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Por Lucy López y Brian Wilder, Wilder Real Estate Group at Keller Williams Realty. Actualizado el 11 de noviembre de 2026. Precios del constructor verificados el 11 de noviembre de 2026. Read in English
Respuesta rápida
Al 11 de noviembre de 2026, Akel Homes lista dos modelos amueblados en Solana Bay, dentro de Avenir: la Huntington a $2,018,056 y la Manhattan a $2,287,823, cada una $50,000 menos según el aviso del constructor. Ambas se venden tal como están, con cierre en 60 días y un arrendamiento posterior de seis meses para el vendedor. Mudarse antes del 31 de diciembre no está garantizado.
By Brian Wilder and Lucy Lopez, Wilder Real Estate Group at Keller Williams Realty. Updated November 11, 2026. Builder prices checked November 11, 2026. Leer en español
Quick answer
As of November 11, 2026, Akel Homes lists two furnished models at Solana Bay in Avenir: the Huntington at $2,018,056 and the Manhattan at $2,287,823, each $50,000 lower per the builder's notice. Both sell as is, with a 60-day closing window and a six-month seller leaseback, so a December 31 move-in is not a given.
South Florida Luxury Estates & Penthouses: 28 Properties from $28.8M to $32M
Miami Beach island estates, Brickell penthouses, a Mizner landmark and Hillsboro Mile, presented by Brian Wilder of Keller Williams.
30Years in Real Estate
1,500+Properties Sold
225Google 5-Star Reviews
Keller WilliamsBrokerage
Between about $29 million and $32 million, South Florida's luxury market is split between island estates and sky-high penthouses. Miami Beach leads the list with homes on Hibiscus, Palm, Venetian and Dilido Islands, while Brickell offers two of the most dramatic penthouses in the city at Baccarat Residences and UNA. To the north, there are newly completed homes on Hillsboro Mile, point lots on Las Olas Isles and an Addison Mizner landmark in Palm Beach. Coral Gables adds gated Cocoplum and Old Cutler Bay, and Islamorada offers 220 feet of Florida Bay frontage.
Here are 28 properties for sale right now, grouped by area. Tap any photo or address for full details, or call Brian Wilder at (561) 201-4717 to arrange a private showing.
28 properties$28,800,000 to $32,000,0002 recent price reductions$841.5M combined list value
Palm Beach County (6)
A Mizner landmark, Jupiter Island oceanfront, Old Palm and Intracoastal estates.
Listing information is deemed reliable but not guaranteed and is subject to change, prior sale or withdrawal. Prices, features and status reflect MLS data available on November 11, 2026. Properties shown may be listed by brokerages other than Keller Williams. Equal Housing Opportunity.
By Brian Wilder and Lucy Lopez. Wilder Real Estate Group at Keller Williams Realty.
Industry sources put the typical realtor referral fee near 25% of the commission on the referred side, and a large majority of fees fall between 20% and 35% [4]. In Florida the money runs from brokerage to brokerage, and it can only go to someone who is properly licensed [1][2]. Brian's own terms follow.
South Florida Luxury Condos: 29 Residences from $8.25M to $9M
Flagler Drive boutique towers, Bal Harbour and Sunny Isles oceanfront, Miami Beach penthouses and Vita at Grove Isle, presented by Brian Wilder of Keller Williams.
30Years in Real Estate
1,500+Properties Sold
225Google 5-Star Reviews
Keller WilliamsBrokerage
Around $8.5 million to $9 million, South Florida's luxury condo market offers everything from boutique waterfront towers to full-floor penthouses. In West Palm Beach, Flagler Drive buildings like Forte, South Flagler House and Maison d'Or face the Intracoastal, while Olara is rising on North Flagler. Farther south, the list includes St. Regis Bal Harbour, Bentley Residences and the Estates at Acqualina in Sunny Isles, penthouses at Villa Di Mare and SLS LUX, and three residences at Vita on Coconut Grove's private Grove Isle.
