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2196 SW Ranch Trl, Stuart, FL 34997 Property Records

Martin County property record for 2196 SW Ranch Trl, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,742 sqft · built 1984
Lot Size2.01 acres (87,556 sqft)
OwnerIndividual Name on File
Last Sale$700,000 (Sep 2025)
Tax Bill$9,377 (2024)
Deeds & MortgagesApr 2023 Mortgage
Sep 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN07-39-41-006-000-00020-7

Property Details

APN / Parcel Number

Primary APN07-39-41-006-000-00020-7
Alternative APNs
  • 739410060000002070000
  • 61293

Interior

Bedrooms2 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Total Rooms2 Rooms
Stories2 Stories
Building Area1,742 sqft Living Area
1st Floor Area1,558 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1984
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area87,556 sqft (2.01 acres)
Garage TypeAttached
Garage Area460 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area240 sqft
PorchPorch
Porch Area279 sqft
Deck Area80 sqft
Patio Area160 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number61293
Old Parcel Number739410060000002070000
Street Address2196 SW RANCH TRL
CitySTUART
StateFL
Zip34997-7964
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJOE MOSLEY MINOR PLAT NO 1 TR B
Legal Range41E
Legal Township39S
Legal Section07
Legal SubdivisionJOE MOSLEY
Legal TractB
Legal Lot Number2
JurisdictionMARTIN FL
Township / Civil DivisionINDIANTOWN
Census Block Group2
Census Block2030
Census Tract1703

Owner

Source: Martin County records · APN 07-39-41-006-000-00020-7

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2196 SW RANCH TRL, STUART, FL 34997-7964
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 21, 2023Deed of Trust, Mortgage · Stand-Alone First Mortgage
CARDINAL FINANCIAL COMPANY LP
Sep 05, 2025Warranty Deed, Transfer · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Dec 05, 2022Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 05, 2025 · Amount on Record
Deed SaleSep 05, 2025 · Amount on Record
Prior SaleDec 05, 2022 · Amount on Record
Deed Document Number0035192986
Deed Book / Page3519 / 2986
Record UpdatedJun 08, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address2196 SW RANCH TRL, STUART, FL 34997-7964
Transaction TypeMortgage
Record UpdatedSep 29, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2196 SW RANCH TRL, STUART, FL 34997-7964

Mortgage

Document Number0033702157
DateApr 21, 2023
Book Page3370/2157
Instrument3012451
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateSep 05, 2025
Property Address2196 SW RANCH TRL, STUART, FL 34997-7964
Document Number0035192986
Book / Page3519 / 2986
Map ReferenceMB 6 PG 77
Instrument DateSep 03, 2025
Instrument3145911
Transaction TypeTransfer
Record UpdatedDec 25, 2025
Title CompanyINTEGRITY TTL & STLMT GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,900.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6100 E POLK ST, WHITE CLOUD, MI 49349-9319

Transferred To (Grantee/Buyer)

NameVerified Name
Address2196 SW RANCH TRL, STUART, FL 34997-7964

Mortgage

Document Number0000035201
DateSep 05, 2025
Instrument3520/1
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateDec 05, 2022
Property Address2196 SW RANCH TRL, STUART, FL 34997-7964
Document Number0033482890
Book / Page3348 / 2890
Map ReferenceMB 6 PG 77
Instrument DateDec 02, 2022
Instrument2992272
Transaction TypeTransfer
Record UpdatedJun 07, 2023
Title CompanyOMEGA NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,911.60
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8616 SW PERRY LN, STUART, FL 34997-7935

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address2196 SW RANCH TRL, STUART, FL 34997-7964

Mortgage

Document Number0033482892
DateDec 05, 2022
Instrument3348/2892
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin 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.

YearTax BillAssessed ValueAssessed Market Value
2025$579,432 (+1%)$636,570 (+10.38%) Land $422,100 Building $214,470
2024$9,377.00 (+11.56%)$526,757 (+1%)$576,720 (+20.43%) Land $381,900 Building $194,820
2023$8,405.00 (+481.26%)$478,870 (+158.49%) Land $291,450 Building $187,420$478,870 (+31.27%) Land $291,450 Building $187,420
2022$1,446.00 Homeowner's exemption$185,257$364,800 Land $201,450 Building $163,350

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 101 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies101 in force

Wildfire

Wildfire RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation at the parcel

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

ProviderMax Down / Up (Mbps)
Xfinity
Fiber · Cable in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20

Based on FCC filings for 242 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 SystemMARTIN CO UTILITIES
serves 104,105 people
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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.

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