1274 NW River Ter, Stuart, FL 34994 Property Records

Martin County property record for 1274 NW River Ter, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,232 sqft · built 1971
Lot Size	0.539 acres (23,479 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Oct 2022)
Tax Bill	$18,131 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`31-37-41-002-000-0009.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`31-37-41-002-000-0009.0-0-0000`
Alternative APNs	`31-37-41-002-000-00090-0` `8429`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,232 sqft Living Area
Gross Area	2,950 sqft
1st Floor Area	2,232 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1981
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,479 sqft (0.539 acres)
Lot Dimensions	100 ft deep x 110 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	718 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	896 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8429
Street Address	1274 NW RIVER TER
City	STUART
State	FL
Zip	34994-7625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH RIVER FOREST LOT 9
Legal Range	41E
Legal Township	37S
Legal Section	31
Legal Subdivision	NORTH RIVER FOREST
Legal Block	2
Legal Lot Number	9
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	1274 NW RIVER TER, STUART, FL 34994-7625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Oct 19, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2022 · Amount on Record
Deed Sale	Oct 19, 2022 · Amount on Record
Prior Sale	Jun 12, 2014 · Amount on Record
Deed Document Number	20222985488
Deed Book / Page	3341 / 1913
Prior Transfer Date	Dec 8, 2004
Prior Transfer Doc	0001798257
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1274 NW RIVER TER, STUART, FL 34994-7625
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033592176
Date	Feb 16, 2023
Book Page	3359/2176
Instrument	3002367

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 19, 2022
Property Address	1274 NW RIVER TER, STUART, FL 34994-7625
Document Number	0033411913
Book / Page	3341 / 1913
Map Reference	MB 4 PG 21
Instrument Date	Oct 13, 2022
Instrument	2985488
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$11,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63637 STATE HIGHWAY 59, 63637, STOCKTON, AL 36579-4497

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1274 NW RIVER TER, STUART, FL 34994-7625

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	$18,131.00 (-1.02%) Additional exemption filed	$1,161,738 (+6.65%)	$1,554,940 (+8.05%) Land $1,320,000 Building $234,940
2024	$18,318.00 (+2.26%)
2023	$17,913.00 (+32.19%) Additional exemption filed	$1,089,319 (+31.19%)	$1,439,130 (+26.19%) Land $1,210,000 Building $229,130
2022	$13,551.00 Homeowner's exemption	$830,353	$1,140,420 Land $981,750 Building $158,670

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 110 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	120 units insured incl. 10 condo units
Nearby Flood Claims	30 (1983–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Hurricane Irene, Oct 1999 · 2 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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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