181 SW Otter Run Pl, Stuart, FL 34997 Property Records

Martin County property record for 181 SW Otter Run Pl, Stuart, FL 34997

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,753 sqft · built 2010
Lot Size	0.071 acres (3,075 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Apr 2026)
Tax Bill	$4,831 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`41-38-41-007-000-0030.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-007-000-0030.0-0-0000`
Alternative APNs	`41-38-41-007-000-00300-0` `457924`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,753 sqft Living Area
Gross Area	1,993 sqft
1st Floor Area	758 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	3,075 sqft (0.071 acres)
View / Lot	Homesite
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	457924
Street Address	181 SW OTTER RUN PL
City	STUART
State	FL
Zip	34997-3044
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUDR
Legal Description	LOT 30 PH 2 WHITEMARSH RESERVE PUD (PB 16 PG 38)
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	WHITEMARSH RESERVE
Legal Block	2
Legal Lot Number	30
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2001
Census Tract	1103

Owner

181 SW Otter Run Pl, a townhouse, is owned and occupied by two individuals who bought it in April 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	181 SW OTTER RUN PL, STUART, FL 34997-3044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTHWEST FUNDING, L.P.
May 21, 2019	Warranty Deed, Transfer ELITE TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on File
Deed Sale	Apr 17, 2026 · Amount on File
Prior Sale	May 21, 2019 · Amount on File
Deed Document Number	20263181077
Deed Book / Page	3561 / 357
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 17, 2026
Property Address	181 SW OTTER RUN PL, STUART, FL 34997-3044
Document Number	0035610357
Book / Page	3561 / 357
Instrument Date	Apr 13, 2026
Instrument	20263181077
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	ATLANTIC SETTLEMENT GROUP LLC, ATLANTIC SETTLEMENT GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	181 SW OTTER RUN PL, STUART, FL 34997-3044

Mortgage

Document Number	0003181078,
Date	Apr 17, 2026
Instrument	20263181078

Lender

Name	SOUTHWEST FUNDING, L.P.

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 21, 2019
Property Address	181 SW OTTER RUN PL, STUART, FL 34997-3044
Document Number	0030600812
Book / Page	003060 / 000812
Instrument Date	May 16, 2019
Instrument	2755753
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	ELITE TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$1,596.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 KEW CT NORTHPORT NY 117681146, NORTHPORT, NY 11768-1146

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	$4,831.00 (+2.5%)	$295,717 (+21%)	$327,100 (+1.5%) Land $100,000 Building $227,100
2024	$4,713.00 (+3.7%)
2023	$4,545.00 (+16.81%)	$244,395 (+1%)	$322,280 (+27.18%) Land $100,000 Building $222,280
2022	$3,891.00	$222,178	$253,400 Land $50,000 Building $203,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 181 SW Otter Run Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force

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 181 SW Otter Run Pl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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 401 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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