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About this home

Welcome to this stunning single-story St. Lucia model, built in 2020 and perfectly situated within the highly desirable gated community of Banyan Bay. This immaculate 3- bedroom, 2-bath, 2-car garage home offers a bright, open-concept layout designed for both comfort and effortless entertaining. Set on a premium preserve lot adjacent to a quiet cul-de-sac, the home provides exceptional privacy and serene natural views. Inside, you'll find impact windows and doors, elegant plantation shutters, wood-look plank tile flooring, stainless steel appliances, an oversized kitchen island with pantry, and expansive double sliders that seamlessly blend indoor and outdoor living. Step onto your lanai and unwind while enjoying peaceful preserve views and breathtaking western sunsets. With room to add a pool, the backyard offers endless potential to create your own private oasis. Located in the gated community of Banyan Bay, residents enjoy a low maintenance lifestyle with lawn care, irrigation, quarterly pest control, and fertilization. Community amenities include St. Lucie River access with a fishing dock, kayak and paddle board launch, and gazebo. The clubhouse features a fitness center, heated pool, activity room, and catering kitchen perfect for gatherings or simply enjoying the Florida lifestyle.

Facts & features

Interior

  • Cooking Island
  • Pantry
  • Volume Ceilings
  • Walk-In Closet(s)
  • Family Room
  • Great Room
  • Utility Room/Laundry

Appliances

  • Dishwasher
  • Dryer
  • Ice Maker
  • Microwave
  • Refrigerator
  • Washer

Cooling & heating

  • Ceiling Fan(s)
  • Central Air
  • Electric
  • Central
  • Electric

Flooring

  • Carpet

Parking

  • 2 Or More Spaces
  • Parking Garage
  • No Rv/Boats

Community amenities

  • Bike/Jog Path
  • Barbecue
  • Clubhouse
  • Clubhouse-Clubroom
  • Community Room
  • Community Pool
  • Exercise Room
  • Library
  • Pool
  • Private Pool

Security

  • Smoke Alarm
  • Smoke Detector(s)
  • Smoke Detector

Laundry

  • Laundry Room
  • Utility Room/Laundry

Maintenance includes

  • Maintenance Incl Common Area
  • Security

Pets

  • Yes

Construction & roof

  • Concrete Block Construction
  • CBS Construction
  • Flat Tile
  • Flat Roof With Facade Front

Assigned schools

Middle

Dr. David L. Anderson

High

Martin County High

School assignments should be independently verified.

Location

4630 SW Ardsley Drive, Stuart

Mortgage Estimator

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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% · $139,800
%
$559,200 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
$5,238
Per month, all-in
71%P&I SHARE
Monthly breakdown
  • Principal & interest$3,71871%
  • Property taxes$62512%
  • Insurance$56911%
  • HOA$3256%

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
$166,779
Income to qualify
$225,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $44/mo and $16,181 over the life of this loan.

Over the life of the loan
Total paid
$1,338,658
Total interest
$779,458
Paid off
2056
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