1292 SE Kirk St, Stuart, FL 34997 Property Records

Martin County property record for 1292 SE Kirk St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,930 sqft · built 2006
Lot Size	0.148 acres (6,447 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Jul 2012)
Tax Bill	$4,392 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`459294`

Property Details

APN / Parcel Number

Primary APN	`459294`
Alternative APN	`40-38-41-009-000-02210-0`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,930 sqft Living Area
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Masonite/Cement Shake
Lot Area	6,447 sqft (0.148 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	459294
Street Address	1292 SE KIRK ST
City	STUART
State	FL
Zip	34997-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 221 MARTINS CROSSING PUD (PB 15 PG 89)
Legal Range	41E
Legal Township	38S
Legal Section	40
Legal Subdivision	MARTINS CROSSING
Legal Lot Number	221
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 December 24, 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	1292 SE KIRK ST, STUART, FL 34997-1532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Jun 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2012 · Amount on Record
Deed Sale	Jul 23, 2012 · Amount on Record
Prior Sale	Jul 23, 2012 · Amount on Record
Deed Document Number	0025892514
Deed Book / Page	02589 / 2514
Last Transfer Date	Jul 5, 2017
Transfer Doc	0029342904
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1292 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	0031442265
Date	Jul 22, 2020
Book Page	3144/2265
Instrument	2827090

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1292 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	0029330814
Date	Jun 23, 2017
Book Page	02933/0814
Instrument	2642166

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 5, 2017
Property Address	1292 SE KIRK ST, STUART, FL 34997-1532
Document Number	0029342904
Book / Page	002934 / 002904
Instrument Date	Jun 27, 2017
Instrument	2643570
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1292 SE KIRK ST STUART FL 349971532, STUART, FL 34997-1532

Tax Assessment & Valuation

Source: Martin County assessment roll, as of July 1, 2025

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		$289,521 (+5.99%)	$551,590 (+10.23%) Land $155,000 Building $396,590
2024	$4,392.00 (+2.19%)
2023	$4,298.00 (+3.74%) Additional exemption filed	$273,167 (+3%)	$500,380 (+8.33%) Land $125,000 Building $375,380
2022	$4,143.00 Homeowner's exemption	$265,211	$461,910 Land $100,000 Building $361,910

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 96% of the US · lower than 96% 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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