1123 SE Kirk St, Stuart, FL 34997 Property Records

Martin County property record for 1123 SE Kirk St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,544 sqft · built 2006
Lot Size	0.139 acres (6,055 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Oct 2020)
Tax Bill	$464 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-38-41-009-000-0206.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`40-38-41-009-000-0206.0-0-0000`
Alternative APNs	`40-38-41-009-000-02060-0` `347051`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,544 sqft Living Area
Gross Area	2,964 sqft
1st Floor Area	1,332 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	6,055 sqft (0.139 acres)
View / Lot	Greenbelt/Park
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	347051
Street Address	1123 SE KIRK ST
City	STUART
State	FL
Zip	34997-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 206 MARTINS CROSSING PUD (PB 15 PG 89)
Legal Range	41E
Legal Township	38S
Legal Section	40
Legal Subdivision	MARTINS CROSSING
Legal Block	1
Legal Lot Number	206
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1001
Census Tract	1106

Owner

1123 SE Kirk St is owned and occupied by two individuals who bought it in October 2020.

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	2 Individual Names on File
Mailing Address	1123 SE KIRK ST, STUART, FL 34997-1532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK N A
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on File
Deed Sale	Oct 9, 2020 · Amount on File
Prior Sale	Nov 18, 2015 · Amount on File
Deed Document Number	20202842826
Deed Book / Page	3164 / 2180
Prior Transfer Date	Nov 15, 2015
Prior Transfer Doc	0028190761
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Apr 6, 2026
Property Address	1123 SE KIRK ST, STUART, FL 34997-1532
Document Number	0003178661
Book / Page	3558 / 1473
Instrument Date	Mar 27, 2026
Instrument	20263178661
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 SE KIRK ST, STUART, FL 34997-1532
Investor	Possibly a Property Investor

Mortgage

Document Number	0003178661,
Date	Apr 6, 2026
Book Page	3558/1473
Instrument	20263178661

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1123 SE KIRK ST, STUART, FL 34997-1532
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 SE KIRK ST, STUART, FL 34997-1532

Mortgage

Document Number	0032111868
Date	Apr 1, 2021
Book Page	3211/1868
Instrument	2878666

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1123 SE Kirk St was $464 with exemptions applied, down 92.6% from the year before.

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	$464.00 (-92.61%) Homeowner's exemption Veteran's exemption	$412,468	$546,830 Land $155,000 Building $391,830
2024	$6,275.00 (+2%)
2023	$6,152.00 (+3.6%) Additional exemption filed	$389,169 (+3%)	$494,870 (+8.49%) Land $125,000 Building $369,870
2022	$5,938.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$377,834	$456,130 Land $100,000 Building $356,130

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

Flood

FEMA maps place 1123 SE Kirk St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 74 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	74 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

Wildfire risk around 1123 SE Kirk St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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