1770 NW River Trl, Stuart, FL 34994 Property Records

Martin County property record for 1770 NW River Trl, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,558 sqft · built 2018
Lot Size	0.523 acres (22,782 sqft)
Owner	2 Individual Names on File
Last Sale	$2,350,000 (Sep 2022)
Tax Bill	$21,753 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Dec 2022 Line of Credit + 6 more
Flood Zone	Zone AE (high risk)
APN	`30-37-41-007-006-0011.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`30-37-41-007-006-0011.0-0-0000`
Alternative APNs	`30-37-41-007-006-00110-0` `7287`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,558 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	2,558 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,782 sqft (0.523 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	723 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7287
Street Address	1770 NW RIVER TRL
City	STUART
State	FL
Zip	34994-9449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH RIVER SHORES SEC 2 LOT 11 BLK 6
Legal Range	41E
Legal Township	37S
Legal Section	30
Legal Subdivision	NORTH RIVER SHORES
Legal Block	6
Legal Lot Number	11
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1001
Census Tract	300

Owner

1770 NW River Trl is owned and occupied by two individuals who bought it in September 2022.

Source: Martin County records, as of September 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Dec 21, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 2, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 21, 2017	Deed of Trust, Mortgage · ARM AMERIS BANK
Nov 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage SEACOAST NATIONAL BANK
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE BANK OF CALIFORNIA
Jul 25, 2018	Loan Modification, Mortgage AMERIS BK
Sep 2, 2016	Loan Modification, Mortgage · Conventional Mortgage BUFFINGTON WILLIAM I TR (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Jun 3, 2013 · Amount on File
Deed Document Number	20222978990
Deed Book / Page	3334 / 1042
Prior Transfer Date	Dec 22, 2003
Prior Transfer Doc	0001730642
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 NW RIVER TRL, STUART, FL 34994-9449

Mortgage

Document Number	0033961148
Date	Sep 13, 2023
Book Page	3396/1148
Instrument	3035241

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Margin	3
Max Rate	11.5%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	BRIDGETRUST TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 NW RIVER TRL, STUART, FL 34994-9449

Mortgage

Document Number	0033510858
Date	Dec 21, 2022
Book Page	3351/858
Instrument	2994477

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 2, 2022
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Document Number	0033341042
Book / Page	3334 / 1042
Map Reference	MB 3 PG 50
Instrument Date	Aug 31, 2022
Instrument	2978990
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$16,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1750 NW RIVER TRL, 1750, STUART, FL 34994-9449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 NW RIVER TRL, STUART, FL 34994-9449

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029382183
Date	Jul 21, 2017
Book Page	02938/2183
Instrument	2646706

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030270920
Date	Nov 15, 2018
Book Page	03027/0920
Instrument	2725866

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 2, 2033

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 NW RIVER TRL, STUART, FL 34994-9449

Mortgage

Document Number	0032470869
Date	Aug 6, 2021
Book Page	3247/869
Instrument	2906811

Lender

Name	MORTGAGE BANK OF CALIFORNIA
Type	Mortgage Company
Address	MANHATTAN BEACH, CA 90266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Document Number	0030062569
Instrument Date	Jul 25, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1770 NW RIVER TRL STUART FL 349949449, STUART, FL 34994-9449

Mortgage

Document Number	0030062569
Date	Jul 27, 2018
Book Page	003006/002569
Instrument	2707611

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

September 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Property Address	1770 NW RIVER TRL, STUART, FL 34994-9449
Document Number	0029110703
Book / Page	002911 / 000703
Instrument Date	Sep 2, 2016
Transaction Type	Mortgage
Record Updated	Apr 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 SE KITCHING COVE LN PORT ST LUCIE FL 349525902, PORT ST LUCIE, FL 34952-5902

Mortgage

Document Number	0029110703
Date	Mar 8, 2017
Book Page	002911/000703
Instrument	2623224

Lender

Name	BUFFINGTON WILLIAM I TR (PT)
Address	1944 NW PINE TREE LN, STUART, FL 34994-8838

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 7, 2018

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 1770 NW River Trl was $21,753 with a homeowner's exemption, down 1% from the year before.

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	$21,753.00 (-1.05%) Additional exemption filed	$1,391,291	$1,697,350 Land $880,000 Building $817,350
2024	$21,983.00 (+1.58%)
2023	$21,641.00 (+49.49%) Additional exemption filed	$1,312,700 (+48.17%)	$1,812,700 (+32.78%) Land $935,000 Building $877,700
2022	$14,477.00 Homeowner's exemption	$885,929	$1,365,150 Land $831,600 Building $533,550

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 1770 NW River Trl in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 93 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	114 units insured incl. 21 condo units
Nearby Flood Claims	18 (1979–2015)
Claims Outside the SFHA	8 of 18
Most Recent Claim	Apr 2015 · other causes
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Hurricane Irene, Oct 1999 · 2 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 1770 NW River Trl is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on NW River Trl

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