576 SW Rustic Circle, Stuart FL 34997, STUART, FL, 34997
Active50 days on marketListed Jun 2, 2026MLS #B26035855
About this home
576 SW Rustic Circle, Stuart FL 34997
Fully Renovated Double-Lot Retreat — In the Boating Community of Rustic Acres. Rare opportunity to own a fully renovated double-lot retreat in the highly desirable boating community of Rustic Acres in Stuart. While the home itself sits inland for privacy and tranquility, residents enjoy a shared private dock and pavilion with ocean access — and no fixed bridges to open water — making this the ideal home base for the boating lifestyle without the waterfront tax bill. Situated on a fully fenced half-acre double lot, the property offers privacy, space, and room for boats, RVs, and recreational vehicles, all behind a private sliding gate entrance. This 3-bedroom, 2-bath home spans over 2,500 square feet of thoughtfully blended character and modern updates. Recently completed a full top-to-bottom renovation: brand-new tile flooring throughout the lower level and main living areas, new vinyl flooring throughout the upper level, two beautifully redone bathrooms, and fresh designer paint inside and out. The home's signature warmth is preserved in the Pecky cypress accent walls and the wood-burning fireplace in the family room — classic Florida charm meets contemporary livability. Multiple living areas give the home flow and flexibility, and the spacious primary suite includes a flex room ideal as an office, nursery, or sitting area. A 2022 metal roof and full hurricane shutters round out the major systems.Step outside to a true tropical escape: beautifully landscaped with mature fruit trees — mango, banana, avocado, papaya, orange, and grapefruit — a screened above-ground pool, a gazebo solarium, and a detached cottage currently used as a fitness studio with full guest-house potential. A detached 3-car carport with golf cart storage rounds out the property. Rustic Acres residents enjoy access to the community's private floating dock and pavilion, with a short boat ride to Downtown Stuart's restaurants, shopping, and waterfront attractions. Low HOA of just $66.67/month. A one-of-a-kind opportunity — privacy, community ocean access, and a fully renovated home all in one. Schedule your private tour today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,559
Sqft
0.5 ac
Lot size
1
Garage
1978
Year built
2
Levels
$277
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.
$4,372 /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
$4,372/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
−27.8%
$/sqft vs Stuart actives
$277 vs $265
Days on market
50 vs 94 typical
Where $277/sqft sits among the 400 Stuart actives
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 Rustic Acres
Get to know Stuart. See the full Stuart guide →
Rustic Acres — neighborhood snapshot
Population
517
Median age
50
Median income
$110,913
Median home value
$551,800
Avg household
3
Households w/ children
25%
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)
42 of 400
Stuart actives have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 82% above the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 576 SW Rustic Circle
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$350,000
576 SW Rustic Circle, Stuart FL 34997 · same community
3 bd · 2 ba · 2,559 sqft · $137/sqft · 64 DOM
Sold · Oct ’25$1,175,000
563 SW Lost River Road, Stuart FL 34997
4 bd · 3 ba · 2,568 sqft · $458/sqft · 87 DOM
Sold · May ’26$1,100,000
4973 SW Winchester Drive, Stuart FL 34997
3 bd · 2.5 ba · 2,668 sqft · $412/sqft · 11 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 576 SW Rustic Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 576 SW Rustic Circle — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
576 SW Rustic Circle FAQs
What would the monthly payment be for 576 SW Rustic Circle, Stuart FL 34997?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,372/mo — principal and interest, the actual property-tax bill, the $66/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 576 SW Rustic Circle, Stuart FL 34997?+
The association fee works out to $66 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 576 SW Rustic Circle, Stuart FL 34997?+
The most recent tax bill on record (2025) was $593. 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 576 SW Rustic Circle, 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 $709,900, this home is listed about 168% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 576 SW Rustic Circle, Stuart FL 34997?+
Dr. David L. Anderson Middle School (middle), Crystal Lake 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
Four things that matter here
01Positioned at the premium end
$709,900 runs 82% above the STUART 34997 median — but at 2,559 sqft it's also nearly 3 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.
03Strong assigned schools
Dr. David L. Anderson Middle School, Crystal Lake Elementary School, Martin County High School — Crystal Lake Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $729,900, now $709,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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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