2023 SE Lafayette St, Stuart, FL 34997 Property Records

Martin County property record for 2023 SE Lafayette St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,310 sqft · built 1975
Lot Size	0.174 acres (7,579 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (May 2021)
Tax Bill	$4,868 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-38-41-006-005-0023.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`52-38-41-006-005-0023.0-0-0000`
Alternative APNs	`52-38-41-006-005-00230-0` `42087`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,310 sqft Living Area
1st Floor Area	2,310 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,579 sqft (0.174 acres)

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	205 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	42087
Street Address	2023 SE LAFAYETTE ST
City	STUART
State	FL
Zip	34997-5820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	CORAL GARDENS PLAT 2 LOT 23 BLK 5
Legal Range	41E
Legal Township	38S
Legal Section	52
Legal Subdivision	CORAL GARDENS
Legal Block	5
Legal Lot Number	23
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3015
Census Tract	1106

Owner

2023 SE Lafayette St is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2023 SE LAFAYETTE ST, STUART, FL 34997-5820
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 3, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2021 · Amount on File
Deed Sale	May 3, 2021 · Amount on File
Prior Sale	Jul 31, 1997 · Amount on File
Deed Document Number	20212885728
Deed Book / Page	3220 / 2260
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2023 SE LAFAYETTE ST, STUART, FL 34997-5820
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2023 SE LAFAYETTE ST, STUART, FL 34997-5820

Mortgage

Document Number	0033370159
Date	Sep 21, 2022
Book Page	3337/159
Instrument	2981566

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 3, 2021
Property Address	2023 SE LAFAYETTE ST, STUART, FL 34997-5820
Document Number	0032202260
Book / Page	3220 / 2260
Map Reference	MB 3 PG 129
Instrument Date	Apr 29, 2021
Instrument	2885728
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	STARFISH TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2023 SE LAFAYETTE ST, 2023, STUART, FL 34997-5820

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2023 SE LAFAYETTE ST, STUART, FL 34997-5820

Mortgage

Document Number	32202262
Date	May 3, 2021
Instrument	3220/2262

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2023 SE Lafayette St was $4,868 with a homeowner's exemption, down 0.6% from the year before.

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	$4,868.00 (-0.61%) Additional exemption filed	$321,188	$352,160 Land $135,000 Building $217,160
2024	$4,898.00 (+2.11%)
2023	$4,797.00 (+3.67%) Additional exemption filed	$303,046 (+3%)	$340,580 (+15.76%) Land $130,000 Building $210,580
2022	$4,627.00 Homeowner's exemption	$294,220 Land $115,000 Building $179,220	$294,220 Land $115,000 Building $179,220

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

Flood

FEMA maps place 2023 SE Lafayette St in Zone X, an area of minimal flood risk, within 100 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 AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 2023 SE Lafayette St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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