1651 SE 13th St, Stuart, FL 34996 Property Records

Martin County property record for 1651 SE 13th St, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,382 sqft · built 1973
Lot Size	0.232 acres (10,106 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Dec 2023)
Tax Bill	$4,713 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-38-41-005-063-0062.0-6-0000`

Property Details

APN / Parcel Number

Primary APN	`10-38-41-005-063-0062.0-6-0000`
Alternative APNs	`10-38-41-005-063-00620-6` `26905`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,382 sqft Living Area
Gross Area	1,868 sqft
1st Floor Area	1,382 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,106 sqft (0.232 acres)
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Enclosed Pool
Porch	Screened Concrete Masonry Porch
Porch Area	272 sqft
Patio Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26905
Street Address	1651 SE 13TH ST
City	STUART
State	FL
Zip	34996-5815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SARITA HEIGHTS LOT 62 (W 20 OF LOT 33 ALL OF LOT 32 & E 15 OF LOT 31 BLK 63 SARITA ADDN)
Legal Range	41E
Legal Township	38S
Legal Section	10
Legal Subdivision	SARITA ADDITION TO BROADWAY SECTION
Legal Block	63
Legal Lot Number	62
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	3
Census Block	3007
Census Tract	902

Owner

1651 SE 13th St is owned and occupied by an individual who bought it in December 2023.

Source: Martin County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	1651 SE 13TH ST, STUART, FL 34996-5815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage A&D MORTGAGE LLC
Dec 5, 2023	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 24, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2023 · Amount on File
Deed Sale	Dec 5, 2023 · Amount on File
Prior Sale	Nov 10, 2003 · Amount on File
Deed Document Number	20233047934
Deed Book / Page	3409 / 2687
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1651 SE 13TH ST, STUART, FL 34996-5815
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 SE 13TH ST, STUART, FL 34996-5815

Mortgage

Document Number	0035482086
Date	Feb 13, 2026
Book Page	3548/2086
Instrument	3170360

Lender

Name	A&D MORTGAGE LLC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33309

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 5, 2023
Property Address	1651 SE 13TH ST, STUART, FL 34996-5815
Document Number	0034092687
Book / Page	3409 / 2687
Map Reference	MB 1 PG 12
Instrument Date	Dec 5, 2023
Instrument	3047934
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	384 SW JEANNE AVE, PORT SAINT LUCIE, FL 34953-2509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 SE 13TH ST, STUART, FL 34996-5815

Mortgage

Document Number	0034092689
Date	Dec 5, 2023
Instrument	3409/2689

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1651 SE 13TH ST, STUART, FL 34996-5815
Document Number	0029502884
Book / Page	002950 / 002884
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Oct 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1651 SE 13TH ST STUART FL 349965815, STUART, FL 34996-5815

Mortgage

Document Number	0029502884
Date	Oct 2, 2017
Book Page	002950/002884
Instrument	2657407

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1651 SE 13th St was $4,713 with a homeowner's exemption, down 0.8% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Municipality	Stuart City
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,713.00 (-0.82%) Additional exemption filed	$305,571	$306,960 Land $150,000 Building $156,960
2024	$4,752.00 (+261.09%)
2023	$1,316.00 (+5.11%) Additional exemption filed	$106,382 (+3%)	$279,520 (+3.51%) Land $140,000 Building $139,520
2022	$1,252.00 Homeowner's exemption	$103,284	$270,050 Land $165,000 Building $105,050

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1651 SE 13th St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1995.

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
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (1995–2009)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Jul 2009 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 3 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

Wildfire risk around 1651 SE 13th St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Nearby Properties on SE 13th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures