104 SW Otter Run Pl, Stuart, FL 34997 Property Records

Martin County property record for 104 SW Otter Run Pl, Stuart, FL 34997

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,753 sqft · built 2012
Lot Size	0.071 acres (3,097 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Sep 2024)
Tax Bill	$4,581 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-38-41-007-000-0086.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-007-000-0086.0-0-0000`
Alternative APNs	`41-38-41-007-000-00860-0` `148145`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,753 sqft Living Area
Gross Area	1,993 sqft
1st Floor Area	758 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	3,097 sqft (0.071 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	148145
Street Address	104 SW OTTER RUN PL
City	STUART
State	FL
Zip	34997-3047
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUDR
Legal Description	LOT 86 PH 2 WHITEMARSH RESERVE PUD (PB 16 PG 38)
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	WHITEMARSH RESERVE
Legal Block	2
Legal Lot Number	86
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2001
Census Tract	1103

Owner

104 SW Otter Run Pl, a townhouse, is owned and occupied by an individual who bought it in September 2024.

Source: Martin County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	104 SW OTTER RUN PL, STUART, FL 34997-3047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2019	Quit Claim Deed, Transfer · VA Mortgage LADERA LNDG
Jul 5, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jan 30, 2017	Warranty Deed, Transfer · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2024 · Amount on File
Deed Sale	Sep 16, 2024 · Amount on File
Prior Sale	Nov 7, 2019
Deed Document Number	20243091107
Deed Book / Page	3458 / 179
Prior Transfer Date	Oct 11, 2019
Prior Transfer Doc	0030931534
Record Updated	Oct 29, 2026

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 7, 2019
Property Address	104 SW OTTER RUN PL, STUART, FL 34997-3047
Document Number	0030931534
Book / Page	003093 / 001534
Instrument Date	Oct 11, 2019
Instrument	2784008
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	UNISOURCE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	104 SW OTTER RUN PL STUART FL 349973047, STUART, FL 34997-3047

Mortgage

Document Number	30931537
Date	Nov 7, 2019
Book Page	003093/001537
Instrument	2784009

Lender

Name	LADERA LNDG
Address	LADERA RANCH, CA 92694

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 5, 2018
Property Address	104 SW OTTER RUN PL, STUART, FL 34997-3047
Document Number	0030022230
Book / Page	003002 / 002230
Instrument Date	Jul 2, 2018
Instrument	2703727
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SW OTTER RUN PL STUART FL 349973047, STUART, FL 34997-3047

Mortgage

Document Number	30022231
Date	Jul 5, 2018
Book Page	003002/002231
Instrument	2703728

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 30, 2017
Property Address	104 SW OTTER RUN PL, STUART, FL 34997-3047
Document Number	0029040100
Book / Page	02904 / 0100
Map Reference	MB16 PG38
Instrument Date	Jan 26, 2017
Instrument	2616921
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4635 PORTOFINO WAY # 23207, 4635, WEST PALM BEACH, FL 33409-8160

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 SW WHISPER RIDGE TRL, PALM CITY, FL 34990-2042

Mortgage

Document Number	0002616922
Date	Jan 30, 2017
Instrument	2616922

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 104 SW Otter Run Pl was $4,581, down 13.1% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,581.00 (-13.09%)	$332,440 Land $100,000 Building $232,440	$332,440 Land $100,000 Building $232,440
2024	$5,271.00 (+77.65%)
2023	$2,967.00 (+3.96%) Additional exemption filed	$223,719 (+3%)	$322,390 (+22.56%) Land $95,000 Building $227,390
2022	$2,854.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$217,203	$263,040 Land $55,000 Building $208,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 SW Otter Run Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 SW Otter Run Pl is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MARTIN CO UTILITIES serves 104,105 people · EPA ID FL4431891
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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