1413 SW Heather Ter, Stuart, FL 34997 Property Records

Martin County property record for 1413 SW Heather Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,590 sqft · built 1958
Lot Size	0.864 acres (37,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,500 (Feb 2010)
Tax Bill	$2,804 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-39-41-000-009-0005.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`07-39-41-000-009-0005.0-7-0000`
Alternative APNs	`07-39-41-000-009-00050-7` `61205`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
Gross Area	2,162 sqft
1st Floor Area	1,590 sqft
Basement Area	468 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1982
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	37,636 sqft (0.864 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Pool Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	61205
Street Address	1413 SW HEATHER TER
City	STUART
State	FL
Zip	34997-7127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	07 39 41 TROPICAL FRUIT FARMS BEG N/LN LOT 9 141.68 E R/W RD 76 CONT E 90 S 332.71 W 173 NELY 110 E 64 & N 223.9 TO POB
Legal Range	41E
Legal Township	39S
Legal Section	7
Legal Subdivision	TROPICAL FRUIT FARMS
Legal Tract	9
Legal Block	1
Legal Lot Number	9
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	1
Census Block	1010
Census Tract	1703

Owner

Source: Martin County records, as of October 21, 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	1413 SW HEATHER TER, STUART, FL 34997-7127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 6, 2025	Deed of Trust, Mortgage · FHA Mortgage SOUTHSTATE BANK NA
Jul 20, 2018	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2010 · Amount on Record
Deed Sale	Feb 2, 2010 · Amount on Record
Prior Sale	Sep 14, 2007 · Amount on Record
Deed Document Number	20102190126
Deed Book / Page	2434 / 1859
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Sep 29, 2026
Property Address	1413 SW HEATHER TER, STUART, FL 34997-7127
Document Number	0003207071
Book / Page	3592 / 2724
Instrument Date	Sep 14, 2026
Instrument	20263207071
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 SW HEATHER TER, STUART, FL 34997-7127

Mortgage

Document Number	0003207071,
Date	Sep 29, 2026
Book Page	3592/2724
Instrument	20263207071

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2056

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1413 SW HEATHER TER, STUART, FL 34997-7127
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 SW HEATHER TER, STUART, FL 34997-7127

Mortgage

Document Number	0035251132
Date	Oct 6, 2025
Book Page	3525/1132
Instrument	3150287

Lender

Name	SOUTHSTATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Property Address	1413 SW HEATHER TER, STUART, FL 34997-7127
Document Number	0030181150
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1413 SW HEATHER TER STUART FL 349977127, STUART, FL 34997-7127

Mortgage

Document Number	0030181150
Date	Sep 28, 2018
Book Page	003018/001150
Instrument	2717697

Lender

Name	SUNTRUST MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Sep 27, 2040

Interest

Rate Type	Fixed Rate
Rate	4.99%

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	$2,804.00 (-0.18%) Homeowner's exemption	$190,701 (+5.99%)	$395,730 (+34.61%) Land $202,500 Building $193,230
2024	$2,809.00 (+2.67%)
2023	$2,736.00 (+4.07%) Additional exemption filed	$179,930 (+3%)	$293,990 (+14.86%) Land $129,600 Building $164,390
2022	$2,629.00 Homeowner's exemption	$174,690	$255,960 Land $111,090 Building $144,870

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 152 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	152 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Hurricane Frances

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% 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 223 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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