2195 SW Shoal Creek Trace, Palm City, FL 34990

$489,000

Virtual Tour

https://www.zillow.com/view-imx/353bd641-0624-4dbf-99d6-3e7f8b2434e1?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,171 Status: Active

Current Price: $489,000 List Date: 7/29/2026 Last Modified: 8/06/2026

Overview

Description

Welcome to Charter Club at Martin Downs! This beautifully maintained 3 bedroom, 2.5 bath home offers an open-concept layout with high ceilings, a 1st floor primary suite and peaceful lake views. Enjoy indoor-outdoor living from the covered, screened patio, perfect for relaxing or entertaining. Additional features include impact windows, an EV charging station, and access to community amenities including a pool and tennis courts. Conveniently located near shopping, dining, golf, I-95, and the Turnpike.

Listing Details MLS# B26057985

General Property Information

Property Sub Type: Single Family Residence
Bedrooms Total: 3
Bathrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Building Area Main: 2171
Building Area Source: Public Records
Living Area Main: 1751
Living Area Source: Public Records
Accessibility Features YN: No
Year Built: 1989
Garage YN: Yes
Attached Garage YN: Yes
Garage Spaces: 2
Covered Spaces: 2
Parking Total: 4
Gated Community YN: Yes
Lot Size Area: 6117
Lot Size Acres: 0.14
Senior Community YN: No
Guest House YN: No
Waterfront YN: Yes
Outdoor Living Spaces YN: Yes
Stories Total: 2
Stories: 2
Direction Faces: Southwest
Fireplace YN: No
Pool Private YN: No
Furnished: Unfurnished
Year Roof Installed: 2011
LP/Assessed Value: 1.24

Property Features

Association Fee Includes: Cable TV; Common Areas; Internet; Maintenance Grounds; Recreation Facility; Security Dining Area: Breakfast Area; Dining/Living Room Flooring: Ceramic Tile; Laminate Leasing Permitted Details: Okay To Lease Parking Features: Driveway; Electric Vehicle Charging Station(s); Garage Door Opener; Attached Garage; Garage Property Condition: Resale Special Listing Conditions: Standard Appliances: Dishwasher; Electric Range; Microwave; Refrigerator; Water Heater Water Heater Details: Electric Water Heater Construction Materials: CBS; Concrete Block - With Stucco Cooling: Central Air Association Type: Homeowner Association Heating: Central Interior Features: Bedroom Layout - Split; Vaulted Ceiling(s) Laundry Features: Inside; Laundry Room Levels: Two Listing Terms: Cash; Conventional; FHA; VA Loan Lot Features: Interior Lot; Landscaped Main Living Area: Entry Level Pets Allowed YN: Yes Pets Allowed: Pet Restrictions Possible Possession: Close Of Escrow Restrictions: Buyer Approval Required; Parking - No Boat; Parking - No Motorcycle; Parking - No RV; Parking - No Trailer; Parking - No Truck; See Remarks Roof: Barrel; Tile Security Features: Gated - No Guard; Security System Sewer: Public Sewer Special Information: Deed Restrictions Sprinkler Description: Auto Sprinkler Structure Type: House Tax Information: City/County; County Only Utilities: Electricity Connected; Sewer Connected; Water Connected Water Source: Public Water View: Lake Waterfront Features: Lake Front Showing Requirements: Appointment Only; No Sign; Schedule Online Outdoor Living Spaces: Patio Patio Details: Patio - Covered; Patio - Screened Room Types: Bedroom 2; Bedroom 3; Den; Dining Room; Florida Room; Kitchen; Laundry; Living Room; Master Bedroom Acreage Description: Less Than 1/4 Acre Lot; Less Than 1 Acre Lot

Contract Information

Comp Sale YN: No
Original List Price: 489000
Negotiable Seller Concessions YN: Yes
Occupant Type: Owner
Listing Service: Full Service

Location and Legal

Country: United States
County Or Parish: Martin
County Parish Name: Martin
Street Number: 2195
Street Direction Prefix: SW
Street Name: Shoal Creek
Street Suffix: Trace
City Name: Palm City
Municipality Type: Unincorporated
State Or Province: FL
Postal Code: 34990
Postal Code +4: 6030
Postal Zip: 34990
Subdivision Name: CHARTER CLUB AT MARTIN DOWNS
Area: 6090 - Palm City
Geographic Area: MRTC - Martin County
Elementary School: Bessey Creek
Middle Or Junior School: Hidden Oaks
High School: Martin County
Special Assessment YN: No
Parcel Number: 183841018000016909
Subdivision Number: 18
Zoning: Residential
Flood Zone: X
Directions: Martin Downs Blvd to Charter Club
Multiple Offers Accepted: Yes

