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Vera Vita Real Estate

— About this home

Welcome to Tiara Towers Condominium, a 15-story oceanfront community offering direct beach access by easement and resort-style amenities. This 2nd-floor corner unit features 1,892 sq ft of living space with stunning ocean and Intracoastal views. Inside, the home opens with a welcoming foyer leading to a spacious living area finished with tile flooring that flows into the dining and kitchen. The kitchen includes appliances, ample cabinetry for storage, and a countertop with bar seating. A separate laundry room adds everyday convenience. The unit offers 3 bedrooms and 2 full baths, each bedroom with its own closet and carpet flooring. The master bedroom and living room both provide access to a covered balcony through separate sliding doors, where accordion shutters protect all windows and enclose the balcony for peace of mind. Community amenities include 2 swimming pools, 2 spas, 2 fitness centers, 2 clubrooms, 2 grill areas, tennis courts, garages, and beach access. With its corner location, spacious layout, and resort-like setting, this residence is ideal for enjoying the best of Hutchinson Island living.

— Facts & features

Interior

  • Lobby
  • Bar
  • Closet Cabinetry
  • Elevator
  • Fire Sprinklers
  • Entrance Foyer
  • Pantry
  • Split Bedroom
  • Walk-In Closet(s)
  • Storage

Exterior

  • East Of Us1
  • Exterior Cat Walk
  • Balcony
  • Tennis Court(s)

Appliances

  • Electric Water Heater
  • Dishwasher
  • Disposal
  • Ice Maker
  • Microwave
  • Electric Range
  • Refrigerator

Cooling & heating

  • Central Air
  • Humidity Control
  • Reverse Cycle
  • Central
  • Electric
  • Reverse Cycle Unit
  • Reverse Cycle

Flooring

  • Carpet

Parking

  • 1 Space
  • Detached
  • Limited # Of Vehicle
  • Parking Garage

Waterfront

  • Intracoastal Front

View

  • Intracoastal View
  • Ocean
  • Direct Ocean
  • Ocean View

Community amenities

  • Bike Storage
  • Barbecue
  • Gated
  • Community Room
  • Community Pool
  • Elevator(s)
  • Exercise Room
  • Storage
  • Pool
  • Private Pool

Security

  • Smoke Alarm
  • Smoke Detector(s)
  • Fire Sprinkler System
  • Fire Sprinklers
  • Security System
  • Smoke Detector
  • Key Card Entry
  • Card Entry
  • Phone Entry
  • Intercom In Lobby

Laundry

  • Laundry Room
  • Utility Room/Laundry
  • Washer Hookup

Maintenance includes

  • Cable Tv
  • Elevator
  • Maintenance Incl Common Area
  • Insurance
  • Internet/WiFi
  • Pest Control Interior
  • Security
  • Sewer
  • Trash Removal
  • Water

Pets

  • Yes

Construction & roof

  • Concrete Block Construction
  • Other
  • Piling Construction
  • Other Roof/Roof Structure
  • Other

— Assigned schools

High

Fort Pierce Westwood

School assignments should be independently verified.

— Location

3120 N Highway A1a, Fort Pierce

— Mortgage Estimator

Estimate your monthly cost.

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeMartin
Martin County (approximate from ZIP prefix).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $65,000
%
$260,000 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$4,379
Per month, all-in
39%P&I SHARE
Monthly breakdown
  • Principal & interest$1,72939%
  • Property taxes$65915%
  • Insurance$2656%
  • HOA$1,72639%

Tax: From listing — annual tax of record.

Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.

Cash & qualification
Cash at closing
$82,834
Income to qualify
$188,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $21/mo and $7,524 over the life of this loan.

Over the life of the loan
Total paid
$622,409
Total interest
$362,409
Paid off
2056
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