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1816 SE Ocean Cove Way, Stuart, FL 34996 Property Records

Martin County property record for 1816 SE Ocean Cove Way, Stuart, FL 34996

Property Summary

Property TypeTownhouse
Details3 bd · 2.5 ba · 1,782 sqft · built 2022
Lot Size0.04 acres (1,742 sqft)
OwnerIndividual Name on Record
Last Sale$376,000 (May 2022)
Tax Bill$7,166 (2025)
Deeds & MortgagesNov 2023 Line of Credit
May 2022 Sale
Flood ZoneZone X (minimal risk)
APN02-38-41-017-000-0018.0-0-0000

Property Details

APN / Parcel Number

Primary APN02-38-41-017-000-0018.0-0-0000
Alternative APNs
  • 02-38-41-017-000-00180-0
  • 1124117

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,782 sqft Living Area
Gross Area2,044 sqft
1st Floor Area776 sqft
ElevatorElevator

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleTownhouse
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,742 sqft (0.04 acres)
Garage TypeAttached
Garage Area262 sqft
PorchOpen Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number1124117
Street Address1816 SE OCEAN COVE WAY
CitySTUART
StateFL
Zip34996-2855
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLOT 18 OCEAN COVE ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 18 PAGE 57 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range41E
Legal Township38S
Legal Section2
Legal SubdivisionOCEAN COVE
Legal Block1
Legal Lot Number18
JurisdictionMARTIN FL
Township / Civil DivisionSTUART
Census Block Group1
Census Block1003
Census Tract901

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 RecordIndividual Name on Record
Mailing Address1816 SE OCEAN COVE WAY, STUART, FL 34996-2855
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2023Deed of Trust, Mortgage · Line of Credit
SEACOAST NATIONAL BANK
May 26, 2022Warranty Deed, Subdivision Related Transfer
PGP TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 26, 2022 · Amount on Record
Deed SaleMay 26, 2022 · Amount on Record
Deed Document Number20222962401
Deed Book / Page3315 / 1557
Record UpdatedOct 29, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address1816 SE OCEAN COVE WAY, STUART, FL 34996-2855
Transaction TypeMortgage
Record UpdatedDec 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address265 LIVE OAK LN, WEST BRADFORD, PA 19380-6742

Mortgage

Document Number0034060807
DateNov 13, 2023
Book Page3406/807
Instrument3044753
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34995
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueNov 1, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateMay 26, 2022
Property Address1816 SE OCEAN COVE WAY, STUART, FL 34996-2855
Document Number0033151557
Book / Page3315 / 1557
Map ReferenceMB 18 PG 57-61
Instrument DateMay 19, 2022
Instrument2962401
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 9, 2023
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
Tax$2,632.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1475 CENTREPARK BLVD STE 305, 305, WEST PALM BEACH, FL 33401-7425

Transferred To (Grantee/Buyer)

NameVerified Name
Address1816 SE OCEAN COVE WAY, STUART, FL 34996-2855

Tax Assessment & Valuation

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
MunicipalityStuart City
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,166.00 (+2.17%)$402,010 (+8.82%) Land $130,000 Building $272,010$402,010 (+8.82%) Land $130,000 Building $272,010
2024$7,014.00 (+2.04%)
2023$6,874.00 (+883.4%)$369,430 (+1,232.72%) Land $115,000 Building $254,430$369,430 (+790.19%) Land $115,000 Building $254,430
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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 133 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies461 units insured
incl. 328 condo units
Nearby Flood Claims37 (1983–2024)
Claims Outside the SFHA14 of 37
Most Recent ClaimJun 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 RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSTUART, CITY OF - WATER PLANT
serves 16,841 people · EPA ID FL4430259
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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

ProviderMax 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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