1802 SE Ocean Cove Way, Stuart, FL 34996 Property Records

Martin County property record for 1802 SE Ocean Cove Way, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,605 sqft · built 2022
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$449,000 (Nov 2022)
Tax Bill	$5,987 (2024)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1124124`

Property Details

APN / Parcel Number

Primary APN	`1124124`
Alternative APN	`02-38-41-017-000-00250-0`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,605 sqft Living Area
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1124124
Street Address	1802 SE OCEAN COVE WAY
City	STUART
State	FL
Zip	34996-2855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 OCEAN COVE ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 18 PAGE 57 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Subdivision	OCEAN COVE
Legal Lot Number	25
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1003
Census Tract	901

Owner

Source: Martin County records, as of December 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1802 SE OCEAN COVE WAY, STUART, FL 34996-2855
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Nov 30, 2022	Warranty Deed, Transfer · Conventional Mortgage FIDELITY FUNDING MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022 · Amount on Record
Deed Sale	Nov 30, 2022 · Amount on Record
Deed Document Number	0003348737
Deed Book / Page	3348 / 737
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1802 SE OCEAN COVE WAY, STUART, FL 34996-2855
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	PGP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CENTURY LN 510, 510, MIAMI BEACH, FL 33139-8815

Mortgage

Document Number	0033212174
Date	Jun 27, 2022
Book Page	3321/2174
Instrument	2967760

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 30, 2022
Property Address	1802 SE OCEAN COVE WAY, STUART, FL 34996-2855
Document Number	0033480737
Book / Page	3348 / 737
Map Reference	MB 18 PG 57
Instrument Date	Nov 17, 2022
Instrument	2991566
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 CENTURY LN APT 510, 510, MIAMI BEACH, FL 33139-8815

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1802 SE OCEAN COVE WAY, STUART, FL 34996-2855

Mortgage

Document Number	0003348739
Date	Nov 30, 2022
Instrument	3348/739

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

Source: Martin County assessment roll, as of July 1, 2025

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		$374,408 (+5.99%)	$414,720 (+17.4%) Land $160,000 Building $254,720
2024	$5,987.00 (+3.05%)
2023	$5,810.00 (+731.19%) Additional exemption filed	$353,260 (+1,174.39%) Land $115,000 Building $238,260	$353,260 (+751.23%) Land $115,000 Building $238,260
2022	$699.00	$27,720	$41,500 Land $41,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 133 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	461 units insured incl. 328 condo units
Nearby Flood Claims	37 (1983–2024)
Claims Outside the SFHA	14 of 37
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 16 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 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 150 locations within half a mile, as of December 31, 2025

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

May also be available: Blue Stream, Hotwire Communications.

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