2197 SW Mainsail Ter, Stuart, FL 34997 Property Records

Martin County property record for 2197 SW Mainsail Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,241 sqft · built 2004
Lot Size	0.372 acres (16,204 sqft)
Owner	2 Individual Names on File
Last Sale	$427,000 (Mar 2020)
Tax Bill	$4,943 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-070-000-0174.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-070-000-0174.0-0-0000`
Alternative APNs	`55-38-41-070-000-01740-0` `138271`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,241 sqft Living Area
Gross Area	2,997 sqft
1st Floor Area	2,241 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,204 sqft (0.372 acres)
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	138271
Street Address	2197 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 174 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	174
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	2
Census Block	2018
Census Tract	1703

Owner

2197 SW Mainsail Ter is owned and occupied by two individuals who acquired it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2197 SW MAINSAIL TER, STUART, FL 34997-4846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Jan 8, 2008 · Amount on File
Deed Document Number	20202803273
Deed Book / Page	3115 / 734
Last Transfer Date	Jan 29, 2025
Transfer Doc	0034801249
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 3, 2020
Property Address	2197 SW MAINSAIL TER, STUART, FL 34997-4846
Document Number	0031150734
Book / Page	003115 / 000734
Instrument Date	Feb 28, 2020
Instrument	2803273
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,989.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2197 SW MAINSAIL TER STUART FL 349974846, STUART, FL 34997-4846

Mortgage

Document Number	31150737
Date	Mar 3, 2020
Book Page	003115/000737
Instrument	2803274

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2197 SW Mainsail Ter was $4,943, down 0.6% 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	$4,943.00 (-0.62%)	$326,435	$558,300 Land $170,000 Building $388,300
2024	$4,974.00 (+2.11%)
2023	$4,871.00 (+3.68%) Additional exemption filed	$307,997 (+3%)	$540,650 (+23.71%) Land $170,000 Building $370,650
2022	$4,698.00 Homeowner's exemption	$299,027	$437,020 Land $165,000 Building $272,020

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

Flood

FEMA maps place 2197 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 2197 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