1040 NW Terrace Rd, Stuart, FL 34994 Property Records

Martin County property record for 1040 NW Terrace Rd, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,709 sqft · built 1993
Lot Size	0.211 acres (9,191 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (May 2022)
Tax Bill	$7,283 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`32-37-41-002-000-0027.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`32-37-41-002-000-0027.0-0-0000`
Alternative APNs	`32-37-41-002-000-00270-0` `8500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,709 sqft Living Area
Gross Area	2,324 sqft
1st Floor Area	1,709 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,191 sqft (0.211 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	197 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8500
Street Address	1040 NW TERRACE RD
City	STUART
State	FL
Zip	34994-8931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	BAHAMA TERRACE SEC 3 LOT 27
Legal Range	41E
Legal Township	37S
Legal Section	32
Legal Subdivision	BAHAMA TERRACE
Legal Block	2
Legal Lot Number	27
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2012
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 TERRACE RD, STUART, FL 34994-8931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 21, 2019	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Prior Sale	Feb 12, 2010 · Amount on Record
Deed Document Number	20222960833
Deed Book / Page	3313 / 2284
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 17, 2022
Property Address	1040 NW TERRACE RD, STUART, FL 34994-8931
Document Number	0033132284
Book / Page	3313 / 2284
Map Reference	MB 4 PG 18
Instrument Date	May 13, 2022
Instrument	2960833
Transaction Type	Transfer
Record Updated	Jun 14, 2022
Title Company	FLORIDA TITLE AND GUARANTEE AGENCY, FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4225 SE WESTFIELD ST, 4225, STUART, FL 34997-6832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 NW TERRACE RD, STUART, FL 34994-8931

Mortgage

Document Number	0033132286
Date	May 17, 2022
Instrument	3313/2286

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1040 NW TERRACE RD, STUART, FL 34994-8931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030960452
Date	Nov 21, 2019
Book Page	3096/0452
Instrument	2786239

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 14, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,283.00 (-2.56%) Additional exemption filed	$452,040 (+4.32%) Land $210,000 Building $242,040	$452,040 (+4.32%) Land $210,000 Building $242,040
2024	$7,474.00 (+2.1%)
2023	$7,320.00 (+160.41%) Additional exemption filed	$433,300 (+131.29%) Land $210,000 Building $223,300	$433,300 (+20.32%) Land $210,000 Building $223,300
2022	$2,811.00 Homeowner's exemption	$187,342	$360,120 Land $186,380 Building $173,740

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 110 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	120 units insured incl. 10 condo units
Nearby Flood Claims	30 (1983–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Hurricane Irene, Oct 1999 · 2 claims

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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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