2688 SW Windship Way, Stuart, FL 34997 Property Records

Martin County property record for 2688 SW Windship Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,455 sqft · built 2002
Lot Size	0.395 acres (17,206 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Oct 2025)
Tax Bill	$6,879 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-070-000-0161.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-070-000-0161.0-0-0000`
Alternative APNs	`55-38-41-070-000-01610-0` `138258`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,455 sqft Living Area
Gross Area	3,106 sqft
1st Floor Area	2,455 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	17,206 sqft (0.395 acres)
View / Lot	Homesite
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	138258
Street Address	2688 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 161 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	161
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	2688 SW WINDSHIP WAY, STUART, FL 34997-9126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 17, 2025	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	Apr 28, 2016 · Amount on Record
Deed Document Number	20253152285
Deed Book / Page	3527 / 2658
Prior Transfer Date	Apr 25, 2016
Prior Transfer Doc	0028490264
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2688 SW WINDSHIP WAY, STUART, FL 34997-9126
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2688 SW WINDSHIP WAY, STUART, FL 34997-9126

Mortgage

Document Number	0034040954
Date	Oct 31, 2023
Book Page	3404/954
Instrument	3042765

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 17, 2025
Property Address	2688 SW WINDSHIP WAY, STUART, FL 34997-9126
Document Number	0035272658
Book / Page	3527 / 2658
Map Reference	MB 14 PG 79
Instrument Date	Oct 16, 2025
Instrument	3152285
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATLANTIC SETTLEMENT GROUP LLC, ATLANTIC STLMT GROUP LLC POR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4669 SHARP SHOOTER WAY, PRESCOTT, AZ 86301-6811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2688 SW WINDSHIP WAY, STUART, FL 34997-9126

Mortgage

Document Number	0035272661
Date	Oct 17, 2025
Instrument	3527/2661

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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	$6,879.00 (-0.78%) Homeowner's exemption	$449,205 (+2.9%)	$663,430 (-0.92%) Land $220,000 Building $443,430
2024	$6,933.00 (+1.91%) Additional exemption filed	$436,546 (+3%)	$669,590 (+3.65%) Land $220,000 Building $449,590
2023	$6,803.00 (+3.56%) Additional exemption filed	$423,832 (+3%)	$646,000 (+25.21%) Land $220,000 Building $426,000
2022	$6,569.00 Homeowner's exemption	$411,488	$515,930 Land $190,000 Building $325,930

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

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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