How much does it cost to sell a house in Stuart?

Apart from the mortgage payoff, a Stuart seller pays the brokerage commission, the Florida documentary stamp tax on the deed, title and settlement charges, prorated property taxes, any association estoppel fee and unpaid dues, and whatever repairs or credits are agreed after inspection. Everything is deducted at closing; nothing is paid up front. We prepare a written net proceeds estimate for your address before you decide.

How much are documentary stamps on a home sale in Martin County?

In Martin County the documentary stamp tax on a deed is 70 cents per $100 of the sale price, the rate in every Florida county except Miami-Dade. On the median Stuart single family home sale of $603,000, that is about $4,221. The seller customarily pays it.

Who pays for title insurance in Martin County, the buyer or the seller?

By local custom the seller chooses the title company and pays for the owner's policy in Martin County. In Miami-Dade and Broward the custom is reversed and the buyer pays. It is a custom, not a law, so the contract controls.

Do I have to make repairs before I sell?

No. You can sell as is, and the standard Florida as is contract gives the buyer an inspection period rather than a repair obligation. Repairs become a negotiation after the inspection, usually settled with a credit. If you would rather avoid showings and inspections altogether, ask us for the guaranteed cash offer and compare it with the listing estimate.

Cost to Sell a House in Stuart

Know what you would keep from your Stuart sale, line by line, before you decide to sell.

Every cost a Stuart seller pays at closing, what each one is, who customarily pays it in Martin County, and how to estimate what you keep.

Reviewed by Tyson E. Sam, Founder and Broker of Record, BreakThru Realty, Florida License 3565210

Selling a house in Stuart has costs a seller can plan for: the Florida documentary stamp tax, title and closing charges, association estoppel fees, prorated property taxes and the brokerage commission. This page works through each one against the live Stuart sold prices, so the net proceeds are not a surprise at the closing table.

Stuart Market at a Glance

Updated November 7, 2026 from BeachesMLS.

Newest Stuart Homes for Sale

The 30 newest homes, condos and townhomes on the market in Stuart, straight from BeachesMLS. The 30 listings on this page run from $132,000 to $1,990,000, with a median of $685,000, about $336 per square foot, and they have been listed a median of 6 days.

The communities with the most listings here are Florida Club (2) and Mariner Sands (2), 4 of the 30; the others are spread across 26 more communities.
By type: 18 single-family homes, 5 townhomes and villas, 4 condos and 1 multifamily property.
Bedrooms run from 2 to 4, a median of 3; they were built between 1925 and 2026, a median of 1987, and 7 in the last ten years.
12 of the 30 have a pool, and 13 are on the water.
They sit in 3 ZIP codes: 34994, 34996 and 34997.

See every Stuart home for sale with map and filters.

	Single-family homes	Condos & townhomes
Active listings	260	341
Median list price	$741,500	$290,000
Median list price per sq ft	$340/sq ft	$222/sq ft
Average days on market	96 days	138 days
Sold in the last 90 days	153	154
Median sold price (90 days)	$603,000	$239,000
Sale price as % of list price	96.6%	95.7%
Months of inventory	5.1 months	6.6 months
Median sold price vs. a year ago	+4.1%	+16%

Source: BeachesMLS. Active listings as of November 7, 2026; sold figures cover closings in the last 90 days, compared with the same 90 days one year earlier. Not an appraisal. How these figures are calculated.

The Costs of Selling a House in Stuart, in Order of Size

For most Stuart sellers the list runs: the mortgage payoff, the brokerage commission, the Florida documentary stamp tax on the deed, title and settlement charges, property taxes for the part of the year you owned the home, association fees and estoppel charges where there is an association, and whatever you agree with the buyer after inspection. None of them is paid up front. They are deducted from the sale price on the closing statement, and what is left is wired to you.

Documentary Stamp Tax in Martin County

Florida charges a documentary stamp tax on every deed, customarily paid by the seller. In Martin County, as in every Florida county except Miami-Dade, the rate is 70 cents per $100 of the sale price. On the median Stuart single family home sale of $603,000, that comes to about $4,221. It is calculated on the full price, not on your gain, and it is due at closing.

Title Insurance and Closing Charges in Martin County

Who pays for the owner's title insurance policy is a matter of local custom, and it is written into the contract. In Martin County the seller customarily chooses the title company and pays for the owner's policy, the reverse of Miami-Dade and Broward, where the buyer does. Florida sets title insurance premiums by a published rate, so the policy costs the same at any company and rises with the price. The seller also pays a settlement fee, a lien search, and the cost of clearing anything it turns up, such as an open permit or an unpaid utility balance. All of it is negotiable, so read the contract rather than relying on custom.

Property Taxes, Association Fees and Assessments

Florida property taxes are paid in arrears, so at closing the seller credits the buyer for the taxes from January 1 to the closing date; the later in the year you close, the larger that credit. If the home is in a condominium or a homeowners' association, the association charges for an estoppel certificate showing what is owed, a fee capped by Florida statute, and any unpaid dues are settled at closing. In Stuart's older condominium buildings, ask early about special assessments tied to the milestone inspection and the structural reserve study: the contract decides whether the seller or the buyer pays one that has been levied but not yet billed.

