3098 Sw Cedar Trail

Palm City, FL
$ 995,000 Beds 4 Baths 2 Sq 2,746 Virtual Tour
Monthly Estimate* How much can I afford?

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!

Active

  • Price
  • $ 995,000
  • City
  • Palm City
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • Martin
  • Half Bathrooms
  • 0
  • Area
  • 6090 - Palm City
  • Lot Size
  • 0.24 Acres
  • Zip
  • 34990
  • Sqr Footage
  • 2,746
  • Year Built
  • 1996
  • Taxes
  • $ 13701
  • Style
  • MLS#
  • B26014459
Listed By: Keller Williams Realty Of The
Data Source: Beaches MLS (FL)

Features

General

Membership Required false
Membership Description No Membership Available
Sewer Septic Tank
Heating Central,Electric,Zoned
Cooling Central Air,Electric,Zoned
Utilities Cable Available,Electricity Connected,Phone Available
Possession Close Of Escrow
Roof Metal
Appliances Dryer,Dishwasher,Electric Water Heater,Disposal,Microwave,Range,Refrigerator,Water Heater,Washer
HOA Fee 25
Association Fee Includes Common Areas
Patio/Porch Features Covered,Deck,Patio,Porch,Screened,Balcony
Architectural Style Florida
Pool Features Free Form,Heated,In Ground,Other,Pool Equipment,Private
Security Features Security System,Smoke Detector(s)
Construction Materials Fiber Cement,Frame
Pets Allowed No Pet Restrictions,Yes
Year Built 1996
View Canal,Water
Stories Count 2
Levels Multi/Split,Two
Property Subtype Single Family Residence
Tax Year 2025
Waterfront Features Canal Access,Canal Front,Navigable Water,No Fixed Bridges,Ocean Access,Other,River Access,Seawall
Community Features Home Owners Association,Boat Facilities
Accessibility None
Assoc Fee Paid Per Monthly
County Martin
New Construction false
Property Type Residential
Association Amenities Boating
Subdivision Name RUSTIC HILLS
Facing Direction East
Garage Y/N false
Other Structures Cabana,Shed(s)
Full Baths 2
Status Active
Directions I-95 to exit 102 for High Meadow Ave, Merge onto SW High Meadow Ave, At the traffic circle, continue straight onto SW Covered Bridge Dr, left onto SW Cedar Trail
High School Martin County
City Palm City
Senior Community Y/N false
MLS Area 6090 - Palm City
Carport Y/N false
Spa Features Above Ground
Elementary School Bessey Creek
Land Lease Y/N false
Tax Annual Amount 13701.5
Middle/Junior High School Hidden Oaks
Property Condition Resale
MLS Area Minor MRTC - Martin County
Virtual Tour https://www.propertypanorama.com/3098-SW-Cedar-Trail-Palm-City-FL-34990/unbranded
Standard Status Active
Occupancy Type Tenant
Property Sub Type Additional Single Family Residence
PostalCity Palm City
Legal Description RUSTIC HILLS LOT 41 UNINCLUDED OR 344/1296

Interior Features

Interior Amenities 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
Furnished Y/N Negotiable
Fireplace Features Wood Burning
Total Stories 2
Air Conditioning Y/N true
Heating Y/N true
Window Features Shutters
Fireplace Y/N true
Laundry Features Inside,Laundry Closet
Total Bedrooms 4
Entry Level 1
Main Level Bedrooms 2
Main Level Bathrooms 1
Total Baths 2

Exterior Features

Private Pool true
Exterior Amenities Balcony,Lighting,Outdoor Living Area,Outdoor Shower,Propane Tank - Owned,Porch
Fencing Fenced,Partial
Parking Features Driveway,Open
Lot Features Cul-De-Sac,Irregular Lot,Many Trees,Sprinklers Automatic,Sprinkler System,< 1/4 Acre
Water Source Well
Total Parking 4
Lot Size Area 10221
Spa true
Building Area Total 3352
Lot Dimensions 96'water x161'x70'x141'
Lot Size Acres 0.24
Road Surface Type Paved
Frontage Length 96.00
Frontage Type Waterfront
Waterfront Y/N true
Door Features French Doors
Road Frontage Type Private Road
Other Equipment Fuel Tank(s)

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Lake Worth, FL office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
Agent Photo

Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Bessey Creek Elementary School
Middle School Hidden Oaks Middle School
High School Martin County High School

Price History

4/12/2026 Listed $1,195,000
5/8/2026 12% - $1,050,000
6/16/2026 5% - $995,000

Property vs Zip Code Average in 34990

Price
AVG $890K
$1,000K
Taxes
AVG $6,878
$13,701
Year Built
AVG 1997
1996

In The Neighborhood

Areas That We Cover

3098 Sw Cedar Trail Palm City, FL is a Single Family Home for sale at $995000 with 2746 sqft and a lot size of 0.24 Acres Acre(s). 3098 Sw Cedar Trail Palm City has 4 bedrooms, 2 baths and was built in 1996. The property's zip code is 34990 which is in Palm City, FL

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Your Agent
Ron Shaban

Ron Shaban

561-468-5124

Find your home's value