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Vera Vita Real Estate

— About this home

The HORIZON is designed for comfort, simplicity, and effortless Florida living. With 1,135 square feet of well-planned space, this two-bedroom layout is ideal for those who want a cozy low-maintenance home while still enjoying the amenities and lifestyle of Spanish Lakes. The great room is the heart of the home, offering plenty of room for relaxing, hosting friends, or enjoying a quiet morning & it flows into a thoughtfully designed kitchen that features an island, generous counter space, a pantry. The owners suite offers a walk-in closet & private bathroom. Bedroom 2 is a perfect space for overnight guests, craft room, or home office. Features coastal-inspired exterior styles with metal roofs and impact glass windows, offering both beauty and peace of mind.

— Facts & features

Interior

  • Pantry
  • Split Bedroom
  • Walk-In Closet(s)
  • Utility Room/Laundry

Appliances

  • Electric Water Heater
  • Dishwasher
  • Microwave
  • Electric Range

Cooling & heating

  • Central Air
  • Electric
  • Central
  • Electric

Flooring

  • Carpet

Parking

  • 1 Space
  • Parking Garage

Security

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

Laundry

  • Laundry Room
  • Utility Room/Laundry
  • Washer Hookup

Pets

  • Yes

Construction & roof

  • CBS Construction
  • Metal
  • Metal Roof

— Assigned schools

High

Fort Pierce Westwood

School assignments should be independently verified.

— Location

50 Montoya, Fort Pierce

— Mortgage Estimator

Estimate your monthly cost.

For a personalized quote or pre-approval, we'll connect you with one of our trusted lending partners.

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% · $45,798
%
$183,192 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
$1,605
Per month, all-in
76%P&I SHARE
Monthly breakdown
  • Principal & interest$1,21876%
  • Property taxes$20012%
  • Insurance$18712%

Tax: Martin County effective rate (1.05%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.

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
$57,794
Income to qualify
$69,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $15/mo and $5,301 over the life of this loan.

Over the life of the loan
Total paid
$438,540
Total interest
$255,348
Paid off
2056
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The data relating to real estate for sale on this web site comes in part from the participants of the Miami Association of REALTORS® IDX program. Information is deemed reliable but not guaranteed. Listings displayed may not reflect all real estate activity in the market. Copyright © 2026 Miami Association of REALTORS®. All rights reserved.