1428 SE Summit Trail, Stuart FL 34997, STUART, FL, 34997
Active77 days on marketListed May 7, 2026MLS #B26025328
About this home
1428 SE Summit Trail, Stuart FL 34997
Enjoy lakefront living in Legacy Cove. This impressive two-story home delivers 5-bedrooms, 4.5-baths, a loft, and over 3,500 square feet of living space. The kitchen anchors the main floor beautifully. A large center island with granite counters, bar seating for four, stainless steel appliances, a generous pantry, and 42" upper cabinets with glass mullions and rope moulding. The main floor also includes diagonal ceramic tile throughout, a guest suite with a private full bath, formal living and dining rooms, and a comfortable family room. Upstairs, a sprawling 20x13 loft offers the perfect flex space for a playroom, media room, or home office. The primary suite overlooks the lake with dual walk-in closets, separate granite vanities, soaking tub and separate shower. Two additional bedrooms and a second en-suite complete the upper level, leaving plenty of room for family and guests. Additional highlights include hurricane impact windows throughout, a widened brick paver driveway, a 3-car garage, and a covered patio and porch perfect for outdoor enjoyment. Legacy Cove offers resort-style amenities including a clubhouse, fitness center, community pool, tennis courts, and a children's play area. Conveniently located just minutes from downtown Stuart, shopping, dining, beaches, and I-95, this home combines luxury, location, and lifestyle in one rare offering.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,557
Sqft
0.22 ac
Lot size
3
Garage
2013
Year built
2
Levels
$211
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,324 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,324/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−34.2%
Days on market
77 vs 94 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Legacy Cove
Get to know Stuart. See the full Stuart guide →
Legacy Cove — neighborhood snapshot
Population
614
Median age
52
Median income
$73,669
Median home value
$369,000
Avg household
2
Households w/ children
50%
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$220K → $1.0M
Stuart median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 93% above the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1428 SE Summit Trail — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1428 SE Summit Trail — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1428 SE Summit Trail FAQs
What would the monthly payment be for 1428 SE Summit Trail, Stuart FL 34997?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,324/mo — principal and interest, the actual property-tax bill, the $360/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1428 SE Summit Trail, Stuart FL 34997?+
The association fee works out to $360 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1428 SE Summit Trail, Stuart FL 34997?+
The most recent tax bill on record (2025) was $5,712. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1428 SE Summit Trail, Stuart FL 34997?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Stuart?+
At $750,000, this home is listed about 183% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1428 SE Summit Trail, Stuart FL 34997?+
Dr. David L. Anderson Middle School (middle), Pinewood Elementary School (elementary), Martin County High School (high) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$750,000 runs 93% above the STUART 34997 median — but at 3,557 sqft it's also nearly 4 times the size of the typical Stuart listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $800,000, now $750,000 — a $50K cut. The full history is in the market section below.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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