a true resort-style atmosphere, complemented by multiple gathering areas designed for relaxation and entertaining. An exterior cargo lift provides added convenience between levels. Blending classic Old Florida character with modern comfort and functionality, this exceptional Palm City waterfront home offers the access, privacy, and lifestyle that define the very best of South Florida waterfront. Update: Brand NEW AC upstairs July of 2026!
    84 days
    |
    817
    |
    59
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Erin Duke-Warren PA 561-818-3746,

    Keller Williams Realty Of The Treasure Coast,

    Heather Mancini 973-332-3263,

    Keller Williams Realty Jupiter

    Source: BeachesMLS,MLS#: B26014459MLS LogoOriginating MLS: BeachesMLS

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 2
      • Full bathrooms: 2
      • Main level bathrooms: 1
      • Main level bedrooms: 2
      Heating
      • Central, Electric, Zoned
      Cooling
      • Central Air, Electric, Zoned
      Appliances
      • Included: Dryer, Dishwasher, Electric Water Heater, Disposal, Microwave, Range, Refrigerator, Water Heater, Washer
      • Laundry: Inside, Laundry Closet
      Features
      • Wet Bar, Breakfast Bar, Built-in Features, Cathedral Ceiling(s), Entrance Foyer, Family/Dining Room, High Ceilings, Living/Dining Room, Pantry, Split Bedrooms, Separate Shower, Upper Level Primary, Vaulted Ceiling(s), Bar, Walk-In Closet(s)
      • Flooring: Carpet, Tile
      • Doors: French Doors
      • Windows: Shutters
      • Has fireplace: Yes
      • Fireplace features: Wood Burning
      Interior area
      • Total structure area: 3,352
      • Total interior livable area: 2,746 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 4
      • Parking features: Driveway, Open
      • Uncovered spaces: 4
      Accessibility
      • Accessibility features: None
      Features
      • Levels: Multi/Split,Two
      • Stories: 2
      • Patio & porch: Covered, Deck, Patio, Porch, Screened, Balcony
      • Exterior features: Balcony, Lighting, Outdoor Living Area, Outdoor Shower, Propane Tank - Owned, Porch
      • Has private pool: Yes
      • Pool features: Free Form, Heated, In Ground, Other, Pool Equipment, Private
      • Has spa: Yes
      • Spa features: Above Ground
      • Fencing: Fenced,Partial
      • Has view: Yes
      • View description: Canal, Water
      • Has water view: Yes
      • Water view: Canal,Water
      • Waterfront features: Canal Access, Canal Front, Navigable Water, No Fixed Bridges, Ocean Access, Other, River Access, Seawall
      • Frontage type: Waterfront
      • Frontage length: 96.00,96.00
      Lot
      • Size: 10,221 Square Feet
      • Dimensions: 96'water x 161' x 70' x 141'
      • Features: Cul-De-Sac, Irregular Lot, Many Trees, Sprinklers Automatic, Sprinkler System, < 1/4 Acre
      Details
      • Additional structures: Cabana, Shed(s)
      • Parcel number: 123840001000004104
      • Zoning: res
      • Special conditions: Standard,Listed As-Is
      • Other equipment: Fuel Tank(s)

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Florida
      • Property subtype: Single Family Residence
      Materials
      • Fiber Cement, Frame
      • Roof: Metal
      Condition
      • Resale
      • New construction: No
      • Year built: 1996

      Utilities & green energy

      • Sewer: Septic Tank
      • Water: Well
      • Utilities for property: Cable Available, Electricity Connected, Phone Available

      Community & HOA

      Community
      • Features: Home Owners Association, Boat Facilities
      • Security: Security System, Smoke Detector(s)
      • Subdivision: RUSTIC HILLS
      HOA
      • Has HOA: Yes
      • Amenities included: Boating
      • Services included: Common Areas
      • HOA fee: $25 monthly
      Location
      • Region: Palm City

      Financial & listing details

      • Price per square foot: $362/sqft
      • Tax assessed value: $838,770
      • Annual tax amount: $13,701
      • Date on market: 4/27/2026
      • Cumulative days on market: 93 days
      • Listing terms: Cash,Conventional,VA Loan
      • Electric utility on property: Yes
      • Road surface type: Paved

        Estimated market value

        $948,200

        $901,000 - $996,000

        $4,555/mo

        Price history

        DateEventPrice
        6/16/2026Price change$995,000-5.2%$362/sqft
        Source: BeachesMLS #B26014459 Report a problem
        5/8/2026Price change$1,050,000-12.1%$382/sqft
        Source: BeachesMLS #B26014459 Report a problem
        4/16/2026Listed for sale$1,195,000+4.8%$435/sqft
        Source: BeachesMLS #B26014459 Report a problem
        12/1/2022Listing removed--
        Source: Zillow Rental Manager Report a problem
        7/30/2022Listed for rent$8,500+13.3%$3/sqft
        Source: Zillow Rental Manager Report a problem
        5/27/2022Listing removed--
        Source: Zillow Rental Manager Report a problem
        4/26/2022Listed for rent$7,500$3/sqft
        Source: Zillow Rental Manager Report a problem
        4/4/2022Sold$1,140,000+3.6%$415/sqft
        Source: Martin County REALTORS® of the Treasure Coast (MCRTC) #M20032757 Report a problem
        2/14/2022Pending sale$1,100,000$401/sqft
        Source: Martin County REALTORS® of the Treasure Coast (MCRTC) #M20032757 Report a problem
        2/5/2022Listed for sale$1,100,000$401/sqft
        Source: Martin County REALTORS® of the Treasure Coast (MCRTC) #M20032757 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$13,702 -4.4%$838,770 -0.8%
        2024$14,336 +2.2%$845,280 +3.8%
        2023$14,021 +208.8%$814,500 +181.4%
        2022$4,541 -0.1%$289,482 +3%
        2021$4,547 +2.4%$281,051 +1.4%
        2020$4,441 +1.3%$277,171 +2.3%
        2019$4,385 $270,940 +1.9%
        2018$4,385 +2.6%$265,889 +2.1%
        2017$4,274 +13.6%$260,420 +2.1%
        2016$3,763 $255,064 +0.7%
        2015$3,763 $253,290 +0.8%
        2014$3,763 $251,279 +3.6%
        2013-- $242,649 +1.7%
        2012-- $238,593 +3%
        2011-- $231,643 +1.5%
        2010-- $228,219 +2.7%
        2009-- $222,203 +0.1%
        2008-- $222,000 +3%
        2007$5,319 -8.5%$215,533 +2.5%
        2006$5,815 $210,276 +3%
        2005-- $204,151 +17.4%
        2004$2,739 $173,842
        2003$2,739 +2.2%$173,842 +2.4%
        2002$2,680 +1.6%$169,768 +1.6%
        2001$2,639 +2.9%$167,094 +3%
        2000$2,564 +3.6%$162,227 +2.7%
        1999$2,475 $157,962
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 34990

        Getting around

        8 / 100
        Car-Dependent
        31 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Bessey Creek
        • Middle: Hidden Oaks
        • High: Martin County

        Source: BeachesMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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