Here are 29 residences for sale right now, grouped by area. Tap any photo or address for full details, or call Brian Wilder at (561) 201-4717 to arrange a private showing.
29 residences$8,250,000 to $9,000,0004 recent price reductions$253.2M combined list value
West Palm Beach (6)
Boutique waterfront towers on Flagler Drive, including new Olara residences.
Listing information is deemed reliable but not guaranteed and is subject to change, prior sale or withdrawal. Prices, features and status reflect MLS data available on November 4, 2026. Properties shown may be listed by brokerages other than Keller Williams. Equal Housing Opportunity.
South Florida Trophy Estates: 24 Homes from $31.9M to $35.9M
A re-imagined Regency on Regents Park, ocean-to-Intracoastal Hillsboro Mile, Jupiter Island and Fort Lauderdale point lots, presented by Brian Wilder of Keller Williams.
30Years in Real Estate
1,500+Properties Sold
225Google 5-Star Reviews
Keller WilliamsBrokerage
At the very top of the South Florida market, from about $32 million to $36 million, two things command a premium: frontage and point lots. This week's list adds two notable newcomers: a completely re-imagined Regency estate on Palm Beach's Regents Park Road, and an ocean-to-Intracoastal estate on Hillsboro Mile with 100 feet on each side. Around them are Jupiter Island oceanfront, a Bear's Club estate, Fort Lauderdale point lots on the New River and Las Olas Isles, and Miami's Venetian Islands and Fisher Island.
Here are 24 estates for sale right now, grouped by area. Tap any photo or address for full details, or call Brian Wilder at (561) 201-4717 to arrange a private showing.
24 estates$31,900,000 to $35,900,0002 new this week$812.5M combined list value
Palm Beach (6)
Regency, British Colonial and new-construction estates in the Estate Section and in town.
Listing information is deemed reliable but not guaranteed and is subject to change, prior sale or withdrawal. Prices, features and status reflect MLS data available on November 4, 2026. Properties shown may be listed by brokerages other than Keller Williams. Equal Housing Opportunity.
South Florida Ultra-Luxury Homes: 24 Estates from $32M to $36M
Palm Beach estates, Jupiter Island oceanfront, Fort Lauderdale point lots and Fisher Island, presented by Brian Wilder of Keller Williams.
30Years in Real Estate
1,500+Properties Sold
225Google 5-Star Reviews
Keller WilliamsBrokerage
Between $32 million and $36 million, South Florida's luxury market splits between two kinds of trophy: the island estate and the deep-water point lot. Palm Beach leads with Estate Section and North End homes, including two built in 2025 and 2026. Jupiter Island adds oceanfront acreage, and Palm Beach Gardens offers 300 feet of Intracoastal frontage with a private yacht basin. In Fort Lauderdale, nearly every listing sits on a point lot along the New River, Coral Ridge or Las Olas Isles. Miami-Dade rounds out the list with Golden Beach oceanfront, the Venetian Islands and Fisher Island's Mansions.
Here are 24 estates for sale right now, grouped by area. Tap any photo or address for full details, or call Brian Wilder at (561) 201-4717 to schedule a private tour.
24 estates$32,000,000 to $36,000,0002 recent price reductions$812.7M combined list value
Palm Beach (6)
The Estate Section, the North End and in-town estates near the Lake Trail.
Whether you want oceanfront, a deep-water point lot or a Palm Beach estate, Brian Wilder brings 30 years of experience and more than 1,500 properties sold to the table.
Listing information is deemed reliable but not guaranteed and is subject to change, prior sale or withdrawal. Prices, features and status reflect MLS data available on October 28, 2026. Properties shown may be listed by brokerages other than Keller Williams. Equal Housing Opportunity.
Florida Condo Financing: A Preapproved Buyer Still Needs an Approved Building
A preapproval letter tells you what a lender may lend to you. It does not tell you whether the lender can lend on that condo. In Florida, that second question is where deals get stuck.
