4083 SE Centerboard Lane # a, Stuart FL 34997, STUART, FL, 34997
Active116 days on marketListed Apr 8, 2026MLS #B26012941
About this home
4083 SE Centerboard Lane # a, Stuart FL 34997
Experience the ultimate in waterfront living with this 2-bed, 2-bath first-floor condo in the highly desirable Mariner Cay community—where your boat is quite literally just steps from your back door. The standout feature of this property is its unbeatable proximity to the dock and canal. Step out from your screened-in porch and you're immediately at your boat, with dockage available for vessels up to 30 feet (rental at $2/ft/month). With no bridges to navigate, you'll enjoy quick, direct access to the Intracoastal, St. Lucie Inlet, and the open ocean within minutes. Inside, the condo features an updated kitchen, newer flooring, accordion shutters, new impact-rated front door, A/C (2016), water heater (2024), and a newer roof (2021). Mariner Cay offers a secure, resort-style lifestyle... with a 24-hour manned guard gate, two pools (1 heated), a waterfront clubhouse, tennis and pickleball courts, and a 52-slip marina with fuel service for boats up to 50 feet. Dockage is available on a first-come, first-served basis. Ideally located, you're within walking distance to Sandsprit Park and just minutes from the popular waterfront restaurants and entertainment of the Manatee Pocket. If effortless boating access is what you've been searching for, this is the one.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,154
Sqft
0 ac
Lot size
1984
Year built
1
Levels
$337
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,449 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,449/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+16.5%
$/sqft vs Stuart actives
$337 vs $265
Days on market
116 vs 94 typical
Where $337/sqft sits among the 400 Stuart actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Mariner Cay
Get to know Stuart. See the full Stuart guide →
Mariner Cay — neighborhood snapshot
Population
325
Median age
70
Median income
$82,555
Median home value
$357,700
Avg household
2
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$220K → $1.0M
Stuart median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
42 of 400
Stuart actives have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 4083 SE Centerboard Lane # a
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$345,000
3901 SE Saint Lucie Boulevard # 31, Stuart FL 34997 · same community
2 bd · 2.5 ba · 1,515 sqft · $228/sqft · 127 DOM
Sold · Jul ’26$400,000
5251 SE Sea Island Way SE, Stuart FL 34997
2 bd · 2 ba · 1,173 sqft · $341/sqft · 3 DOM
Sold · Jun ’26$187,900
5373 SE Miles Grant Road # 105, Stuart FL 34997
2 bd · 2 ba · 1,186 sqft · $158/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4083 SE Centerboard Lane # a — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4083 SE Centerboard Lane # a — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4083 SE Centerboard Lane # a FAQs
What would the monthly payment be for 4083 SE Centerboard Lane # a, Stuart FL 34997?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,449/mo — principal and interest, the actual property-tax bill, the $679/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4083 SE Centerboard Lane # a, Stuart FL 34997?+
The association fee works out to $679 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4083 SE Centerboard Lane # a, Stuart FL 34997?+
The most recent tax bill on record (2025) was $1,770. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4083 SE Centerboard Lane # a, Stuart FL 34997?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Stuart?+
At $389,000, this home is listed about 47% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4083 SE Centerboard Lane # a, Stuart FL 34997?+
Port Salerno Elementary School (elementary), Martin County High School (high), Dr. David L. Anderson Middle School (middle) — Martin County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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