2651 SW Windship Way, Stuart, FL 34997 Property Records

Martin County property record for 2651 SW Windship Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,848 sqft · built 2003
Lot Size	0.392 acres (17,076 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Sep 2002)
Tax Bill	$6,094 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-070-000-0171.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-070-000-0171.0-0-0000`
Alternative APNs	`55-38-41-070-000-01710-0` `138268`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,848 sqft Living Area
Gross Area	3,520 sqft
1st Floor Area	2,848 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,076 sqft (0.392 acres)
View / Lot	Homesite
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	373 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	138268
Street Address	2651 SW WINDSHIP WAY
City	STUART
State	FL
Zip	34997-9126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	LOT 171 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	171
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	2
Census Block	2021
Census Tract	1703

Owner

Source: Martin County records, as of September 29, 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	2651 SW WINDSHIP WAY, STUART, FL 34997-9126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 2, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2002 · Amount on Record
Deed Sale	Sep 26, 2002 · Amount on Record
Deed Document Number	20021602555
Deed Book / Page	1683 / 2028
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2651 SW WINDSHIP WAY, STUART, FL 34997-9126
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2651 SW WINDSHIP WAY, STUART, FL 34997-9126

Mortgage

Document Number	0033540940
Date	Jan 11, 2023
Book Page	3354/940
Instrument	2997278

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	STUART, FL 34996

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Dec 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2651 SW WINDSHIP WAY, STUART, FL 34997-9126
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032030795
Date	Mar 4, 2021
Book Page	3203/795
Instrument	2872274

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2651 SW WINDSHIP WAY, STUART, FL 34997-9126
Document Number	0029582010
Book / Page	002958 / 002010
Instrument Date	Nov 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2651 SW WINDSHIP WAY STUART FL 349979126, STUART, FL 34997-9126

Mortgage

Document Number	0029582010
Date	Nov 9, 2017
Book Page	002958/002010
Instrument	2663892

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

Tax Assessment & Valuation

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	$6,094.00 (-0.72%) Additional exemption filed	$399,421 (+5.99%)	$711,710 (+0.8%) Land $205,000 Building $506,710
2024	$6,138.00 (+1.98%)
2023	$6,019.00 (+3.6%) Additional exemption filed	$376,860 (+3%)	$706,090 (+25.07%) Land $220,000 Building $486,090
2022	$5,810.00 Homeowner's exemption	$365,884	$564,560 Land $190,000 Building $374,560

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 144 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

Cell Coverage

5G (outdoors only) and 4G LTE

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