Wilder Real Estate Group at Keller Williams Realty · Brian Wilder · 1,500+ homes sold. Investing in Palm Beach County real estate since 1996, licensed agent since 1998
Quick Answer
Get the financing conversation going before you sign a condo contract. Ask your lender to look at the building, not only at you: the master insurance, any critical repairs, special assessments, inspection reports, the reserve study, and whether the association will hand over the documents. A building that financed last year is not a guarantee for this year. The goal is to know the whole transaction can be financed.
5Building areas a lender reviews: insurance, repairs, assessments, inspections and reserves, documents
4Mortgage channels with distinct condo rules: Fannie Mae, Freddie Mac, FHA and VA
10Business days an association has to issue an estoppel certificate after a written request
2Florida reports to ask for: the milestone inspection summary and the reserve study
I'm Brian Wilder. This one came out of a conversation with one of my trusted local lenders about a problem I see in condo deals. A buyer gets preapproved, falls for a unit, writes an offer, and then finds out the building is the problem. Here's how to avoid that surprise.
A preapproval checks you. It doesn't check the building.
A preapproval looks at your income, assets, credit and debts. That's the buyer side. With a condo, the lender also has to be comfortable with the project itself, because every owner shares the roof, the structure, the insurance and the bills.
Fannie Mae says it plainly: lenders are responsible for reviewing the project when they underwrite the loan. If the project doesn't meet the rules, loans on units in that building are not eligible for sale to Fannie Mae until the problem is fixed. Freddie Mac works the same way, with its own project statuses. So a buyer can be fully qualified and still not be able to close on a particular building.
That's why I want the lender talking about the building before the contract, not after.
What a lender looks at in the building
Master insurance. Fannie Mae wants the association's master policy to cover at least 100% of the estimated replacement cost of the buildings. For loan applications on or after July 1, 2026, the per-unit deductible on that master policy can't be more than $50,000, and if the master policy has a per-unit deductible, the buyer needs their own unit owner policy. Ask about flood coverage too if the building sits in a flood zone.
Critical repairs. Fannie Mae and Freddie Mac won't take loans in a building that needs critical repairs. That includes water intrusion or damaging leaks, advanced deterioration, a building that failed a required inspection or recertification, and unfunded repairs over $10,000 per unit that should happen in the next 12 months. That dollar test excludes repairs made by a unit owner and repairs funded through a special assessment; funding alone does not clear a separate critical safety or structural defect. A building under an evacuation order for an unsafe condition is ineligible until it is fixed.
Special assessments. The lender looks at what the assessment is for, when it was approved, the original amount, what's left to collect and when it will be paid off. An assessment tied to a critical repair that hasn't been completed is a problem for the whole building.
Inspections and reserves. Freddie Mac requires lenders to review structural or mechanical inspection reports completed within the past three years. They also look at the budget and the reserves. If a reserve study is used to make up for a thin budget, lenders must use its highest recommended funding amount, and for applications on or after August 3, 2026 they can't rely on the baseline funding method. For coastal property considerations, see our oceanfront condo financing guide (palmbeachcountyhomeforsale.com/blog/oceanfront-condo-financing-palm-beach-county); have your lender apply the current rules to the exact project.
Documents. If the association or its manager won't provide the inspection reports, the repair information or the assessment details, and nobody else can supply them, Freddie Mac says the loans in that project aren't eligible.
Why "it financed last year" doesn't settle it
I hear this a lot: "Someone just bought in that building with a loan." It's useful to know. It's not proof. Several things change.
Lender rules change. In March 2026, Fannie Mae and Freddie Mac announced changes to project reviews, reserves and insurance. Limited Review (Fannie Mae) and Streamlined Review (Freddie Mac) were retired for applications on or after August 3, 2026. The reserve minimum rises from 10% to 15% of budgeted assessment income for applications on or after January 4, 2027.
