1040 NW 16th St, Stuart, FL 34994 Property Records

Martin County property record for 1040 NW 16th St, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,764 sqft · built 1973
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Aug 2024)
Tax Bill	$1,098 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-37-41-001-006-0027.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`29-37-41-001-006-0027.0-4-0000`
Alternative APNs	`29-37-41-001-006-00270-4` `6905`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
Gross Area	2,344 sqft
1st Floor Area	1,764 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,233 sqft (0.189 acres)
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Concrete/Masonry Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	6905
Street Address	1040 NW 16TH ST
City	STUART
State	FL
Zip	34994-9622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	PALM LAKE PARK LOT 27 BLK 6 OR 338/402
Legal Range	41E
Legal Township	37S
Legal Section	29
Legal Subdivision	PALM LAKE PARK
Legal Block	6
Legal Lot Number	27
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	4
Census Block	4022
Census Tract	300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1040 NW 16TH ST, STUART, FL 34994-9622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Apr 9, 2024	Warranty Deed, Transfer OS NATIONAL LLC
Jul 9, 2017	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2024 · Amount on Record
Deed Sale	Aug 30, 2024 · Amount on Record
Prior Sale	Apr 9, 2024 · Amount on Record
Deed Document Number	20243089209
Deed Book / Page	3456 / 84
Prior Transfer Date	Mar 28, 2024
Prior Transfer Doc	0034300772
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Jun 10, 2026
Property Address	1040 NW 16TH ST, STUART, FL 34994-9622
Document Number	0003190310
Book / Page	3572 / 750
Instrument Date	Jun 4, 2026
Instrument	20263190310
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 NW 16TH ST, STUART, FL 34994-9622

Mortgage

Document Number	0003190310,
Date	Jun 10, 2026
Book Page	3572/750
Instrument	20263190310

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 9, 2024
Property Address	1040 NW 16TH ST, STUART, FL 34994-9622
Document Number	0034300774
Book / Page	3430 / 774
Map Reference	MB 3 PG 41
Instrument Date	Apr 5, 2024
Instrument	3066421
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1001 NE BAKER RD # 3214, 3214, STUART, FL 34994-1900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 9, 2017
Property Address	1040 NW 16TH ST, STUART, FL 34994-9622
Document Number	0029352832
Book / Page	02935 / 2832
Map Reference	MB3 PG41
Instrument Date	Jun 28, 2017
Instrument	2644216
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,417.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 NW 16TH ST, STUART, FL 34994-9622

Mortgage

Document Number	0002644217
Date	Jul 9, 2017
Instrument	2644217

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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	$1,098.00 (-83.5%)	$399,300 (+34.04%) Land $165,000 Building $234,300	$399,300 (+13.81%) Land $165,000 Building $234,300
2024	$6,654.00 (+4.95%)
2023	$6,340.00 (+11.95%)	$297,889 (+1%)	$350,860 (+21.04%) Land $150,000 Building $200,860
2022	$5,663.00	$270,809	$289,880 Land $130,000 Building $159,880

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

Flood

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 Record median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 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

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

Wildfire Risk	Not rated no burnable land within 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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