1220 SE Kirk St, Stuart, FL 34997 Property Records

Martin County property record for 1220 SE Kirk St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,923 sqft · built 2006
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,000 (Oct 2014)
Tax Bill	$4,268 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-38-41-009-000-0227.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`40-38-41-009-000-0227.0-0-0000`
Alternative APNs	`40-38-41-009-000-02270-0` `152814`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,923 sqft Living Area
Gross Area	2,550 sqft
1st Floor Area	1,923 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	6,011 sqft (0.138 acres)
View / Lot	Water View
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	482 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	152814
Street Address	1220 SE KIRK ST
City	STUART
State	FL
Zip	34997-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	LOT 227 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	227
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1002
Census Tract	1106

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	1220 SE KIRK ST, STUART, FL 34997-1532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2014 · Amount on Record
Deed Sale	Oct 20, 2014 · Amount on Record
Prior Sale	Aug 29, 2011 · Amount on Record
Deed Document Number	20142481592
Deed Book / Page	2747 / 47
Prior Transfer Date	Mar 20, 2014
Prior Transfer Doc	0027132769
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Oct 6, 2026
Property Address	1220 SE KIRK ST, STUART, FL 34997-1532
Document Number	0003208219
Book / Page	3594 / 1007
Instrument Date	Sep 30, 2026
Instrument	20263208219
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 SE KIRK ST, STUART, FL 34997-1532

Mortgage

Document Number	0003208219,
Date	Oct 6, 2026
Book Page	3594/1007
Instrument	20263208219

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2046

Interest

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1220 SE KIRK ST, STUART, FL 34997-1532
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 SE KIRK ST, STUART, FL 34997-1532

Mortgage

Document Number	0032662652
Date	Oct 26, 2021
Book Page	3266/2652
Instrument	2922316

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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	$4,268.00 (-0.54%) Homeowner's exemption	$283,188 (+5.99%)	$435,120 (+10.79%) Land $155,000 Building $280,120
2024	$4,291.00 (+2.22%)
2023	$4,198.00 (+3.73%) Additional exemption filed	$267,192 (+3%)	$392,740 (+8.41%) Land $130,000 Building $262,740
2022	$4,047.00 Homeowner's exemption	$259,410	$362,280 Land $110,000 Building $252,280

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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