Financial Information

Association YN: Yes
Association Deposit YN: No
Association Fee: 1225
Association Fee Frequency: Quarterly
Association Membership: Mandatory
Application Required YN: Yes
Association Name: Charter Club at Martin Downs HOA Inc.
Association Phone: 772-678-6524
Association Email: charterclubatmartindowns@gmail.com
Association Website: https://www.thecharterclubonline.com/
Master Association YN: Yes
Master Association Name: Martin Downs Property Owners Association
Master Association Phone: (772) 283-4746
Master Association Email: reception@mdpoa.org
Master Association Website: mdpoa.org
Estimated Monthly Assoc Recurring Fee: 409
Membership Fee Required YN: No
Tax Annual Amount: 6681.67
Tax Year: 2025
Tax Assessed/SOH Value: 393960
Tax Legal Description: CHARTER CLUB AT MARTIN DOWNS LOT 169
Assessor Market Value: 393960

Status Change Information

Major Change Timestamp: 2026-07-29T19:42:16Z
Major Change Type: New Listing
Status Change Date: 2026-07-29

More Information

Application Fee Details

Application Fee Required: No

Leasing Permitted Details

Leasing Permitted YN: Yes
Okay To Lease: Yes

Capital Contributions

Capital Contributions YN: No

Main Level Rooms

Main Level Bathrooms: 2
Main Level Bedrooms: Yes

Pet Details

Pet Fee YN: No

Leasing Restrictions

Leasing - Max Times Per Year: Yes
Leasing - Minimum Number of Days: 90

Storm Protection

Impact Glass: Complete

Room Types

Kitchen Level: Main
Living Room Level: Main
Master Bedroom Level: Main
Bedroom 2: Yes
Bedroom 3: Yes
Den: Yes
Dining Room: Yes
Florida Room: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Master Bedroom: Yes

Price Calculations

Current Price To SqFt: 279.26

Originating Details

Originating System Key: 20260710143834960336000000
Originating System ID: M00000170

Office/Member Information

DXORIGMLSID: RML

Amenities

Heated Pool: Yes
Pickleball Court(s): Yes
Pool: Yes
Spa/Hot Tub: Yes
Tennis Court(s): Yes

Association Fee Includes

Cable TV: Yes
Common Areas: Yes
Internet: Yes
Maintenance Grounds: Yes
Recreation Facility: Yes
Security: Yes

Dining Area

Breakfast Area: Yes
Dining/Living Room: Yes

Flooring

Ceramic Tile: Yes
Laminate: Yes

Parking Features

Driveway: Yes
Electric Vehicle Charging Station(s): Yes
Garage Door Opener: Yes
Attached Garage: Yes
Garage: Yes

Property Condition

Resale: Yes

Special Listing Conditions

Standard: Yes

Structure Type

House: Yes

Possession

Close Of Escrow: Yes

Sewer

Public Sewer: Yes

Special Information

Deed Restrictions: Yes

Utilities

Electricity Connected: Yes
Sewer Connected: Yes
Water Connected: Yes

Heating

Central: Yes

Sprinkler Description

Auto Sprinkler: Yes

Water View

Lake: Yes

Appliances

Dishwasher: Yes
Electric Range: Yes
Microwave: Yes
Refrigerator: Yes
Water Heater: Yes

Construction Materials

CBS: Yes
Concrete Block - With Stucco: Yes

Interior Features

Bedroom Layout - Split: Yes
Vaulted Ceiling(s): Yes

Laundry Features

Inside: Yes
Laundry Room: Yes

Levels

Two: Yes

Listing Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA Loan: Yes

Lot Features

Interior Lot: Yes
Landscaped: Yes

Roof

Barrel: Yes
Tile: Yes

Security Features

Gated - No Guard: Yes
Security System: Yes

Water Source

Public: Yes

Waterfront Features

Lake Front: Yes

Water Heater Details

Electric Water Heater: Yes

Cooling

Central Air: Yes

Association Type

Homeowner Association: Yes

Showing Requirements

Appointment Only: Yes
No Sign: Yes
Schedule Online: Yes

Main Living Area

Entry Level: Yes

Master Bedroom/Bath

Dual Sinks: Yes
Master Bdrm - Ground: Yes
Separate Shower: Yes

Pets Allowed YN

Yes: Yes

Pets Allowed

Pet Restrictions Possible: Yes

Restrictions

Buyer Approval Required: Yes
Parking - No Boat: Yes
Parking - No Motorcycle: Yes
Parking - No RV: Yes
Parking - No Trailer: Yes
Parking - No Truck: Yes
See Remarks: Yes

Tax Information

City/County: Yes
County Only: Yes

Outdoor Living Spaces

Patio: Yes

Patio Details

Patio - Covered: Yes
Patio - Screened: Yes

Acreage Description

Less Than 1/4 Acre Lot: Yes
Less Than 1 Acre Lot: Yes

Room Information

Room Name	Length	Width	Level
Bedroom 2	12.00	11.00
Bedroom 3	11.00	10.00
Dining Room	14.00	11.00
Kitchen	20.00	14.00	Main
Living Room	18.00	13.00	Main
Master Bedroom	16.00	12.00	Main
Florida Room
Laundry
Den

Listing Office: RE/MAX Gold

Last Updated: August - 06 - 2026

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2195 SW Shoal Creek Trace, Palm City, FL 34990 (MLS# B26057985)