2190 SW Mainsail Ter, Stuart, FL 34997 Property Records

Martin County property record for 2190 SW Mainsail Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,639 sqft · built 2006
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$779,000 (Aug 2023)
Tax Bill	$8,514 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-070-000-0191.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-070-000-0191.0-0-0000`
Alternative APNs	`55-38-41-070-000-01910-0` `138288`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,639 sqft Living Area
Gross Area	3,392 sqft
1st Floor Area	2,639 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
View / Lot	Interior
Garage Type	Attached
Garage Area	753 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	138288
Street Address	2190 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 191 LOCKS LANDING PLAT NO 3 A PUD ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 14 PAGE 79 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	LOCKS LANDING
Legal Block	2
Legal Lot Number	191
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	2
Census Block	2018
Census Tract	1703

Owner

2190 SW Mainsail Ter is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2190 SW MAINSAIL TER, STUART, FL 34997-4846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Company

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 29, 2023 · Amount on File
Deed Sale	Aug 29, 2023 · Amount on File
Prior Sale	Feb 18, 2009 · Amount on File
Deed Document Number	20233033158
Deed Book / Page	3393 / 2919
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 29, 2023
Property Address	2190 SW MAINSAIL TER, STUART, FL 34997-4846
Document Number	0033932919
Book / Page	3393 / 2919
Map Reference	MB 14 PG 79
Instrument Date	Aug 29, 2023
Instrument	3033158
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,453.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2190 SW MAINSAIL TER, STUART, FL 34997-4846

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 SW MAINSAIL TER, STUART, FL 34997-4846

Mortgage

Document Number	0033932922
Date	Aug 29, 2023
Instrument	3393/2922

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2190 SW Mainsail Ter was $8,514 with a homeowner's exemption, down 0.9% 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	$8,514.00 (-0.85%) Additional exemption filed	$552,965	$712,450 Land $210,000 Building $502,450
2024	$8,587.00 (+74.32%)
2023	$4,926.00 (+3.68%) Additional exemption filed	$311,268 (+3%)	$690,920 (+28.9%) Land $210,000 Building $480,920
2022	$4,751.00 Homeowner's exemption	$302,202	$536,000 Land $180,000 Building $356,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2190 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 2190 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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None 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 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