1092 SE Madison Ave, Stuart, FL 34996 Property Records

Martin County property record for 1092 SE Madison Ave, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,845 sqft · built 1972
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jun 2026)
Tax Bill	$4,962 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-38-41-005-053-0003.0-1-0000`

Property Details

APN / Parcel Number

Primary APN	`10-38-41-005-053-0003.0-1-0000`
Alternative APNs	`10-38-41-005-053-00030-1` `26812`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,845 sqft Living Area
1st Floor Area	1,845 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1982
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Porch
Porch Area	370 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26812
Street Address	1092 SE MADISON AVE
City	STUART
State	FL
Zip	34996-5831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ALL OF LOT 1 & THE SOUTH 26.4 FT OF LOT 2 BLOCK 53 SARITA ADDN TO BROADWAY SECTION OF ST LUCIE ESTATES S/D (PB 1 PG 12)
Legal Range	41E
Legal Township	38S
Legal Section	10
Legal Subdivision	SARITA ADDITION TO BROADWAY SECTION
Legal Block	53
Legal Lot Number	1,2
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	3
Census Block	3004
Census Tract	902

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1092 SE MADISON AVE, STUART, FL 34996-5831
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESID'L MORTGAGE
Nov 24, 2020	Warranty Deed, Transfer · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
May 4, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 11, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	20263192542
Deed Book / Page	3575 / 371
Prior Transfer Date	Aug 20, 2003
Prior Transfer Doc	0018140569
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 24, 2026
Property Address	1092 SE MADISON AVE, STUART, FL 34996-5831
Document Number	0003192542
Book / Page	3575 / 371
Instrument Date	Jun 22, 2026
Instrument	20263192542
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1092 SE MADISON AVE, STUART, FL 34996-5831

Mortgage

Document Number	0003192543,
Date	Jun 24, 2026
Instrument	20263192543

Lender

Name	HIGHLANDS RESID'L MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 24, 2020
Property Address	1092 SE MADISON AVE, STUART, FL 34996-5831
Document Number	0031752659
Book / Page	3175 / 2659
Map Reference	MB 1 PG 12
Instrument Date	Nov 23, 2020
Instrument	2851913
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ARROW TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3312 SE CAMBRIDGE DR, 3312, STUART, FL 34997-5614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1092 SE MADISON AVE, STUART, FL 34996-5831

Mortgage

Document Number	0031752660
Date	Nov 24, 2020
Instrument	3175/2660

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	May 4, 2020
Property Address	1092 SE MADISON AVE, STUART, FL 34996-5831
Document Number	0031270570
Book / Page	003127 / 000570
Instrument Date	Apr 29, 2020
Instrument	2812729
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 SE SAILFISH LANE STUART STUART FL 34996, STUART, FL 34996

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 11, 2020
Property Address	1092 SE MADISON AVE, STUART, FL 34996-5831
Document Number	0031162521
Book / Page	003116 / 002521
Instrument Date	Mar 6, 2020
Instrument	2804715
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	74 SE SAILFISH LN STUART FL 349961310, STUART, FL 34996-1310

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	$4,962.00 (-0.86%) Homeowner's exemption	$319,297 (+5.99%)	$331,330 (+7.46%) Land $135,000 Building $196,330
2024	$5,005.00 (+2.27%)
2023	$4,894.00 (+4.75%) Additional exemption filed	$301,262 (+4.1%)	$308,320 (+6.54%) Land $126,000 Building $182,320
2022	$4,672.00 Homeowner's exemption	$289,400 Land $148,500 Building $140,900	$289,400 Land $148,500 Building $140,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (1995–2009)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Jul 2009 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 383 locations within half a mile, as of December 31, 2025

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

May also be available: Blue Stream.

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