14 Ridgeland Dr, Stuart, FL 34996 Property Records

Martin County property record for 14 Ridgeland Dr, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,373 sqft · built 1989
Lot Size	0.516 acres (22,477 sqft)
Owner	Individual Name on Record
Last Sale	$755,000 (Jul 2017)
Tax Bill	$10,300 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-38-41-011-000-00270-2`

Property Details

APN / Parcel Number

Primary APN	`01-38-41-011-000-00270-2`
Alternative APNs	`138410110000027020000` `17807`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,373 sqft Living Area
1st Floor Area	1,828 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,477 sqft (0.516 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Porch
Porch Area	1,235 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17807
Old Parcel Number	138410110000027020000
Street Address	14 RIDGELAND DR
City	STUART
State	FL
Zip	34996-6424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGELAND LOT 27
Legal Range	41E
Legal Township	38S
Legal Section	01
Legal Subdivision	RIDGELAND
Legal Lot Number	27
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1030
Census Tract	502

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	14 RIDGELAND DR, STUART, FL 34996-6424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
Jul 29, 2017	Warranty Deed, Transfer · ARM SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2017 · Amount on Record
Deed Sale	Jul 29, 2017 · Amount on Record
Prior Sale	Jun 13, 2014 · Amount on Record
Deed Document Number	0000294020
Deed Book / Page	2940 / 20
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	14 RIDGELAND DR, SEWALLS POINT, FL 34996-6424
Transaction Type	Mortgage
Record Updated	Apr 11, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 RIDGELAND DR, STUART, FL 34996-6424

Mortgage

Document Number	0031692621
Date	Oct 30, 2020
Book Page	3169/2621
Instrument	2847229

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

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

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 29, 2017
Property Address	14 RIDGELAND DR, SEWALLS POINT, FL 34996-6424
Document Number	0029400020
Book / Page	02940 / 0020
Map Reference	MB8 PG3
Instrument Date	Jul 6, 2017
Instrument	2647894
Transaction Type	Transfer
Record Updated	Apr 11, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 RIDGELAND DR, STUART, FL 34996-6424

Mortgage

Document Number	0002647895
Date	Jul 29, 2017
Instrument	2647895

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Municipality	Sewall's Point Town
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$667,645 (+5.99%)	$1,100,120 (+7.08%) Land $440,000 Building $660,120
2024	$10,300.00 (+1.97%)
2023	$10,101.00 (+3.22%) Additional exemption filed	$629,932 (+3%)	$1,027,370 (+19.51%) Land $350,000 Building $677,370
2022	$9,786.00 Homeowner's exemption	$611,585	$859,650 Land $320,000 Building $539,650

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 179 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	110 (1982–2022)
Claims Outside the SFHA	9 of 110
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 92 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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