18 Island Rd, Stuart, FL 34996 Property Records

Martin County property record for 18 Island Rd, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,238 sqft · built 2001
Lot Size	0.376 acres (16,379 sqft)
Owner	2 Individual Names on File
Last Sale	$1,857,000 (Nov 2019)
Tax Bill	$26,983 (2024)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`13-38-41-003-000-0073.0-1-0000`

Property Details

APN / Parcel Number

Primary APN	`13-38-41-003-000-0073.0-1-0000`
Alternative APNs	`13-38-41-003-000-00730-1` `27761`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	5,238 sqft Living Area
Gross Area	5,814 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	16,379 sqft (0.376 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	576 sqft
Porch	Open Porch
Porch Area	873 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	18 ISLAND RD
City	STUART
State	FL
Zip	34996-7005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HIGH POINT ISLE ADDN LOT 73
Legal Range	41E
Legal Township	38S
Legal Section	13
Legal Subdivision	HIGH POINT
Legal Block	1
Legal Lot Number	73
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1013
Census Tract	502

Owner

Source: Martin County assessment roll, as of August 27, 2025

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 File
Mailing Address	18 ISLAND RD, STUART, FL 34996-7005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Aug 19, 2016 · Amount on Record
Deed Document Number	20192786626
Deed Book / Page	3096 / 1719
Prior Transfer Date	Dec 21, 2016
Prior Transfer Doc	0028981382
Record Updated	Jun 8, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 25, 2019
Property Address	18 ISLAND RD, SEWALLS POINT, FL 34996-7005
Document Number	0030961719
Book / Page	3096 / 1719
Map Reference	MB 4 PG 47
Instrument Date	Nov 21, 2019
Instrument	2786626
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$12,999.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1155 N GULFSTREAM AVE STE 1406, 1155, SARASOTA, FL 34236-5599

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	18 ISLAND RD, STUART, FL 34996-7005

Mortgage

Document Number	0030961721
Date	Nov 25, 2019
Instrument	3096/1721

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	7.37%

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 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		$1,726,123 (+5.99%)	$2,993,730 (+2.25%) Land $1,750,000 Building $1,243,730
2024	$26,983.00 (+1.77%)
2023	$26,515.00 (+3.07%) Additional exemption filed	$1,628,619 (+3%)	$2,927,870 (+22.6%) Land $1,650,000 Building $1,277,870
2022	$25,724.00 Homeowner's exemption	$1,581,184	$2,388,130 Land $1,400,000 Building $988,130

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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