220 SW WILLOW LAKE Trail, Stuart, FL 34997

$998,777

Virtual Tour

https://www.propertypanorama.com/220-SW-WILLOW-LAKE-Trail-Stuart-FL-34997/unbranded

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 4,442 Status: Active

Current Price: $998,777 List Date: 7/24/2026 Last Modified: 8/11/2026

Overview

Description

Rare find! Waterfront living under $1M with direct ocean access! Experience the charm of classic Florida lifestyle. This stunning 4-Bedroom, 3.5-Bath pool home with approximately over 150ft of waterfront in desirable Stuart, FL. Provides Deep water for large vessels. Showcasing modern conveniences & refined finishes, the home features tile flooring, an upgraded kitchen with black stainless-steel appliances, granite countertops, and striking pecky cypress walls. The central stone fireplace adds warmth and character, while the 75x14 screened porch invites relaxation. Impact sliders, doors, and skylights provide both security and natural light, complementing the beautifully updated bathrooms. Adding to its charm, the property includes partial ownership of a serene lake with a picturesque

Supplements: waterside gazebo. Enjoy smooth ocean access with no fixed bridges all nestled on a quiet street. Don't miss out!

Listing Details MLS# B26055689

General Property Information

Property Sub Type: Single Family Residence
Bedrooms Total: 4
Bathrooms Total: 4
Bathrooms Full: 3
Bathrooms Half: Yes
Building Area Main: 4442
Building Area Source: Public Records
Living Area Main: 2613
Living Area Source: Public Records
Accessibility Features YN: No
Year Built: 1981
Garage YN: Yes
Garage Spaces: 2.5
Covered Spaces: 2.5
Parking Total: 2
Gated Community YN: No
Lot Size Area: 20553
Lot Size Acres: 0.47
Senior Community YN: No
Waterfront YN: Yes
Outdoor Living Spaces YN: Yes
Stories Total: Yes
Stories: Yes
Direction Faces: Southwest
Fireplace YN: Yes
Pool Private YN: Yes
Furnished: Unfurnished
LP/Assessed Value: 1.2

Property Features

Dining Area: Breakfast Area; Dining/Living Room Electric: Three Phase Exterior Features: Pool Bathroom Fireplace Features: Decorative Flooring: Ceramic Tile Leasing Permitted Details: Okay To Lease Parking Features: Concrete; Driveway; Garage Door Opener; Detached Garage; Garage Property Condition: Resale Special Listing Conditions: Standard Appliances: Dishwasher; Disposal; Electric Range; Ice Maker; Microwave; Refrigerator Architectural Style: Key West Construction Materials: Frame; Stone Veneer; Wood Siding Cooling: Central Air Heating: Central; Electric Interior Features: Bedroom Layout - Split; Built-in Features; Cabana Bath; Cathedral Ceiling(s); Closet Cabinetry; Entrance Foyer; High Ceilings; Kitchen Island; Pantry; Storage; Vaulted Ceiling(s); Walk-In Closet(s) Laundry Features: Inside; Laundry Closet; Washer Hookup Listing Terms: Cash; Conventional Lot Features: Cul-De-Sac; Irregular Lot Pets Allowed YN: Yes Pets Allowed: No Restrictions Pool Features: In Ground Possession: Close Of Escrow Restrictions: No Restrictions Road Surface Type: Paved Roof: Metal Security Features: Smoke Detector(s) Sewer: Septic Tank Special Information: Sold As-Is Structure Type: House Tax Information: County Only Utilities: Cable Available; Water Available View: Pool; Water Water Access: No Fixed Bridge; Ocean Access; River Access Water Source: Public; Well Water View: River Waterfront Features: Navigable Water; Rip Rap; River Front Showing Requirements: 24 Hour Notice; Appointment Only; Occupied Outdoor Living Spaces: Deck; Patio; Porch Patio Details: Patio - Covered; Patio - Screened Porch Details: Porch - Screened Room Types: Bedroom 2; Bedroom 3; Bedroom 4; Dining Room; Great Room; Kitchen; Laundry; Living Room; Master Bedroom; Utility Room Acreage Description: 1/4 To Less Than 1/2 Acre Lot; Less Than 1 Acre Lot

Contract Information

Comp Sale YN: No
Original List Price: 998777
Negotiable Seller Concessions YN: No
Listing Service: Full Service
Seller Represented YN: No

Location and Legal

Country: United States
County Or Parish: Martin
Street Number: 220
Street Direction Prefix: SW
Street Name: WILLOW LAKE
Street Suffix: Trail
Municipality Type: Unincorporated
State Or Province: FL
Postal Code: 34997
Postal Code +4: 7425
Subdivision Name: CAPE LIVE OAK
Area: 6070 - Stuart - South of Indian St
Geographic Area: MRTC - Martin County
Elementary School: Crystal Lake (Martin)
Middle Or Junior School: Dr. David L. Anderson
High School: Martin County
Special Assessment YN: No
Parcel Number: 553841421000000401
Subdivision Number: 421
Zoning: Res SF
Flood Zone: AE
Directions: I-95 to Kanner Hwy, east, left on Gaines, left on Willow Lake Trail all the way toward end. Howes will be on the left.