Repairs, Credits and Preparing the Home

After the inspection, most buyers ask for repairs or a credit. South Florida insurers care about four things, the roof, the electrical panel, the plumbing and the air conditioning, so a buyer's four point inspection tends to decide what is asked for. Knowing the roof's age and having permits closed before you list removes most surprises. Preparation costs (cleaning, paint, landscaping, staging) are optional, and we tell you which ones the Stuart comparables say will come back in the price and which will not.

Taxes on the Gain, and Foreign Sellers

Florida has no state income tax, so any tax on your gain is federal. Owners who lived in the home as their main residence for two of the last five years can usually exclude up to $250,000 of gain, or $500,000 for a married couple filing jointly; investment and second homes do not qualify, which is where a 1031 exchange comes in. If the seller is a foreign person, the buyer is generally required under FIRPTA to withhold 15% of the sale price for the IRS unless an exception or a withholding certificate applies, something to plan for months before closing. This is general information, not tax advice; confirm your position with a CPA.

Estimating What You Keep

Net proceeds are the sale price less the mortgage payoff and the costs above. We prepare a written estimate for your address before you decide anything, using a valuation from matching Stuart sales and the actual Martin County charges, and we put a guaranteed cash offer beside it if you want to compare a certain, as is sale with a listing. Request it with the form on this page.

Stuart Costs Beyond the County Norms

Selling in Stuart brings costs the county averages do not show. A waterfront seller is often asked for a seawall and dock inspection, and a buyer's lender or insurer may want an elevation certificate, a four-point report and a wind mitigation report. Older homes in Port Salerno and North River Shores can raise septic questions that a buyer will want inspected. Club homes may carry transfer or capital contribution obligations that a seller should understand before estimating what the sale will net. Open or expired permits for docks, lifts, windows or additions must be closed with whoever issued them, which may be the City of Stuart or Martin County depending on the address, and that work can outlast the timeline in a contract.

Selling a Stuart Condo or Association Home

Selling a Stuart condominium or association home runs through the board. The buyer applies for approval, and 55-plus communities such as Miles Grant, Kingswood and Conquistador also confirm that the household meets the age rules, which adds time. Florida law lets the association charge for the estoppel certificate that states what the seller owes, and buyers will ask for the budget, the reserves, the structural integrity reserve study and, for buildings of three stories or more, the milestone inspection before they commit. Where an assessment has been approved, the contract should say who pays it. At Kingswood each phase has its own association, so a Stuart seller there should have that phase's documents ready rather than papers for the whole complex.

When Stuart Sellers Close Fastest

Stuart sellers meet a larger pool of buyers when winter residents are in town, from January through April, so waterfront homes, Hutchinson Island condos and 55-plus units listed ahead of that window get the widest exposure. Families tend to shop in spring for a summer move, which suits the townhomes and planned communities of south Stuart. Hurricane season, from June through November, can pause insurance binding when a storm is named, and that slows closings on waterfront and older homes in particular. A cash sale on a house with no association can close in a few weeks, while a sale that needs a club or condo approval takes longer, and a Stuart seller should build that time into the contract dates.

Recently Sold in Stuart

The newest closings in Stuart, with the sale price, closing date and days on market for each.

Recently sold homes in Stuart

What Is Your Stuart Home Worth?

Request a free valuation built on recent Stuart sales, or a full comparative market analysis before you list. No fee, no obligation, and a licensed broker answers within one business day.

Cost to Sell: Frequently Asked Questions

How much does it cost to sell a house in Stuart?: Apart from the mortgage payoff, a Stuart seller pays the brokerage commission, the Florida documentary stamp tax on the deed, title and settlement charges, prorated property taxes, any association estoppel fee and unpaid dues, and whatever repairs or credits are agreed after inspection. Everything is deducted at closing; nothing is paid up front. We prepare a written net proceeds estimate for your address before you decide.
How much are documentary stamps on a home sale in Martin County?: In Martin County the documentary stamp tax on a deed is 70 cents per $100 of the sale price, the rate in every Florida county except Miami-Dade. On the median Stuart single family home sale of $603,000, that is about $4,221. The seller customarily pays it.
Who pays for title insurance in Martin County, the buyer or the seller?: By local custom the seller chooses the title company and pays for the owner's policy in Martin County. In Miami-Dade and Broward the custom is reversed and the buyer pays. It is a custom, not a law, so the contract controls.
Do I pay capital gains tax when I sell my home in Florida?: Florida has no state income tax, so any tax on the gain is federal. If the home was your main residence for two of the last five years you can usually exclude up to $250,000 of gain, or $500,000 for a married couple filing jointly. Second homes and rentals do not qualify. This is general information, not tax advice; confirm it with a CPA.
Do I have to make repairs before I sell?: No. You can sell as is, and the standard Florida as is contract gives the buyer an inspection period rather than a repair obligation. Repairs become a negotiation after the inspection, usually settled with a credit. If you would rather avoid showings and inspections altogether, ask us for the guaranteed cash offer and compare it with the listing estimate.