11 SE River Lights Ct, Stuart, FL 34996 Property Records

Martin County property record for 11 SE River Lights Ct, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,817 sqft · built 2006
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Dec 2017)
Tax Bill	$333 (2024)
Deeds & Mortgages	Dec 2021 Line of Credit Apr 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-38-41-044-000-0007.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`03-38-41-044-000-0007.0-0-0000`
Alternative APNs	`03-38-41-044-000-00070-0` `154907`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,817 sqft Living Area
Gross Area	4,359 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,451 sqft (0.194 acres)
Lot Dimensions	100 ft deep x 73 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	200 sqft
Porch	Open Porch
Porch Area	803 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	11 SE RIVER LIGHTS CT
City	STUART
State	FL
Zip	34996-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 7 SNUG HARBOR WEST (PB 15 PG 19)
Legal Range	41E
Legal Township	38S
Legal Section	3
Legal Subdivision	SNUG HARBOR
Legal Block	2
Legal Lot Number	7
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2001
Census Tract	902

Owner

Source: Martin County records, as of August 27, 2025

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	11 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Apr 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 31, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 29, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Nov 13, 2002 · Amount on Record
Deed Document Number	20172671457
Deed Book / Page	2967 / 1459
Last Transfer Date	Mar 5, 2020
Transfer Doc	0031201920
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	11 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032792972
Date	Dec 17, 2021
Book Page	3279/2972
Instrument	2932438

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	11 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030530019
Date	Apr 17, 2019
Book Page	3053/0019
Instrument	2749504

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	11 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SE RIVER LIGHTS CT, STUART, FL 34996-1803

Mortgage

Document Number	0031810620
Date	Dec 14, 2020
Book Page	3181/620
Instrument	2855680

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 31, 2020
Property Address	11 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Document Number	0031201920
Book / Page	003120 / 001920
Instrument Date	Mar 5, 2020
Instrument	2807687
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 SE RIVER LIGHTS CT STUART FL 349961803, STUART, FL 34996-1803

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 29, 2017
Property Address	11 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Document Number	0029671459
Book / Page	002967 / 001459
Instrument Date	Dec 29, 2017
Instrument	2671457
Transaction Type	Transfer
Record Updated	Jan 4, 2018

Transaction

Amount	Amount Recorded
Tax	$350.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 SE RIVER LIGHTS CT STUART FL 349961803, STUART, FL 34996-1803

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

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		$810,614 (+5.99%)	$1,935,510 (+26.39%) Land $1,092,500 Building $843,010
2024	$333.00 (+16.03%)
2023	$287.00 (+13.44%) Additional exemption filed	$764,825 (+3%)	$1,531,330 (+21.13%) Land $665,000 Building $866,330
2022	$253.00 Homeowner's exemption	$742,549	$1,264,250 Land $570,000 Building $694,250

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 VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	11 (1978–2018)
Claims Outside the SFHA	4 of 11
Most Recent Claim	May 2018
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	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	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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Blue Stream.

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