Florida is basically a sea of stucco. If you’ve spent any time driving through Martin County, you know the vibe—meticulously manicured lawns, gated entries, and a lot of communities that look exactly like the one you just passed three miles back. But Ocean Pointe Stuart FL manages to dodge that generic "cookie-cutter" bullet. It’s a bit of a local secret, tucked away just enough to feel private but close enough to the action that you aren't living in a dead zone.
It’s small.
That’s the first thing you notice. In a state where 500-unit developments are the norm, Ocean Pointe is an intimate cluster of just 45 townhomes. It’s located right off Ocean Boulevard, which, if you know Stuart, is essentially the gateway to the beach. You’re not just near the water; you’re living in the salty air. Honestly, the location is the biggest flex here. You can literally hop on a bike and be at the Stuart Causeway or the beach in minutes. For people who actually want to use the Atlantic Ocean rather than just look at it from a distance, this is the spot.
The Reality of the Ocean Pointe Layout
Most people looking at Ocean Pointe Stuart FL are hunting for that specific blend of "lock-and-leave" convenience and actual square footage. These aren't tiny condos. We are talking about multi-story townhomes that generally hover around 1,800 to over 2,000 square feet.
The floor plans are vertical. If you hate stairs, stop reading now. But if you like the idea of separation—where the noise from the kitchen doesn’t bleed into the master suite—the three-story layout is a win. Most units feature a ground-floor garage, which is a massive deal in Florida because, let’s be real, the sun will melt your car’s interior in July. Having that private garage space also means you have a place for your paddleboards, fishing gear, and all the other "Florida toys" that usually end up cluttering a living room.
Construction here is solid. We're talking CBS (concrete block system) on the first floor, which is the gold standard for hurricane season. It’s the kind of stuff that gives you a little extra peace of mind when the local news starts tracking a disturbance in the Atlantic.
Amenities and What You’re Actually Paying For
You aren't going to find a 24-hour concierge or a massive water park here. If you want that, go to one of the mega-resorts in West Palm. Ocean Pointe is more understated. There’s a community pool that serves as the neighborhood social hub. It’s clean, it’s quiet, and it’s rarely crowded because there are so few residents to begin with.
The HOA (Homeowners Association) fees here cover the basics that eat up your weekend: landscaping, pool maintenance, and basic insurance. It’s designed for the person who wants to spend their Saturday at the Sandsprit Park boat ramp rather than mowing a lawn.
The Stuart Lifestyle Factor
Living in Ocean Pointe Stuart FL means you are basically an honorary resident of Sewall’s Point and Hutchinson Island without the $3 million price tag. You’re positioned right at the "Snug Harbor" area.
Think about the geography.
To your east, you have the Jensen Beach and Stuart beaches. To your west, you have the historic downtown Stuart area. Downtown Stuart is genuinely one of the last "real" towns in Florida. It’s got the Lyric Theatre, which has been around since 1926. It’s got the Riverwalk. It’s got the Sunday morning green market. You can grab a coffee at Gilbert’s Coffee Bar—which is literally just down the road—and watch the boats go through the inlet.
There is a specific kind of person who ends up here. It’s usually someone who has outgrown the high-maintenance demands of a single-family home but isn’t ready to "retire" into a quiet, boring condo block. It’s an active community. You’ll see people washing their boats or heading out for a morning run toward the bridge.
Schools and Local Context
For families, the school district is a major draw. Martin County schools consistently outrank many of the surrounding counties. You’re looking at zoned schools like Felix A. Williams Elementary and Stuart Middle. People move to this specific zip code just to get their kids into these schools, and that demand keeps property values at Ocean Pointe Stuart FL pretty insulated from market dips.
The Downsides Nobody Mentions
Let’s be honest. No place is perfect. If you buy at Ocean Pointe, you’re on Ocean Boulevard. During the height of the "Season" (January through April), that road gets busy. You’re going to hear some traffic. It’s the price you pay for being two minutes from the sand.
Also, because the community is so small, inventory is non-existent half the time. You might wait six months for a unit to even hit the market. And when they do, they go fast. This isn’t a place where you can "think about it" for a week. You usually have to have your financing in order and a Realtor who is literally watching the MLS like a hawk.
The guest parking is also tight. If you’re planning on throwing a 50-person Christmas party, you’re going to have some grumpy neighbors. It’s a cozy, tight-knit community, which is great for safety and socializing, but less great for massive gatherings.
Market Trends in Martin County
Stuart has seen a massive influx of people from the Northeast and even from South Florida (Miami/Fort Lauderdale) looking to escape the chaos. This has pushed prices up across the board. Ocean Pointe remains a "mid-range" luxury option. It’s not "cheap," but compared to waterfront property on the island, it’s a bargain.
Real estate data from the last couple of years shows that townhomes in this 34996 zip code appreciate steadily. You aren't just buying a home; you're buying into one of the most stable real estate markets in the state. Martin County has strict 4-story height limits on buildings, which prevents the area from becoming another wall of skyscrapers like Miami. That "old Florida" feel is legally protected here.
Is it Worth the Move?
If you value privacy over flashy amenities, yes.
If you want to be able to walk to a waterfront restaurant like The Twisted Tuna or Shrimper’s, then Ocean Pointe Stuart FL puts you in the center of that world. It’s about the "Martin County Way"—which is basically code for living well, staying low-key, and spending as much time as possible on the water.
Moving Forward: Your Next Steps
If you are seriously considering a move to Ocean Pointe, you need to look beyond the Zillow photos.
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- Visit at 5:00 PM: Go to the area during rush hour. See if the traffic noise on Ocean Boulevard is something you can live with. For most, it's a non-issue once they're inside the CBS-constructed walls, but you should know for yourself.
- Check the HOA Docs: Request the most recent meeting minutes. Since it’s a small community, you want to see how they handle repairs and if there are any major special assessments on the horizon for things like roof replacements or paving.
- Walk the "Bridge Loop": Take the walk from Ocean Pointe over the Ernest Lyons Bridge. It’s one of the most beautiful views in the county. If that walk doesn't sell you on the location, nothing will.
- Talk to a Local Specialist: Don't just use a generic big-box agency. Find a Realtor who lives in or specializes in the 34996 zip code. They often hear about "pocket listings" before they ever hit the public internet.
The real draw of Ocean Pointe isn't just the floor plan or the pool. It’s the fact that you can wake up, check the tide, and be on the water before your coffee gets cold. In a world that’s getting louder and more crowded, that kind of accessibility is becoming the ultimate luxury.