4109 SE Whiticar Way, Stuart, FL, 34997
About This Home
Welcome to direct ocean access in the guard-gated community of Mariner Cay, offering the rare combination of HOA security with the freedom of a non-HOA property and no associated fees. This unique residence, originally a duplex, has been thoughtfully reconfigured into a spacious two bedroom, two bathroom single-family home. Set on approximately 150 feet of prime canal frontage, the property is a true boater’s dream. Enjoy a newly constructed 16’ x 76’ dock (2024), brand-new seawall (2024), and a 10,000 lb boat lift (2019), all designed for seamless and convenient access to open water. A rare opportunity to own a flexible, waterfront property that delivers both privacy and premier boating access perfect for those seeking the ultimate coastal lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1972
Materials
- Roof: Composition,Shingle
- Construction materials: Concrete,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Some Electric Appliances,Dryer,Dishwasher,Electric Range,Disposal,Microwave,Refrigerator,Water Heater,Washer
- Laundry features: Laundry Tub
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- Bathtub,Dual Sinks,Jetted Tub,Primary Downstairs,Pantry,Split Bedrooms,Separate Shower,Walk-In Closet(s)
- Window features: Bay Window(s),Drapes
- Flooring: Other,Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 3,148
- Total interior livable area: 2,556 sqft
Property
Details
- Parcel number: 523841000000000504
- Zoning description: RES
- Special condition: Listed As-Is
Features
- Stories: 1
- Private pool: Yes
- Pool features: In Ground
- Patio & porch: Open,Patio,Porch
- Exterior features: Sprinkler/Irrigation,Outdoor Shower,Porch,Patio,Shed
- Has view: Yes
- View description: Canal,Pool
- Has water view: Yes
- Water view: Canal
- On waterfront: Yes
- Waterfront features: Canal Access,Navigable Water,No Fixed Bridges,Ocean Access,Seawall
Lot
- Lot size: 0.79 Acres
- Features: Sprinklers Automatic
Parking
- Parking features: Boat,Driveway,RV Access/Parking,Truck Parking,Unpaved
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Strong Wind
- Coastal Flooding
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Martin County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $10,087 | $121,044 |
| Home Insurance * | $2,060 | $24,720 |
| Property Taxes | $2,667 | $32,004 |
| Electricity | $257 | $3,086 |
| Total | $15,071 | $180,852 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-28 | Listed for sale | $1,995,000 |
| 2017-08-02 | Sold | $740,000 |
| 2016-07-13 | Pending sale | $749,999 |
| 2016-07-13 | Listed for sale | $749,999 |
| 2016-04-16 | Listing removed | $749,999 |
| 2016-04-01 | Price change | $749,999 |
| 2016-02-23 | Price change | $799,900 |
| 2016-02-03 | Price change | $899,900 |
| 2015-12-11 | Listed for sale | $999,999 |
| 2012-05-11 | Listing removed | $550,000 |
| 2011-10-05 | Price change | $550,000 |
| 2011-05-13 | Listed for sale | $650,000 |
| 2008-07-21 | Listing removed | $1,000,000 |
| 2008-05-15 | Listed for sale | $1,000,000 |
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