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A boat on a lift at a private dock over calm water at sunrise

Waterfront guide

From someone who's on the water.

I fish and dive these waters, and I've spent a lot of time on boats. Here's what I check before anyone falls for a view.

A private wooden dock with a boat on a lift over calm water

Martin County

The St. Lucie River, the Indian River Lagoon and the St. Lucie Inlet give Stuart and its neighbors some of the best boating on the coast, with routes to the ocean, the lagoon and the Okeechobee Waterway.

A boat on a lift beside a concrete dock on a turquoise canal in the Florida Keys

Marathon

In the Middle Keys, deep-water canals, oceanside reefs and bayside flats sit minutes apart. I know these waters as a diver and angler, and I help buyers find homes that fit the way they use them.

Getting to open water

For a boater, the view matters less than the route. I start with how you get from the dock to where you actually want to go.

  • Depth

    Water depth at the dock and along the route at low tide, compared with the draft of the boat you have or want.

  • Bridges

    Any fixed bridges between the property and open water, and their clearance against your boat's height.

  • Time to the inlet

    How long the run really is, at the speeds you'll be allowed to travel.

  • Ocean or bay

    In the Keys, oceanside and bayside water behave very differently. Your kind of boating decides which suits you.

Dock, lift and seawall

Waterfront structures are expensive to replace, so their condition belongs in the price conversation.

  • Dock

    Construction, age, condition and permits. Whether it can take the boat you have in mind.

  • Lift

    Capacity, age and service history. A lift that's too small for your next boat is a cost to plan for.

  • Seawall

    Age, cracks, and signs of soil loss behind the wall. A tired seawall is one of the larger waterfront repair bills.

  • Power and water

    Shore power, lighting and water at the dock, and how they're protected from salt and storms.

Storms, flood and insurance

Living on the water means planning for it. I'd rather you understand the costs before you make an offer than after.

  • Flood zone and elevation

    The property's flood zone and its elevation, which drive both risk and insurance cost.

  • Insurance

    Get quotes early. Wind and flood coverage can change the real cost of owning a home.

  • Construction

    Impact windows and doors, roof age and how the home has come through past storms.

  • Exposure

    How exposed the dock and home are to wind and waves from the open water.

Rules on the water

Rules can limit how you use the water, so I check them for the specific property.

  • Association rules

    Community or condominium rules on boat size, lifts, docks and guest boats.

  • Permits

    Permits for existing docks and lifts, and what it takes to change or add them.

  • Protected waters

    Manatee zones and environmental rules that affect speed, dredging and dock work.

  • Rentals

    If you plan to rent the home, local rental rules, which vary a great deal, especially in the Keys.

A recent waterfront sale

  1. Waterfront · Sold Mar 2025

    $5,450,000

    3035 SE Saint Lucie Blvd

    Stuart, FL 34997

    3 bd · 5 ba · 5,183 sq ft · 1.63 acres

    Waterfront estate under the banyan trees, with wide water views across the St. Lucie.

    Represented the buyer

    3035 SE Saint Lucie Blvd, Stuart

Contact

Looking for a place on the water.

Tell me about your boat and how you like to spend time on the water. I'll focus on the properties that fit.

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