The building changes. A new inspection report, a new special assessment, a lapsed insurance policy or a pending lawsuit can change a building's status. Fannie Mae uses an "Unavailable" status in its Condo Project Manager, and Freddie Mac uses "Not Eligible" in Condo Project Advisor. Loans on units in a building with that status generally can't be sold to those agencies.
Florida law changes. Since 2022, Florida has added milestone inspections and structural integrity reserve studies for condo buildings three habitable stories or taller. Buildings must do an inspection at 30 years, and 25 years if the local building department decides so, then every 10 years. Unit-owner-controlled associations existing on or before July 1, 2022 generally had to finish their required reserve study by December 31, 2025; qualifying studies paired with a milestone inspection may be completed by December 31, 2026. Required structural reserves generally cannot be waived for budgets adopted on or after December 31, 2024; ask a Florida attorney to confirm whether a temporary statutory pause, reduction or study-delay exception applies. Some qualifying associations may pause or reduce reserve contributions for up to two annual budgets to fund milestone-related repairs, and may delay a SIRS for up to two consecutive budget years after a milestone inspection. These are conditional exceptions, not automatic permissions for every association. The rules were changed again in 2025 by HB 913.
Insurance changes. A master policy that met the rules last year may be renewed with a different deductible or coverage this year.
The point isn't that financing is hard. Fannie Mae says the vast majority of projects with a status in its system are approved. The point is that you check this building, today, with your lender.
Questions to ask before you sign a condo contract
Ask your lender:
Has the project already been checked? Can you look up the building's status in Fannie Mae's Condo Project Manager, or Freddie Mac's Condo Project Advisor, or check whether the building is on the FHA or VA approved lists?
What does the project review need for this building, and how long does it take?
Which loan programs will this lender use on this building, and does my down payment and loan type change the answer?
If the building isn't eligible, what is my Plan B and what would it cost?
Ask the association, through the listing agent:
Who carries the master insurance, what are the coverage and the per-unit deductible, and when does it renew?
Are there any special assessments, current or planned? What are they for, and when do they end?
Has the building had a milestone inspection and a structural integrity reserve study? Can I see the inspector's summary and the study?
Are any repairs recommended, and are they funded?
Is there any lawsuit against the association?
Will the association return the lender's condo questionnaire and an estoppel certificate on time?
Ask yourself:
Can I afford the unit if an assessment is added or the dues go up?
Am I willing to wait for the project review?
Do I have a way out if the building can't be financed?
Selling a condo? Get the paperwork ready first
If you own a condo in Delray Beach, Boca Raton or anywhere in Palm Beach County, your buyer's lender will be reviewing your building. Florida law says the seller must provide the buyer with the association documents, including the milestone inspection summary and the most recent reserve study (or a statement that they haven't been completed), at the seller's expense. After December 31, 2024, resale contracts have to carry statements about those reports.
An association has 10 business days to issue an estoppel certificate after a written request from the owner or the owner's mortgage lender, so request it early. Pull the budget, the insurance certificate, any assessment details and the inspection and reserve documents before you list. A buyer's lender who can't get answers from the association may not be able to close, no matter how strong the buyer is. Our guide to why condos behave differently (palmbeachcountyhomeforsale.com/blog/why-condos-behave-differently-palm-beach-county) covers pricing and positioning.
A note for agents
A preapproval letter in the offer doesn't mean the building is financeable. Ask the lender to check the project before you write the offer.
Freddie Mac says a real estate agent, the seller or the buyer can supply the lender with the inspection and repair documents. Start gathering them on day one.
Put the association's response time into your timeline. Closing dates slip when the questionnaire or estoppel is late.
Tell your buyer about Plan B early, whether that's cash, a different lender or a different building.
If the building does not qualify for a Fannie Mae or Freddie Mac loan
It happens, and it's not always permanent. Fannie Mae says it updates a project's status after the association shows the issue is fixed, and that it has done so for more than 2,000 projects since 2022. Short term, ask your lender what else is possible for that building. FHA and VA have separate condo eligibility rules. FHA may allow project approval or an eligible Single-Unit Approval in some projects without FHA approval; ask your lender which path applies. A building that fits one channel may not fit another. If you're a first-time buyer, read our guide to buying a condo as your first home (palmbeachcountyhomeforsale.com/blog/buying-condo-first-home-palm-beach-county).
