1097 NW 14th Ter, Stuart, FL 34994 Property Records

Martin County property record for 1097 NW 14th Ter, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,024 sqft · built 1989
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$203,000 (Jan 2019)
Tax Bill	$3,637 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-37-41-001-004-0021.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`29-37-41-001-004-0021.0-2-0000`
Alternative APNs	`29-37-41-001-004-00210-2` `6862`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,024 sqft Living Area
Gross Area	1,448 sqft
1st Floor Area	1,024 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,233 sqft (0.189 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Screened Concrete Masonry Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	6862
Street Address	1097 NW 14TH TER
City	STUART
State	FL
Zip	34994-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	PALM LAKE PARK LOT 21 BLK 4 A
Legal Range	41E
Legal Township	37S
Legal Section	29
Legal Subdivision	PALM LAKE PARK
Legal Block	4
Legal Lot Number	21
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	4
Census Block	4014
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	Individual Name on Record
Mailing Address	1097 NW 14TH TER, STUART, FL 34994-9675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 18, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 18, 2019	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on Record
Deed Sale	Jan 18, 2019 · Amount on Record
Prior Sale	Nov 13, 2007
Deed Document Number	20192734719
Deed Book / Page	3037 / 646
Prior Transfer Date	May 1, 2003
Prior Transfer Doc	0001660921
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1097 NW 14TH TER, STUART, FL 34994-9675
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 NW 14TH TER, STUART, FL 34994-9675

Mortgage

Document Number	0035280315
Date	Oct 20, 2025
Book Page	3528/315
Instrument	3152414

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Jul 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1097 NW 14TH TER, STUART, FL 34994-9675
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 NW 14TH TER, STUART, FL 34994-9675

Mortgage

Document Number	0033700318
Date	Apr 18, 2023
Book Page	3370/318
Instrument	3011922

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jul 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 18, 2019
Property Address	1097 NW 14TH TER, STUART, FL 34994-9675
Document Number	0030370646
Book / Page	3037 / 0646
Map Reference	MB 3 PG 41
Instrument Date	Jan 17, 2019
Instrument	2734719
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,421.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	591 SW RIVEREDGE DR, 591, STUART, FL 34994-7153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 NW 14TH TER, STUART, FL 34994-9675

Mortgage

Document Number	0002734720
Date	Jan 18, 2019
Instrument	2734720

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$3,637.00 (-0.19%) Additional exemption filed	$203,185 (+5.99%)	$284,180 (+7.94%) Land $165,000 Building $119,180
2024	$3,644.00 (+2.13%)
2023	$3,568.00 (+3.27%) Additional exemption filed	$191,708 (+3%)	$263,270 (+18.62%) Land $150,000 Building $113,270
2022	$3,455.00 Homeowner's exemption	$186,125	$221,940 Land $130,000 Building $91,940

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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