1905 SE Emerald Ct, Stuart, FL 34997 Property Records

Martin County property record for 1905 SE Emerald Ct, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 1996
Lot Size	0.513 acres (22,346 sqft)
Owner	2 Company Names on Record
Last Sale	$100 (Sep 2025)
Tax Bill	$8,508 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0094.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0094.0-5-0000`
Alternative APNs	`53-38-41-001-000-00940-5` `43287`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,081 sqft Living Area
Gross Area	2,501 sqft
1st Floor Area	2,081 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,346 sqft (0.513 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43287
Street Address	1905 SE EMERALD CT
City	STUART
State	FL
Zip	34997-6532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CORAL LAKES LOT 94
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	94
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2019
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	2 Company Names on Record
Mailing Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE LLC
Sep 24, 2025	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 21, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 29, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jan 15, 2020	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MTG LLC
Jan 24, 2019	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Aug 29, 2022 · Amount on Record
Deed Document Number	20253148628
Deed Book / Page	3523 / 504
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

Mortgage

Document Number	0032090439
Date	Mar 24, 2021
Book Page	3209/439
Instrument	2876767

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Sep 24, 2025
Property Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Document Number	0035230504
Book / Page	3523 / 504
Map Reference	MB 7 PG 80
Instrument Date	Sep 24, 2025
Instrument	3148628
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

Mortgage

Document Number	0003523176
Date	Sep 24, 2025
Instrument	3523/176

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Sep 10, 2025
Property Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Document Number	0035202240
Book / Page	3520 / 2240
Map Reference	MB 7 PG 80
Instrument Date	Sep 9, 2025
Instrument	3146492
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Aug 21, 2023
Property Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Document Number	0033921203
Book / Page	3392 / 1203
Map Reference	MB 7 PG 80
Instrument Date	Aug 17, 2023
Instrument	3031755
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 29, 2022
Property Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Document Number	0033330025
Book / Page	3333 / 25
Map Reference	MB 7 PG 80
Instrument Date	Aug 26, 2022
Instrument	2977835
Transaction Type	Transfer
Record Updated	Sep 22, 2022
Title Company	FIRM TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,103.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3196 SW ARECA DR, 3196, PALM CITY, FL 34990-3324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

Mortgage

Document Number	0000333327
Date	Aug 29, 2022
Instrument	3333/27

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Document Number	0031092618
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1905 SE EMERALD CT STUART FL 349976532, STUART, FL 34997-6532

Mortgage

Document Number	0031092618
Date	Feb 6, 2020
Book Page	003109/002618
Instrument	2798506

Lender

Name	ACCELERATE MTG LLC
Address	NEWARK, DE 19713

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 24, 2019
Property Address	1905 SE EMERALD CT, STUART, FL 34997-6532
Document Number	0030380165
Book / Page	3038 / 0165
Map Reference	MB 7 PG 80
Instrument Date	Jan 18, 2019
Instrument	2735605
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	HOMEPARTNERS TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	946 SE WILLOUGHBY TRCE, 946, STUART, FL 34997-5622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 SE EMERALD CT, STUART, FL 34997-6532

Mortgage

Document Number	0002735606
Date	Jan 24, 2019
Instrument	2735606

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$8,508.00 (-0.86%) Homeowner's exemption	$551,738 (+2.9%)	$602,330 (+2.53%) Land $200,000 Building $402,330
2024	$8,582.00 (+1.79%) Additional exemption filed	$536,189 (+3%)	$587,470 (+1.34%) Land $205,000 Building $382,470
2023	$8,431.00 (+56.51%) Additional exemption filed	$520,572 (+53.21%)	$579,680 (+28.88%) Land $205,000 Building $374,680
2022	$5,387.00 Homeowner's exemption	$339,770	$449,790 Land $163,530 Building $286,260

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 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 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

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	0.02% 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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