Use the seller guide to plan the paperwork, pricing and your next move.
This article is general information, not legal or lending advice. Confirm the details for your building with your lender and a Florida real estate attorney.
Does a mortgage preapproval mean a Florida condo can be financed?
No. A preapproval reviews the buyer's income, assets and credit. For a condo, the lender also reviews the building: its insurance, repairs, special assessments, inspections, reserves and documents.
How do I check a condo association's financial health before I buy in Palm Beach County?
Ask for the annual budget, the financial statement, the reserve study, the milestone inspection summary if one is required, any special assessment details and the insurance certificate. Then ask your lender to review them before you go under contract.
How do special assessments affect condo financing?
Lenders review what the assessment is for, when it was approved, how much is left and when it ends. An assessment for a critical repair that isn't finished can make loans in the project ineligible for sale to Fannie Mae or Freddie Mac.
Do lenders have rules about a condo association's insurance?
Yes. Fannie Mae requires the master policy to cover at least 100% of the estimated replacement cost and caps the per-unit deductible at $50,000 for applications on or after July 1, 2026. You may also need your own unit owner policy, and flood coverage matters if the building is in a flood zone.
What new Florida condo laws should buyers know about?
Florida now requires milestone inspections for older condo buildings three habitable stories or taller, and structural integrity reserve studies for associations with covered buildings. Ask the seller for the inspection summary and the reserve study, because lenders may ask for them too.
What if the condo isn't eligible for a conventional loan?
Ask your lender what else is possible for that building, since FHA has project and eligible Single-Unit Approval paths, while VA has its own condo requirements. You can also wait: Fannie Mae updates a project's status after the association shows the problem is fixed. Plan B should be settled before you sign.
Wilder Real Estate Group at Keller Williams Realty Brian Wilder 561-201-4717 Lucy Lopez 561-285-8809 1,500+ homes sold. Investing in Palm Beach County real estate since 1996, licensed agent since 1998. Email Brian@WilderREG.com
Sources: Fannie Mae and Freddie Mac project and insurance guidance, HUD condo guidance, and Florida condominium statutes and DBPR guidance linked above. Reviewed October 27, 2026. Rule effective dates differ; ask your lender and attorney to confirm what applies to this transaction.
Home / Blog / Bedford at The Lakes, St. Lucie West, Port St. Lucie FL
Port St. Lucie | St. Lucie County
Living in Bedford at The Lakes, St. Lucie West, Port St. Lucie FL
Explore Bedford at The Lakes in St. Lucie West: DiVosta homes, two-car garages, shared amenities, schools, and ownership details to check before your next move.
Quick answer
Bedford at The Lakes is an all-ages DiVosta neighborhood of 148 single-family homes, with access from Country Club Drive. It is part of The Lakes in St. Lucie West. Bedford Park at Tradition is a different neighborhood; make sure a listing or map is taking you to the correct one.
By Brian Wilder | Wilder Real Estate Group at Keller Williams Realty | Updated October 24, 2026
Bedford at The Lakes offers detached homes with two-car garages in established St. Lucie West. Mature trees and lakes shape the setting, with shopping and restaurants in the surrounding area. The practical appeal is having your own house and garage while sharing recreation through the larger Lakes community.
Homes
The HOA identifies the homes as DiVosta-built with two-car garages. On a tour, compare the floor plan, garage space, outdoor area, and condition of the house rather than assuming every DiVosta home is the same. Lake-facing homes also need a property-specific look at the survey and outdoor-use restrictions.
The HOA states that the lakes behind the homes belong to the St. Lucie West Services District. A water view does not mean the homeowner owns the lake. Official community details checked October 24, 2026: Bedford at the Lakes HOA .
