2655 SW Windship Way, Stuart, FL 34997 Property Records

Martin County property record for 2655 SW Windship Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,077 sqft · built 2005
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$658,000 (Aug 2021)
Tax Bill	$9,409 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-070-000-0172.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-070-000-0172.0-0-0000`
Alternative APNs	`55-38-41-070-000-01720-0` `138269`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,077 sqft Living Area
Gross Area	3,665 sqft
1st Floor Area	3,077 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	20,473 sqft (0.47 acres)
View / Lot	Homesite
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	445 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	138269
Street Address	2655 SW WINDSHIP WAY
City	STUART
State	FL
Zip	34997-9126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 172 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	172
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	2655 SW WINDSHIP WAY, STUART, FL 34997-9126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage HARBORONE MORTGAGE LLC
May 7, 2019	Warranty Deed, Transfer · ARM CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on Record
Deed Sale	Aug 6, 2021 · Amount on Record
Prior Sale	May 7, 2019 · Amount on Record
Deed Document Number	20212906768
Deed Book / Page	3247 / 737
Prior Transfer Date	Aug 25, 2014
Prior Transfer Doc	0027372723
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 6, 2021
Property Address	2655 SW WINDSHIP WAY, STUART, FL 34997-9126
Document Number	0032470737
Book / Page	3247 / 737
Map Reference	MB 14 PG 79
Instrument Date	Jul 20, 2021
Instrument	2906768
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	PRINCETON TITLE AND ESCROW LLC, PRINCETON TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,606.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14252 SW CANAL RD, 14252, INDIANTOWN, FL 34956-3006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 SW WINDSHIP WAY, STUART, FL 34997-9126

Mortgage

Document Number	3247740
Date	Aug 6, 2021
Instrument	3247/740

Lender

Name	HARBORONE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 7, 2019
Property Address	2655 SW WINDSHIP WAY, STUART, FL 34997-9126
Document Number	0030570511
Book / Page	3057 / 0511
Map Reference	MB 14 PG 79
Instrument Date	May 3, 2019
Instrument	2753139
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 SW WINDSHIP WAY, STUART, FL 34997-9126

Mortgage

Document Number	0003057514
Date	May 7, 2019
Instrument	3057/514

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Margin	5
Max Rate	11.5%

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	$9,409.00 (-0.88%) Homeowner's exemption	$609,716 (+5.99%)	$732,790 (+3.22%) Land $179,000 Building $553,790
2024	$9,493.00 (+1.78%)
2023	$9,327.00 (+3.45%) Additional exemption filed	$575,275 (+3%)	$709,920 (+27.11%) Land $179,000 Building $530,920
2022	$9,016.00 Homeowner's exemption	$558,520 Land $155,000 Building $403,520	$558,520 Land $155,000 Building $403,520

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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