1. Home
  2. Florida
  3. Martin County
  4. Stuart
  5. SW Mainsail Ter

2178 SW Mainsail Ter, Stuart, FL 34997 Property Records

Martin County property record for 2178 SW Mainsail Ter, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,737 sqft · built 2004
Lot Size0.364 acres (15,856 sqft)
Owner2 Individual Names on File
Last Sale$425,000 (Dec 2018)
Tax Bill$4,842 (2025)
Deeds & MortgagesAug 2026 Sale
Dec 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN55-38-41-070-000-0188.0-0-0000

Property Details

APN / Parcel Number

Primary APN55-38-41-070-000-0188.0-0-0000
Alternative APNs
  • 55-38-41-070-000-01880-0
  • 138285

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,737 sqft Living Area
Gross Area3,330 sqft
1st Floor Area2,737 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area15,856 sqft (0.364 acres)
View / LotInterior
Garage TypeAttached
Garage Area593 sqft
Parking Spaces2 Parking Spaces
Pool TypeIn-Ground Pool
PorchOpen Concrete/Masonry Porch
Porch Area469 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number138285
Street Address2178 SW MAINSAIL TER
CitySTUART
StateFL
Zip34997-4846
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR
Legal DescriptionLOT 188 PLAT 3 LOCKS LANDING (PB 14 PG 79)
Legal Range41E
Legal Township38S
Legal Section55
Legal SubdivisionLOCKS LANDING
Legal Block2
Legal Lot Number188
JurisdictionMARTIN FL
Township / Civil DivisionINDIANTOWN
Census Block Group2
Census Block2018
Census Tract1703

Owner

2178 SW Mainsail Ter is owned and occupied by two individuals who acquired it in August 2026.

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

Owner of Record2 Individual Names on File
Mailing Address2178 SW MAINSAIL TER, STUART, FL 34997-4846
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

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
Aug 28, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 28, 2018Warranty Deed, Transfer · Conventional Mortgage
K&B CAPITAL CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 28, 2018 · Amount on File
Deed SaleDec 28, 2018 · Amount on File
Prior SaleJun 30, 2003 · Amount on File
Deed Document Number20182732087
Deed Book / Page3034 / 943
Last Transfer DateAug 26, 2026
Transfer Doc0003202862
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateAug 28, 2026
Property Address2178 SW MAINSAIL TER, STUART, FL 34997-4846
Document Number0003202862
Book / Page3587 / 2306
Instrument DateAug 26, 2026
Instrument20263202862
Transaction TypeTransfer
Record UpdatedSep 17, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address2178 SW MAINSAIL TER, STUART, FL 34997-4846

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateDec 28, 2018
Property Address2178 SW MAINSAIL TER, STUART, FL 34997-4846
Document Number0030340943
Book / Page3034 / 0943
Map ReferenceMB 14 PG 79
Instrument DateDec 20, 2018
Instrument2732087
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,975.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address163 SW WALKING PATH, 163, STUART, FL 34997-3040

Transferred To (Grantee/Buyer)

NameVerified Name
Address2178 SW MAINSAIL TER, STUART, FL 34997-4846

Mortgage

Document Number0002732089
DateDec 28, 2018
Instrument2732089
Lender
NameK&B CAPITAL CORP
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2178 SW Mainsail Ter was $4,842, down 0.6% 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$4,842.00 (-0.62%)$320,015$730,440 Land $195,000 Building $535,440
2024$4,872.00 (+2.14%)
2023$4,770.00 (+35.2%) Additional exemption filed$301,939 (+32.01%)$709,590 (+43.71%) Land $195,000 Building $514,590
2022$3,528.00 Homeowner's exemption$228,718$493,750 Land $165,000 Building $328,750

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

Flood

FEMA maps place 2178 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 2178 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

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

Nearby Properties on SW Mainsail Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures