Martin County property record for 2185 SW Mainsail Ter, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,798 sqft · built 2014 |
| Lot Size | 0.367 acres (15,987 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Sep 2014) |
| Tax Bill | $6,069 (2025) |
| Deeds & Mortgages | Jun 2019 Line of Credit Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 55-38-41-070-000-0177.0-0-0000 |
| Primary APN | 55-38-41-070-000-0177.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,798 sqft Living Area |
| Gross Area | 3,628 sqft |
| 1st Floor Area | 2,798 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 15,987 sqft (0.367 acres) |
| View / Lot | Homesite |
| Garage Type | Attached |
| Garage Area | 830 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 490 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 138274 |
|---|---|
| Street Address | 2185 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 177 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 | 177 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | INDIANTOWN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 1703 |
Source: Martin County records, as of September 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2185 SW MAINSAIL TER, STUART, FL 34997-4846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Dec 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2014 · Amount on Record |
| Deed Sale | Sep 30, 2014 · Amount on Record |
| Prior Sale | Sep 11, 2013 · Amount on Record |
| Deed Document Number | 20142478421 |
| Deed Book / Page | 2743 / 810 |
| Prior Transfer Date | Oct 18, 2007 |
| Prior Transfer Doc | 0022880601 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2185 SW MAINSAIL TER, STUART, FL 34997-4846 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030631998 |
|---|---|
| Date | Jun 7, 2019 |
| Book Page | 3063/1998 |
| Instrument | 2758636 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | STUART, FL 34994 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | May 29, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2185 SW MAINSAIL TER, STUART, FL 34997-4846 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Title Company | AMER TITLE, MERIT TITLE |
| Name | Verified Name |
|---|---|
| Address | 2185 SW MAINSAIL TER, STUART, FL 34997-4846 |
| Document Number | 0032780284 |
|---|---|
| Date | Dec 9, 2021 |
| Book Page | 3278/284 |
| Instrument | 2930859 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,069.00 (-0.72%) Additional exemption filed | $397,861 (+5.99%) | $702,630 (+3.54%) Land $205,000 Building $497,630 |
| 2024 | $6,113.00 (+1.97%) | ||
| 2023 | $5,995.00 (+3.59%) Additional exemption filed | $375,388 (+3%) | $678,610 (+28.31%) Land $205,000 Building $473,610 |
| 2022 | $5,787.00 Homeowner's exemption | $364,455 | $528,890 Land $175,000 Building $353,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 |
| 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.
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 |
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