1243 SE Kirk St, Stuart, FL 34997 Property Records

Martin County property record for 1243 SE Kirk St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,905 sqft · built 2006
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$266,300 (Apr 2016)
Tax Bill	$4,337 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-38-41-009-000-0216.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`40-38-41-009-000-0216.0-0-0000`
Alternative APNs	`40-38-41-009-000-02160-0` `643046`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,905 sqft Living Area
Gross Area	2,325 sqft
1st Floor Area	1,905 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
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	Open Concrete/Masonry Porch
Porch Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	643046
Street Address	1243 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 216 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	216
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1001
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	1243 SE KIRK ST, STUART, FL 34997-1532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2016 · Amount on Record
Deed Sale	Apr 14, 2016 · Amount on Record
Prior Sale	Jul 31, 2015 · Amount on Record
Deed Document Number	20162568685
Deed Book / Page	2846 / 1857
Prior Transfer Date	Jul 28, 2015
Prior Transfer Doc	0027992690
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1243 SE KIRK ST, STUART, FL 34997-1532
Transaction Type	Mortgage
Record Updated	Apr 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 SE KIRK ST, STUART, FL 34997-1532

Mortgage

Document Number	0033651941
Date	Mar 23, 2023
Book Page	3365/1941
Instrument	3007863

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1243 SE KIRK ST, STUART, FL 34997-1532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031320668
Date	May 29, 2020
Book Page	3132/668
Instrument	2817086

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

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

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	$4,337.00 (-0.55%) Additional exemption filed	$287,573 (+5.99%)	$414,240 (+10.93%) Land $155,000 Building $259,240
2024	$4,361.00 (+2.2%)
2023	$4,267.00 (+3.72%) Additional exemption filed	$271,330 (+3%)	$373,430 (+8.79%) Land $130,000 Building $243,430
2022	$4,114.00 Homeowner's exemption	$263,428	$343,270 Land $110,000 Building $233,270

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
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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