HOA and Costs
Bedford collects dues quarterly. The HOA explains that part of those dues supports shared common areas through the Property Owners Association, including pool and tennis facilities. Obtain the current amount and coverage for the property rather than applying a Sun Terrace or other nearby association's monthly figure.
Read the budget, reserves, and any special assessment before you commit. Ask specifically about exterior maintenance, landscaping, roof responsibilities, and insurance. The St. Lucie West Services District assessment is separate and should be reviewed on the latest property tax bill.
Schools
Public assignment follows the specific address. Confirm with the School District of St. Lucie County at St. Lucie Public Schools student assignment (checked October 24, 2026). Nearby charters and privates are listed on the parent page.
Daily Life Around St. Lucie West
Town Center and the Shoppes at St. Lucie West put groceries and restaurants in the surrounding area. Publix is an option at the Shoppes; Berry Fresh Cafe and Tutto Fresco are among the area's dining choices. Clover Park brings Mets spring training and St. Lucie Mets games to the neighborhood's broader setting. You can make shopping, dinner, and baseball part of the same local routine without choosing a home inside a new master plan.
Cleveland Clinic's Family Health Center at St. Lucie West is a local healthcare destination. Hutchinson Island beaches lie east of Port St. Lucie. For a regular commute or a beach day, compare the route from the actual house instead of relying on a community-wide travel estimate. The St. Lucie West guide below covers the wider area's schools, healthcare, parks, and places of worship.
Condition and Ownership
Compare homes on condition as well as asking price. A renovated kitchen does not tell you the age of the roof, the condition of the air conditioning, or whether alterations were permitted. Review replacement records, have the home inspected, and ask who is responsible for exterior work under that property's association documents.
A lake view and a property's legal rights are separate questions. Check the survey, flood zone, and insurance quote for the address. Do not assume that water behind the home comes with private boating access or ownership of the shoreline. If you are selling another home to make the move, line up both timelines before committing to the purchase.
Brian's Local Take
The detached house and two-car garage are the useful distinction here. Compare the actual condition and association responsibilities before treating a lower asking price as a better buy. Send me the address and we can look at what the house would require after closing.
Frequently asked questions
Is Bedford part of The Lakes?
Yes. Bedford at The Lakes is within St. Lucie West; Bedford Park at Tradition is a different neighborhood.
What type of homes are in Bedford?
The HOA identifies 148 DiVosta single-family homes with two-car garages. Compare the layout and condition of the individual house.
How are Bedford HOA dues paid?
Dues are paid quarterly. Ask for the current amount, coverage, and any assessments with the resale documents.
Is Bedford age-restricted?
The HOA describes Bedford as an all-ages community. Review its current rules for the property you are considering.
Wilder Real Estate Group at Keller Williams Realty Brian Wilder 561-201-4717 Lucy Lopez 561-285-8809 Fifth-generation Palm Beach County resident, second-generation agent. 1,500+ homes sold. Investing in Palm Beach County real estate since 1996, licensed agent since 1998. Email Brian@WilderREG.com
1,500+ homes sold. Investing in Palm Beach County real estate since 1996, licensed agent since 1998. Compare the house, the neighborhood, and the ownership costs before you decide.
Home / Blog / Sun Terrace at St. Lucie West, Port St. Lucie FL
Port St. Lucie | St. Lucie County
Living in Sun Terrace at St. Lucie West, Port St. Lucie FL
Explore Sun Terrace at The Lakes in St. Lucie West: patio homes, HOA dues, rental restrictions, schools, and practical ownership details to check before buying.
Quick answer
Sun Terrace is an all-ages DiVosta patio-home community within The Lakes at St. Lucie West. The association describes it as owner-occupied, with seasonal and full-time residents, and does not allow rentals. It is a different ownership choice from buying a home you expect to lease later.
