1686 SE 10th St, Stuart, FL 34996 Property Records

Martin County property record for 1686 SE 10th St, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 1973
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Nov 2019)
Tax Bill	$3,444 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-38-41-005-061-0094.0-3-0000`

Property Details

APN / Parcel Number

Primary APN	`10-38-41-005-061-0094.0-3-0000`
Alternative APNs	`10-38-41-005-061-00940-3` `26894`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
Gross Area	1,870 sqft
1st Floor Area	1,590 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	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	26894
Street Address	1686 SE 10TH ST
City	STUART
State	FL
Zip	34996-5805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SARITA ADDN TO BROADWAY SECTION OF ST LUCIE ESTATES S/D (PB 1 PG 12) BLOCK 61 BEGIN AT THE NW CORNER OF LOT 12 RUN WEST 75 FT SOUTH 125 FT EAST 75 FT NORTH 125 FT TO THE POB ALL LYING WITHIN LOT A
Legal Range	41E
Legal Township	38S
Legal Section	10
Legal Subdivision	SARITA ADDITION TO BROADWAY SECTION
Legal Block	61
Legal Lot Number	A
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	3
Census Block	3002
Census Tract	902

Owner

Source: Martin County records, as of October 22, 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	1686 SE 10TH ST, STUART, FL 34996-5805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC
Nov 25, 2019	Warranty Deed, Transfer · FHA Mortgage EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Jan 11, 2016 · Amount on Record
Deed Document Number	20192786567
Deed Book / Page	3096 / 1558
Prior Transfer Date	Sep 22, 2015
Prior Transfer Doc	0028092069
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Oct 2, 2026
Property Address	1686 SE 10TH ST, STUART, FL 34996-5805
Document Number	0003207909
Book / Page	3593 / 2913
Instrument Date	Sep 28, 2026
Instrument	20263207909
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1686 SE 10TH ST, STUART, FL 34996-5805

Mortgage

Document Number	0003207909,
Date	Oct 2, 2026
Book Page	3593/2913
Instrument	20263207909

Lender

Name	EAST COAST MORTGAGE LENDERS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 25, 2019
Property Address	1686 SE 10TH ST, STUART, FL 34996-5805
Document Number	0030961558
Book / Page	3096 / 1558
Instrument Date	Nov 21, 2019
Instrument	2786567
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 LEE RD, 357, EAST STROUDSBURG, PA 18302-9458

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1686 SE 10TH ST, STUART, FL 34996-5805

Mortgage

Document Number	0030961560
Date	Nov 25, 2019
Instrument	3096/1560

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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	$3,444.00 (-0.75%) Additional exemption filed	$232,144 (+5.99%)	$335,290 (+9.57%) Land $150,000 Building $185,290
2024	$3,470.00 (+2.51%)
2023	$3,385.00 (+3.77%) Additional exemption filed	$219,032 (+3%)	$306,010 (+4.58%) Land $140,000 Building $166,010
2022	$3,262.00 Homeowner's exemption	$212,653	$292,610 Land $165,000 Building $127,610

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 500 ft
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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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