4099 SE Centerboard Lane

Stuart, FL 34997

$319,000

$201/ft²

2Beds

2Baths

1,588Sq ft

1984Year built

CondoType

About this home

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!

Features

Private pool

Property details

Listing

MLS #: F10551649
Status: For sale
Listed on: Feb 13, 2026
Days on market: 178 days
Listing data updated: Jul 20, 2026

Interior

Beds: 2
Baths: 2
Living area: 1,588 ft²
Price per ft²: $201/ft²
Unit: 4B

Building & community

Type: Condo
Year built: 1984
HOA fee: $1,210/mo
County: Martin

Lot & exterior

Private pool: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $1,613
Property taxes (est.): $293
Home insurance (est.): $317
Flood insurance (est.): —
HOA fee: $1,210

Estimated total$3,433*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Building structural health (SIRS)

No filing record found

We couldn't find a SIRS filing record for this building in Florida's public DBPR database. That is not a red flag by itself: buildings under three stories are exempt, recent or mailed-in filings may not appear yet, and the name or address on file may differ from this listing.

Questions about this

What is a SIRS and why does it matter?

Since the Surfside collapse, Florida requires condo and co-op buildings three stories or taller to complete a Structural Integrity Reserve Study: an inspection-based plan that forces the association to fund structural repairs (roof, load-bearing walls, plumbing, electrical) instead of deferring them. It matters because underfunded buildings are the ones that surprise owners with large special assessments.

Has this building filed its SIRS?

We didn't find a filing record for this building in the DBPR's public database. Absence of a record does not mean the building is out of compliance — it may be exempt (under three stories), the filing may be recent or on paper, or the recorded name/address may differ. It IS the right question to ask before offering.

What is a special assessment?

A one-off charge the association levies on every owner when reserves don't cover a needed repair — in older coastal buildings they have ranged from a few thousand to over $100,000 per unit. The SIRS exists precisely to make these predictable and funded in advance. Always review the building's budget, reserves and meeting minutes before buying.

What should I check before buying in this building?

Florida law gives buyers the right to review the association's SIRS, milestone inspection reports, budget and reserves — the full study is available from the association by written request. Nilyan requests and walks through these documents with her buyers as part of the offer process.

Source: Florida DBPR public SIRS reporting database. Filing status is self-reported by the association; this is not an audit, inspection or safety certification, and absence of a record does not mean non-compliance. Data as of July 30, 2026.

Want the full structural picture of this building before you offer?