By Brian Wilder | Wilder Real Estate Group at Keller Williams Realty | Updated October 24, 2026
Sun Terrace at The Lakes centers on patio-home living in established St. Lucie West. Large outdoor patios give the homes an outdoor room, while shops and restaurants sit in the surrounding area. It is worth a look if you want a smaller home footprint, but the rental restriction needs to fit your plans from the start.
Homes
The neighborhood is known for two-bedroom villa-style patio homes around NW Sun Terrace Circle. Look closely at the usable patio space, indoor storage, parking arrangement, and privacy between adjoining homes. A compact floor plan can work well, but only if your furniture and day-to-day routine fit it.
Compare the condition of the patio enclosure as carefully as the interior. Ask which exterior features are the owner's responsibility and which are handled by the association. A lower-maintenance home still has systems and finishes you will need to maintain.
HOA and Costs
The association website lists monthly dues of $445 starting January 1, 2026, checked October 24, 2026. Confirm the current figure and coverage with the resale documents before contracting. The same official site states that rentals are not allowed: Sun Terrace HOA .
Review the association budget, reserves, insurance responsibilities, and any special assessment. The St. Lucie West Services District assessment is a separate item to check on the property tax bill. Do not substitute a nearby community's fee or maintenance list for Sun Terrace's own documents.
Schools
Public assignment follows the specific address. Confirm with the School District of St. Lucie County at St. Lucie Public Schools student assignment (checked October 24, 2026). Nearby charters and privates are listed on the parent page.
Daily Life Around St. Lucie West
Town Center and the Shoppes at St. Lucie West put groceries and restaurants in the surrounding area. Publix is an option at the Shoppes; Berry Fresh Cafe and Tutto Fresco are among the area's dining choices. Clover Park brings Mets spring training and St. Lucie Mets games to the neighborhood's broader setting. You can make shopping, dinner, and baseball part of the same local routine without choosing a home inside a new master plan.
Cleveland Clinic's Family Health Center at St. Lucie West is a local healthcare destination. Hutchinson Island beaches lie east of Port St. Lucie. For a regular commute or a beach day, compare the route from the actual house instead of relying on a community-wide travel estimate. The St. Lucie West guide below covers the wider area's schools, healthcare, parks, and places of worship.
Condition and Ownership
Compare homes on condition as well as asking price. A renovated kitchen does not tell you the age of the roof, the condition of the air conditioning, or whether alterations were permitted. Review replacement records, have the home inspected, and ask who is responsible for exterior work under that property's association documents.
A lake view and a property's legal rights are separate questions. Check the survey, flood zone, and insurance quote for the address. Do not assume that water behind the home comes with private boating access or ownership of the shoreline. If you are selling another home to make the move, line up both timelines before committing to the purchase.
Brian's Local Take
If your plan is to live here, including seasonally, the patio-home setup may work. If your backup plan is to rent the house out, the association's no-rental rule changes the decision. I would settle that question before spending time comparing finishes.
Frequently asked questions
Is Sun Terrace a 55+ community?
No. The association describes Sun Terrace as an all-ages community.
Can I rent out a Sun Terrace home?
The association website states that rentals are not allowed. Read the current governing documents before buying if leasing is part of your plan.
What are the Sun Terrace HOA dues?
The association posts $445 per month effective January 1, 2026. Confirm the latest amount, coverage, and any assessments in your resale package.
Is Sun Terrace part of The Lakes?
Yes, Sun Terrace at The Lakes is within the broader St. Lucie West area. Its association rules and patio-home layout should be evaluated separately from nearby detached homes.
Wilder Real Estate Group at Keller Williams Realty Brian Wilder 561-201-4717 Lucy Lopez 561-285-8809 Fifth-generation Palm Beach County resident, second-generation agent. 1,500+ homes sold. Investing in Palm Beach County real estate since 1996, licensed agent since 1998. Email Brian@WilderREG.com
1,500+ homes sold. Investing in Palm Beach County real estate since 1996, licensed agent since 1998. Compare the house, the neighborhood, and the ownership costs before you decide.
