Last updated September 3, 2026
Short Sales in Stuart, Florida
If you owe more on your Stuart home than it will sell for, a short sale is how you sell it anyway — with the lender's written agreement to release the lien for less than the balance. PBP Real Estate holds the SFR — Short Sales and Foreclosure Resource certification from the National Association of REALTORS®. Call 561-395-8418, or start with a written opinion of value so you know whether you are actually short.
First, find out whether you are actually short
The median single-family house in Stuart has closed at $587,500 so far this year, level with the $589,000 of the same period last year, across 381 sales. Plenty of owners who assume they are underwater are not, and the whole conversation changes if there is equity. There are 172 houses on the market in Stuart at a median asking price of $737,450.
Source: BeachesMLS via our own Cotality Trestle data feed, single-family houses, Stuart only, retrieved September 3, 2026. Figures cover listings permitted for internet display, which is not every home in the market, and houses are never combined with condos or townhomes. Ask us for the sales behind any number on this page.
What we need from you to start
- The lender name and loan number for every lien, including a second mortgage or HELOC.
- The most recent mortgage statement and any letter from the lender or its lawyer.
- A short written explanation of the hardship, with documents that support it.
- Two most recent tax returns, two months of bank statements and current pay information, because most servicers require them.
- The association or special-district status on the property, and whether either is behind.
One thing we will not do. We will not tell you what your loan documents mean, what a deficiency judgment would do to you, or how a short sale will be taxed. Those are questions for a Florida real-estate attorney and a CPA, and we will say so every time. What we do is price the home correctly, build the submission the servicer asks for, and negotiate the approval.
If a foreclosure case has already been filed
A filed case does not automatically end the option, but it does put a clock on it. Bring us the paperwork and get a Florida real-estate attorney involved the same week. Speed is the only advantage available at that stage.
See our main short sales page for the full process, the Stuart market report for what homes here are actually selling for, and Stuart listings that did not sell if your listing has already expired.
What a website will never know about your Stuart home
No automated estimate can read a renovation, a lot line, dock access or the condition of a roof. Gia Freer, our Broker of Record, prepares a written opinion of value by hand from recent Stuart sales, and sends you the sales she used so you can check her work.
Not sure whether you are short? That is the first question, and it takes one conversation to answer.
Prefer to talk it through? Call 561-395-8418 or email [email protected].
Prepared by Gia Freer, Broker of Record, PBP Real Estate, LLC (CQ1064615), licensed in Florida since 2000 (BK689801). Software helps us organize BeachesMLS data and draft; every opinion of value and market interpretation is prepared by Gia by hand. This page is general market information about real-estate process and pricing, not legal, tax or insurance advice.
Stuart short sales: questions and answers
What is a short sale?
A sale where the lender agrees to accept less than the balance owed and release the lien so the sale can close. The lender approves the price, the buyer and the costs, which is why the paperwork package matters more than the marketing.
Am I actually underwater on my Stuart home?
That is the first question and it is often answered no. The median house here closed at $587,500 so far this year. Get a written opinion of value prepared by hand against your payoff before you accept that a short sale is the only route.
Do I have to be behind on payments?
Not necessarily. Lenders generally require a documented hardship rather than a specific number of missed payments, and requirements differ by servicer and loan type.
Will a short sale cost me anything?
In a standard approved short sale the lender typically pays the brokerage commission out of the proceeds. Tax and credit consequences are real and specific to you: talk to a CPA and a Florida real-estate attorney. We are a brokerage, not your lawyer or your accountant.