2173 SW Mainsail Ter, Stuart, FL 34997 Property Records

Martin County property record for 2173 SW Mainsail Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,872 sqft · built 2005
Lot Size	0.381 acres (16,596 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Aug 2011)
Tax Bill	$6,091 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-070-000-0180.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-070-000-0180.0-0-0000`
Alternative APNs	`55-38-41-070-000-01800-0` `138277`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,872 sqft Living Area
Gross Area	3,590 sqft
1st Floor Area	2,872 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,596 sqft (0.381 acres)
View / Lot	Homesite
Garage Type	Attached
Garage Area	718 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	391 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	138277
Street Address	2173 SW MAINSAIL TER
City	STUART
State	FL
Zip	34997-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	LOT 180 PLAT 3 LOCKS LANDING (PB 14 PG 79)
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	LOCKS LANDING
Legal Block	2
Legal Lot Number	180
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	2
Census Block	2018
Census Tract	1703

Owner

2173 SW Mainsail Ter is owned and occupied by two individuals who bought it in August 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	2173 SW MAINSAIL TER, STUART, FL 34997-4846
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2011 · Amount on File
Deed Sale	Aug 11, 2011 · Amount on File
Prior Sale	May 11, 2004 · Amount on File
Deed Document Number	20112288216
Deed Book / Page	2531 / 2380
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2173 SW MAINSAIL TER, STUART, FL 34997-4846
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	STARFISH TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2173 SW MAINSAIL TER, STUART, FL 34997-4846

Mortgage

Document Number	0031981818
Date	Feb 18, 2021
Book Page	3198/1818
Instrument	2868800

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 2173 SW Mainsail Ter was $6,091 with a homeowner's exemption, down 0.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,091.00 (-0.72%) Additional exemption filed	$399,247	$735,370 Land $205,000 Building $530,370
2024	$6,135.00 (+1.96%)
2023	$6,017.00 (+3.6%) Additional exemption filed	$376,696 (+3%)	$713,790 (+28.2%) Land $205,000 Building $508,790
2022	$5,808.00 Homeowner's exemption	$365,725	$556,770 Land $175,000 Building $381,770

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

Flood

FEMA maps place 2173 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 101 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	101 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 2173 SW Mainsail Ter is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	MARTIN CO UTILITIES serves 104,105 people · EPA ID FL4431891
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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

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