Financial Information

Master Association YN: No
Membership Fee Required YN: No
Tax Annual Amount: 13555.8
Tax Year: 2025
Tax Assessed/SOH Value: 833030
Tax Legal Description: CAPE LIVE OAK LOT 4
Assessor Market Value: 833030
Estimated Monthly Assoc Recurring Fee: 0

Status Change Information

Major Change Timestamp: 2026-07-24T13:39:14Z
Major Change Type: New Listing
Status Change Date: 2026-07-24
Back on Market Date: 2026-07-24

More Information

Entry Information

Entry Location: Entry Level Living Area Y

Leasing Permitted Details

Leasing Permitted YN: Yes
Okay To Lease: Yes

Boat and Dock Information

Dock: No

Main Level Rooms

Main Level Bathrooms: 3
Main Level Bedrooms: 4

Pet Details

Pet Fee YN: No

Leasing Restrictions

Leasing - Max Times Per Year: Yes
Leasing - Minimum Number of Days: 365

Storm Protection

Impact Glass: Partial

Room Types

Bedroom 2 Level: Main
Bedroom 3 Level: Main
Bedroom 4 Level: Main
Dining Room Level: Main
Kitchen Level: First
Living Room Level: First
Master Bedroom Level: First
Utility Room Level: Main
Bedroom 2: Yes
Bedroom 3: Yes
Bedroom 4: Yes
Dining Room: Yes
Great Room: Yes
Kitchen: Yes
Laundry: Yes
Living Room: Yes
Master Bedroom: Yes
Utility Room: Yes

Price Calculations

Current Price To SqFt: 382.23

Originating Details

Originating System Key: 20260723154304983707000000
Originating System ID: M00000170

Office/Member Information

DXORIGMLSID: RML

Dining Area

Breakfast Area: Yes
Dining/Living Room: Yes

Electric

Three Phase: Yes

Exterior Features

Pool Bathroom: Yes

Fireplace Features

Decorative: Yes

Flooring

Ceramic Tile: Yes

Parking Features

Concrete: Yes
Driveway: Yes
Garage Door Opener: Yes
Detached Garage: Yes
Garage: Yes

Property Condition

Resale: Yes

Special Listing Conditions

Standard: Yes

Structure Type

House: Yes

Possession

Close Of Escrow: Yes

Sewer

Septic Tank: Yes

Special Information

Sold As-Is: Yes

Utilities

Cable Available: Yes
Water Available: Yes

View

Pool: Yes
Water: Yes

Heating

Central: Yes
Electric: Yes

Water Access

No Fixed Bridge: Yes
Ocean Access: Yes
River Access: Yes

Water View

River: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Electric Range: Yes
Ice Maker: Yes
Microwave: Yes
Refrigerator: Yes

Construction Materials

Frame: Yes
Stone Veneer: Yes
Wood Siding: Yes

Interior Features

Bedroom Layout - Split: Yes
Built-in Features: Yes
Cabana Bath: Yes
Cathedral Ceiling(s): Yes
Closet Cabinetry: Yes
Entrance Foyer: Yes
High Ceilings: Yes
Kitchen Island: Yes
Pantry: Yes
Storage: Yes
Vaulted Ceiling(s): Yes
Walk-In Closet(s): Yes

Laundry Features

Inside: Yes
Laundry Closet: Yes
Washer Hookup: Yes

Listing Terms

Cash: Yes
Conventional: Yes

Lot Features

Cul-De-Sac: Yes
Irregular Lot: Yes

Pool Features

In Ground: Yes

Road Surface Type

Paved: Yes

Roof

Metal: Yes

Security Features

Smoke Detector(s): Yes

Water Source

Public: Yes
Well: Yes

Waterfront Features

Navigable Water: Yes
Rip Rap: Yes
River Front: Yes

Architectural Style

Key West: Yes

Cooling

Central Air: Yes
Electric: Yes

Showing Requirements

24 Hour Notice: Yes
Appointment Only: Yes
Occupied: Yes

Master Bedroom/Bath

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

Pets Allowed YN

Yes: Yes

Pets Allowed

No Restrictions: Yes

Restrictions

No Restrictions: Yes

Tax Information

County Only: Yes

Outdoor Living Spaces

Deck: Yes
Patio: Yes
Porch: Yes

Patio Details

Patio - Covered: Yes
Patio - Screened: Yes

Porch Details

Porch - Screened: Yes

Acreage Description

1/4 To Less Than 1/2 Acre Lot: Yes
Less Than 1 Acre Lot: Yes

Room Information

Room Name	Length	Width	Level
Living Room	18.00	16.00	First
Kitchen	16.00	16.00	First
Master Bedroom	18.00	15.00	First
Dining Room	18.00	16.00	Main
Bedroom 2	15.00	14.00	Main
Bedroom 3	15.00	13.00	Main
Bedroom 4	13.00	13.00	Main
Utility Room	11.00	8.00	Main
Great Room
Laundry

Listing Office: Illustrated Properties LLC

Last Updated: August - 11 - 2026

This information is not verified for authenticity or accuracy and is not guaranteed and may not reflect all real estate activity in the market. Copyright 2026 Beaches Multiple Listing Service, Inc. All rights reserved. Information Not Guaranteed and Must Be Confirmed by End User. Site contains live data.

220 SW WILLOW LAKE Trail, Stuart, FL 34997 (MLS# B26055689)