4099 SE Centerboard Lane # 4B, Stuart FL 34997, STUART, FL, 34997
Active171 days on marketListed Feb 13, 2026MLS #F10551649
About this home
4099 SE Centerboard Lane # 4B, Stuart FL 34997
Boater’s paradise, no bridges slips for 30-ft vessels $2.00 ft. Beautifully updated 2nd floor condo, features 3 bedrooms, updated eat-in kitchen, stainless steel appliances & built-in bar, and a light-filled living room w/plantation shutters. Travertine & wood floors flow to a screened covered balcony. Upgrades include impact windows, a high-efficiency A/C system, newer roof, exterior paint & screen doors, Sought-after waterfront community of Mariner Cay w/ 24/7 manned security, 2 heated pools, waterfront clubhouse, tennis & pickleball courts. 52-slip marina with fuel for up to 50-ft boats with no bridges, quick access to the St. Lucie Inlet, Intracoastal & open ocean. Explore nearby Sandsprit Park or cruise to waterfront dining on the Manatee Pocket. A dream lifestyle to make yours today! Boater’s paradise awaits you and picture a boat slip accommodating up to a 30-ft vessel ready for you to rent from the Condo Association upon closing. This beautifully updated 2nd-floor condo is a true coastal gem, offering 3 spacious bedrooms, an updated eat-in kitchen with stainless steel appliances and a built-in bar, and a light-filled living room with plantation shutters. Elegant travertine and wood floors flow throughout, leading to a screened, covered balcony where you can soak in the breeze.This home is as practical as it is stunning, with new impact windows and doors installed about 4 years ago, a high-efficiency A/C system added 3 years ago, plus a newer roof, exterior paint, and screen doors—all updated within the last few years for your peace of mind.Nestled in the sought-after waterfront community of Mariner Cay, you’ll enjoy 24/7 manned security, two heated pools, a waterfront clubhouse, tennis and pickleball courts, and an impressive 52-slip on-site marina with fuel for up to 50-ft boats. Prefer a more intimate docking option? The condo slip accommodates up to 30-ft boats on a first-come, first-served basis. With no bridges to navigate, you’ll have easy access to the St. Lucie Inlet, Intracoastal Waterway, and the open ocean in just minutes.Love the outdoors? Take a stroll to nearby Sandsprit Park or cruise over to waterfront dining hotspots on the Manatee Pocket. This is more than a home—it’s the lifestyle you’ve been dreaming of. Don’t miss your chance to make it yours!Don’t let this gem slip away!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,588
Sqft
1984
Year built
$203
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.
$3,764 /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
$3,764/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
+26.4%
$/sqft vs Stuart actives
$203 vs $266
Days on market
171 vs 94 typical
Where $203/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.
This home is listed 17% below the STUART 34997 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 4099 SE Centerboard Lane # 4B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$325,000
1152 MARINER CAY DRIVE · same community
4 bd · 3 ba · 1,644 sqft · $198/sqft · 129 DOM
Sold · Jun ’26$5,750,000
3973 SE Topsail Court, Stuart FL 34997 · same community
4 bd · 4.5 ba · 4,033 sqft · $1,426/sqft · 4 DOM
Sold · Apr ’26$435,000
3037 SE IRIS STREET
3 bd · 2 ba · 1,622 sqft · $268/sqft · 0 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 4099 SE Centerboard Lane # 4B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4099 SE Centerboard Lane # 4B — 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
4099 SE Centerboard Lane # 4B FAQs
What would the monthly payment be for 4099 SE Centerboard Lane # 4B, Stuart FL 34997?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,764/mo — principal and interest, the actual property-tax bill, the $1,210/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 4099 SE Centerboard Lane # 4B, Stuart FL 34997?+
The association fee works out to $1,210 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4099 SE Centerboard Lane # 4B, Stuart FL 34997?+
The most recent tax bill on record (2025) was $4,269. 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 4099 SE Centerboard Lane # 4B, 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 $322,000, this home is listed about 22% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4099 SE Centerboard Lane # 4B, 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.
The brief
Four things that matter here
01Under the STUART 34997 market on paper
$322,000 is 17% below the STUART 34997 median of $389,000, and at $203/sqft it sits under the Stuart average of $375.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Know the monthly fee
The association fee is $1,210/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $359,900, now $322,000 — a $38K cut. The full history is in the market section below.
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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