The Windjammer

Independent Assessment

The Windjammer's core identity — a 55+ waterfront condominium community of 130 units in nine elevator buildings on the South Fork of the St. Lucie River — was independently corroborated across the association's own website (windjammerstuart.com), 55places, and multiple Treasure Coast real estate brokerages, all consistent with one another. The reported quarterly fee (roughly $621-$820, or about $207-$273/month) came from a directory snapshot rather than the association's current budget and should be treated as a reference point. The deeded, individually owned boat docks (up to 16-foot beam and 40-foot length) are a genuinely distinguishing feature versus most Stuart 55+ condo communities, which typically do not include private, unit-owned dockage.

Who May Find This Community Appealing

Boating-oriented buyers who want a low-maintenance, elevator-served condo with a deeded dock on the St. Lucie River, in a legally age-restricted community, are the best fit. It particularly suits downsizing buyers who currently own a boat and want water access included with the unit rather than paying separately for marina storage or a wet slip elsewhere in Stuart.

Homes, Builders & Development History

The Windjammer consists of 130 condominium units in nine elevator buildings, with units running approximately 1,191 square feet in two-bedroom, two-bathroom layouts. The original developer and construction year were not confirmed; buyers should request this from the association or Martin County property records.

Current Pricing & Market Positioning

Multiple brokerage sites list Windjammer units for sale on an ongoing basis, generally positioned as an affordable, waterfront-access entry point relative to single-family riverfront homes in Stuart. Confirm current asking prices with a local agent.

New Construction vs. Resale Considerations

The Windjammer is a fully built-out, established community; all activity is resale. Because building age was not independently confirmed, buyers should ask the association about the condition of the nine elevator buildings, any completed or pending Florida SB 4-D structural reserve study and milestone inspection requirements, and the age and maintenance history of the deeded docks and seawalls.

Taxes, Insurance & Special Assessments

Homes here are subject to standard Martin County ad valorem property tax; Martin County's effective tax rate (roughly 0.88% in recent reporting) is generally the lowest among the three Treasure Coast counties, which is a genuine cost advantage relative to St. Lucie or Indian River County properties. Nothing in the sources reviewed indicated a CDD assessment. Because units include deeded docks and waterfront exposure, buyers should get a current homeowners/flood insurance quote specific to the unit and ask the association about its windstorm and flood coverage for common elements, and request a CLUE report to check for hurricane-related claims history on a specific unit.

Community Layout & Lifestyle

The Windjammer offers a compact, elevator-served condo lifestyle centered on its three pools, clubhouse, and library rather than a large activity campus, with its defining feature being direct, deeded boat access from many units. This suits residents who prioritize water access and low-maintenance living over resort-scale programming. Rentals are restricted during the first two years of ownership, with two rentals per year permitted afterward.

Shopping, Healthcare & Airport Access

The Windjammer sits along the South Fork of the St. Lucie River near SW Palm City Road in Stuart, Martin County, convenient to downtown Stuart's historic district, restaurants, and marinas. This location provides direct river access for boaters and is a short drive to US-1 and the Roosevelt Bridge for trips toward Port St. Lucie or Palm City.

Age Qualification & Material Ownership Restrictions

The Windjammer is consistently described as a 55-and-older condominium community across the association's own website, 55places, and multiple Treasure Coast real estate sources. The recorded HOPA certification and 80/20 occupancy compliance documentation were not independently obtained, so buyers should confirm current age-verification policy and compliance status directly with the association before purchasing.

Tradeoffs & Limitations

The community's original construction year, developer, and a current, reconciled HOA fee figure could not be independently confirmed — the reported $621-$820 quarterly range should be confirmed directly with the association before making an offer. Because units include deeded docks, a buyer should specifically ask how dock maintenance, seawall repair, and any dredging costs are allocated between individual owners and the association, since that can differ from a standard condo fee structure. The community also restricts rentals during the first two years of ownership (two rentals per year permitted after that), which matters for any buyer considering renting out the unit.

Comparison With Nearby Communities

Among Stuart's 55+ condo communities, The Windjammer stands out for its deeded, individually owned boat docks — a feature not shared by nearby communities like Montego Cove or Vista del Lago, which are inland and lake-oriented rather than riverfront with private dockage. Buyers comparing water-access options in Stuart should weigh The Windjammer's dock ownership against South River's riverfront orientation (which offers boat/RV storage rather than deeded individual docks) to determine which structure fits their boating needs.

Current Listings

A connected local agent can provide current available units, dock availability, and the association's current fee documentation for The Windjammer.

Does The Windjammer include boat docks?

Many units have deeded, individually owned boat docks accommodating up to a 16-foot beam and 40-foot length, a distinguishing feature versus most other Stuart 55+ condo communities. Confirm dock assignment and condition for any specific unit.

What is the HOA fee at The Windjammer?

Reported at roughly $621-$820 per quarter (about $207-$273/month) depending on the unit, covering cable, common area maintenance, building insurance, laundry facilities, lawn care, and some utilities. Confirm the association's current fee schedule directly.

Is The Windjammer legally age-restricted?

It is consistently described as a 55-and-older condominium community across the association's own site and multiple real estate directories, though the recorded HOPA certification was not independently confirmed. Confirm current status with the association.

Can I rent out my unit at The Windjammer?

Rentals are not allowed during the first two years of ownership; after that, owners are permitted up to two rentals per year, according to community sources. Confirm current rental rules directly with the association.