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2170 SW Mainsail Ter, Stuart, FL 34997 Property Records

Martin County property record for 2170 SW Mainsail Ter, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,876 sqft · built 2004
Lot Size0.403 acres (17,555 sqft)
Owner2 Individual Names on File
Last Sale$431,000 (Apr 2008)
Tax Bill$5,315 (2025)
Deeds & MortgagesJul 2017 Mortgage
Aug 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN55-38-41-070-000-0186.0-0-0000

Property Details

APN / Parcel Number

Primary APN55-38-41-070-000-0186.0-0-0000
Alternative APNs
  • 55-38-41-070-000-01860-0
  • 138283

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area2,876 sqft Living Area
Gross Area3,482 sqft
1st Floor Area2,876 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area17,555 sqft (0.403 acres)
View / LotHomesite
Garage TypeAttached
Garage Area606 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area200 sqft
PorchOpen Concrete/Masonry Porch
Porch Area389 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number138283
Street Address2170 SW MAINSAIL TER
CitySTUART
StateFL
Zip34997-4846
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR
Legal DescriptionLOT 186 PLAT 3 LOCKS LANDING (PB 14 PG 79)
Legal Range41E
Legal Township38S
Legal Section55
Legal SubdivisionLOCKS LANDING
Legal Block2
Legal Lot Number186
JurisdictionMARTIN FL
Township / Civil DivisionINDIANTOWN
Census Block Group2
Census Block2018
Census Tract1703

Owner

2170 SW Mainsail Ter is owned and occupied by two individuals who bought it in April 2008.

Source: Martin County records, as of September 29, 2026

Owner of Record2 Individual Names on File
Mailing Address2170 SW MAINSAIL TER, STUART, FL 34997-4846
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 24, 2017Deed of Trust, Mortgage · Conventional Mortgage
SUNTRUST MORTGAGE INC
Aug 14, 2018Loan Modification, Mortgage · Conventional Mortgage
SUNTRUST BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 30, 2008 · Amount on File
Deed SaleApr 30, 2008 · Amount on File
Prior SaleAug 6, 2003 · Amount on File
Deed Document Number20081326
Deed Book / Page2325 / 860
Prior Transfer DateSep 26, 2007
Prior Transfer Doc0022850565
Record UpdatedOct 29, 2026

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address2170 SW MAINSAIL TER, STUART, FL 34997-4846
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029382639
DateJul 24, 2017
Book Page02938/2639
Instrument2646864
Lender
NameSUNTRUST MORTGAGE INC
TypeMortgage Company
AddressRICHMOND, VA 23224
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term178 Months
DueMay 1, 2032

August 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMARTIN FL
Property Address2170 SW MAINSAIL TER, STUART, FL 34997-4846
Document Number0030120462
Instrument DateAug 14, 2018
Transaction TypeMortgage
Record UpdatedSep 11, 2018
Title CompanyAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address2170 SW MAINSAIL TER STUART FL 349974846, STUART, FL 34997-4846

Mortgage

Document Number0030120462
DateAug 23, 2018
Book Page003012/000462
Instrument2712295
Lender
NameSUNTRUST BK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeConventional Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2170 SW Mainsail Ter was $5,315 with a homeowner's exemption, down 0.7% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,315.00 (-0.65%) Homeowner's exemption$349,980$713,660 Land $205,000 Building $508,660
2024$5,350.00 (+2.06%)
2023$5,242.00 (+3.66%) Additional exemption filed$330,211 (+3%)$691,630 (+29.06%) Land $205,000 Building $486,630
2022$5,057.00 Homeowner's exemption$320,594$535,880 Land $175,000 Building $360,880

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2170 SW Mainsail Ter in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 101 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies101 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2170 SW Mainsail Ter is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 265 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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