1809 SE Madison St, Stuart, FL 34997 Property Records

Martin County property record for 1809 SE Madison St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1983
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on Record
Last Sale	$196,500 (Oct 2017)
Tax Bill	$2,725 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`52-38-41-006-007-0025.0-1-0000`

Property Details

APN / Parcel Number

Primary APN	`52-38-41-006-007-0025.0-1-0000`
Alternative APNs	`52-38-41-006-007-00250-1` `42149`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Garage Type	Attached
Garage Area	300 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	42149
Street Address	1809 SE MADISON ST
City	STUART
State	FL
Zip	34997-5823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	CORAL GARDENS PLAT 2 LOT 25 BLK 7
Legal Range	41E
Legal Township	38S
Legal Section	52
Legal Subdivision	CORAL GARDENS
Legal Block	7
Legal Lot Number	25
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3023
Census Tract	1106

Owner

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

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	1809 SE MADISON ST, STUART, FL 34997-5823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Jan 6, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LAUNCH CU
Nov 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GTE FCU
May 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GTE FCU
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 3, 2017	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Prior Sale	Nov 27, 2013 · Amount on Record
Deed Document Number	20172657689
Deed Book / Page	2951 / 900
Prior Transfer Date	Aug 23, 2002
Prior Transfer Doc	0001692969
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Jul 9, 2026
Property Address	1809 SE MADISON ST, STUART, FL 34997-5823
Document Number	0003194865
Book / Page	3578 / 392
Instrument Date	Jul 3, 2026
Instrument	20263194865
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 SE MADISON ST, STUART, FL 34997-5823

Mortgage

Document Number	0003194865,
Date	Jul 9, 2026
Book Page	3578/392
Instrument	20263194865

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 15, 2046

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1809 SE MADISON ST, STUART, FL 34997-5823
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 SE MADISON ST, STUART, FL 34997-5823

Mortgage

Document Number	0035420341
Date	Jan 6, 2026
Book Page	3542/341
Instrument	3163778

Lender

Name	LAUNCH CU
Type	Credit Union
Address	MERRITT ISLAND, FL 32952

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 15, 2041

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1809 SE MADISON ST, STUART, FL 34997-5823
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 SE MADISON ST, STUART, FL 34997-5823

Mortgage

Document Number	0033452511
Date	Nov 14, 2022
Book Page	3345/2511
Instrument	2989279

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2037

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1809 SE MADISON ST, STUART, FL 34997-5823
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 SE MADKON ST, STUART, FL 34997

Mortgage

Document Number	0033131417
Date	May 17, 2022
Book Page	3313/1417
Instrument	2960524

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1809 SE MADISON ST, STUART, FL 34997-5823
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031782154
Date	Dec 7, 2020
Book Page	3178/2154
Instrument	2854124

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2040

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 3, 2017
Property Address	1809 SE MADISON ST, STUART, FL 34997-5823
Document Number	0029510900
Book / Page	002951 / 000900
Instrument Date	Oct 2, 2017
Instrument	2657689
Transaction Type	Transfer
Record Updated	Aug 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1809 SE MADISON ST STUART FL 349975823, STUART, FL 34997-5823

Mortgage

Document Number	29510901
Date	Oct 3, 2017
Book Page	002951/000901
Instrument	2657690

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

Tax Assessment & Valuation

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	$2,725.00 (-0.18%) Additional exemption filed	$185,493 (+5.99%)	$304,360 (+6.01%) Land $135,000 Building $169,360
2024	$2,730.00 (+2.71%)
2023	$2,658.00 (+4.07%) Additional exemption filed	$175,016 (+3%)	$287,100 (+16.62%) Land $130,000 Building $157,100
2022	$2,554.00 Homeowner's exemption	$169,919	$246,190 Land $115,000 Building $131,190

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 AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 62 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 97% 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	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 254 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	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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