1870 SE Cove Rd, Stuart, FL 34997 Property Records

Martin County property record for 1870 SE Cove Rd, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,378 sqft · built 1971
Lot Size	2.05 acres (89,734 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Apr 2024)
Tax Bill	$1,551 (2024)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-38-41-001-000-00170-6`

Property Details

APN / Parcel Number

Primary APN	`34-38-41-001-000-00170-6`
Alternative APN	`31629`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,378 sqft Living Area
1st Floor Area	2,378 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1971
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	89,734 sqft (2.05 acres)
Pool Area	375 sqft
Porch	Porch
Porch Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31629
Street Address	1870 SE COVE RD
City	STUART
State	FL
Zip	34997-7621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WACO FIELD PLACE PT OF LOT 17 DESC AS: BEG 674.86' NLY OF SW COR ALG W/LN CONT N 497.54 TO NW COR N 65DEG E 203.76' S 497.85'
Legal Range	41E
Legal Township	38S
Legal Section	34
Legal Subdivision	WACO FIELD PLACE
Legal Lot Number	17
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2003
Census Tract	1108

Owner

Source: Martin County records · APN 34-38-41-001-000-00170-6

Assessment roll updated July 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	1870 SE COVE RD, STUART, FL 34997-7621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 09, 2024 · Amount on Record
Deed Sale	Apr 09, 2024 · Amount on Record
Deed Document Number	0034301367
Deed Book / Page	3430 / 1367
Record Updated	Jun 08, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 09, 2024
Property Address	1870 SE COVE RD, STUART, FL 34997-7621
Document Number	0034301367
Book / Page	3430 / 1367
Map Reference	MB 5 PG 62
Instrument Date	Apr 08, 2024
Instrument	3066618
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	SOUTH FLORIDA TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1311 RD PT ST LUICE, PALM BEACH, FL 33480

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1870 SE COVE RD, STUART, FL 34997-7621

Mortgage

Document Number	0003066619
Date	Apr 09, 2024
Instrument	3066619

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$596,140 (+205.14%) Land $412,000 Building $184,140	$596,140 (+11.35%) Land $412,000 Building $184,140
2024	$1,551.00 (+1.77%)
2023	$1,524.00 (+3.11%) Additional exemption filed	$195,366 (+3%)	$535,380 (+28.64%) Land $370,800 Building $164,580
2022	$1,478.00 Homeowner's exemption	$189,676	$416,170 Land $257,500 Building $158,670

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 247 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

Wildfire

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: AT&T.

Based on FCC filings for 33 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MARTIN CO UTILITIES serves 104,105 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.