Atlantic Luxury Advisors
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31 photos

4083 Centerboard #3-a

Stuart, FL 34997

$389,000
2
2
1,154 sq ft
1984
Condominium
$679/mo
Yes
Yes
159
Active

Listing courtesy of Keller Williams Realty Of The (David Olsen). Contact: [email protected].

About this home

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.

What it costs to own
Estimated monthly payment
$3,353/mo
Principal and interest
$1,967
Property tax
$465
Homeowners insurance
$242
HOA
$679

An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.

Florida cost of ownership
Estimated property tax
$5,574/yr

Estimate: the price times the Martin County average total millage (16.06 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.

HOA
$679/mo (from the listing)
FEMA flood zone
Zone X, moderate risk

Outside the special flood hazard area (0.2% annual chance). Flood insurance is optional and usually priced lower.

Hurricane evacuation zone
Zone C: ordered to evacuate for Category 2 hurricanes and stronger.

Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.

Location

Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.