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2198 SW Mainsail Ter, Stuart, FL 34997 Property Records

Martin County property record for 2198 SW Mainsail Ter, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,563 sqft · built 2004
Lot Size0.497 acres (21,649 sqft)
Owner2 Individual Names on File
Last Sale$577,500 (Nov 2020)
Tax Bill$8,469 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Jun 2017 Sale
Flood ZoneZone X (minimal risk)
APN55-38-41-070-000-0193.0-0-0000

Property Details

APN / Parcel Number

Primary APN55-38-41-070-000-0193.0-0-0000
Alternative APNs
  • 55-38-41-070-000-01930-0
  • 138290

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area2,563 sqft Living Area
Gross Area3,480 sqft
1st Floor Area2,563 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2014
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area21,649 sqft (0.497 acres)
View / LotInterior
Garage TypeAttached
Garage Area917 sqft
Parking Spaces4 Parking Spaces
Pool TypeIn-Ground Pool
PorchOpen Concrete/Masonry Porch
Porch Area415 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number138290
Street Address2198 SW MAINSAIL TER
CitySTUART
StateFL
Zip34997-4846
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR
Legal DescriptionLOT 193 PLAT 3 LOCKS LANDING (PB 14 PG 79)
Legal Range41E
Legal Township38S
Legal Section55
Legal SubdivisionLOCKS LANDING
Legal Block2
Legal Lot Number193
JurisdictionMARTIN FL
Township / Civil DivisionINDIANTOWN
Census Block Group2
Census Block2018
Census Tract1703

Owner

2198 SW Mainsail Ter is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record2 Individual Names on File
Mailing Address2198 SW MAINSAIL TER, STUART, FL 34997-4846
OccupancyOwner Occupied
Owner TypeIndividual

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
Nov 2, 2020Warranty Deed, Transfer · Conventional Mortgage
KELLER MORTGAGE LLC
Jun 22, 2017Warranty Deed, Transfer
STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 2, 2020 · Amount on File
Deed SaleNov 2, 2020 · Amount on File
Prior SaleJun 22, 2017 · Amount on File
Deed Document Number20202847362
Deed Book / Page3170 / 225
Record UpdatedOct 29, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateNov 2, 2020
Property Address2198 SW MAINSAIL TER, STUART, FL 34997-4846
Document Number0031700225
Book / Page3170 / 225
Map ReferenceMB 14 PG 79
Instrument DateOct 28, 2020
Instrument2847362
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanySTARFISH TITLE AGENCY LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,042.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address38 MERLOT CT, 38, MONROE TOWNSHIP, NJ 08831-5309

Transferred To (Grantee/Buyer)

NameVerified Name
Address318 DERBY DOWN WAY, WILMINGTON, NC 28409-8143

Mortgage

Document Number0003170228
DateNov 2, 2020
Instrument3170/228
Lender
NameKELLER MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2050

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateJun 22, 2017
Property Address2198 SW MAINSAIL TER, STUART, FL 34997-4846
Document Number0029330182
Book / Page002933 / 000182
Instrument DateJun 21, 2017
Instrument2641976
Transaction TypeTransfer
Record UpdatedJul 25, 2017
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

AmountAmount on Record
Tax$3,290.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2198 SW MAINSAIL TER STUART FL 349974846, STUART, FL 34997-4846

Tax Assessment & Valuation

The 2025 property tax bill for 2198 SW Mainsail Ter was $8,469 with a homeowner's exemption, down 0.9% 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$8,469.00 (-0.85%) Additional exemption filed$550,118$743,190 Land $195,000 Building $548,190
2024$8,542.00 (+1.81%)
2023$8,390.00 (+3.49%) Additional exemption filed$519,044 (+3%)$719,820 (+26.88%) Land $195,000 Building $524,820
2022$8,107.00 Homeowner's exemption$503,927$567,320 Land $165,000 Building $402,320

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

Flood

FEMA maps place 2198 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 2198 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

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