220 SW Willow Lake Trl, Stuart, FL 34997 Property Records

Martin County property record for 220 SW Willow Lake Trl, Stuart, FL 34997 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,613 sqft · built 1981
Lot Size	0.471 acres (20,560 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Aug 2019)
Tax Bill	$13,171 (2024)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`55-38-41-421-000-00040-1`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-421-000-00040-1`
Alternative APN	`45100`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,613 sqft Living Area
1st Floor Area	2,613 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,560 sqft (0.471 acres)
Garage Type	Detached
Garage Area	825 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	1,754 sqft
Deck Area	231 sqft
Patio Area	511 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45100
Street Address	220 SW WILLOW LAKE TRL
City	STUART
State	FL
Zip	34997-7425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAPE LIVE OAK LOT 4
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	CAPE LIVE OAK
Legal Lot Number	4
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1021
Census Tract	1103

Owner

Source: Martin County records · APN 55-38-41-421-000-00040-1

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	220 SW WILLOW LAKE TRL, STUART, FL 34997-7425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 29, 2018	Warranty Deed, Transfer MORTGAGE FIRM
Feb 02, 2017	Deed of Trust, Mortgage · VA Mortgage I3 LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 28, 2019 · Amount on Record
Deed Sale	Aug 28, 2019 · Amount on Record
Prior Sale	Aug 28, 2019 · Amount on Record
Deed Document Number	0030791285
Deed Book / Page	3079 / 1285
Record Updated	Jun 08, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 28, 2019
Property Address	220 SW WILLOW LAKE TRL, STUART, FL 34997-7425
Document Number	0030791285
Book / Page	3079 / 1285
Map Reference	MB 7 PG 40
Instrument Date	Aug 23, 2019
Instrument	2772213
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 SW WILLOW LAKE TRL, 220, STUART, FL 34997-7425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 SW WILLOW LAKE TRL, STUART, FL 34997-7425

Mortgage

Document Number	0030791286
Date	Aug 28, 2019
Instrument	3079/1286

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 29, 2018
Property Address	220 SW WILLOW LAKE TRL, STUART, FL 34997-7425
Document Number	0030011664
Book / Page	003001 / 001664
Instrument Date	Jun 27, 2018
Instrument	2702806
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 SW WILLOW LAKE TRL STUART FL 349977425, STUART, FL 34997-7425

Mortgage

Document Number	30011665
Date	Jun 29, 2018
Book Page	003001/001665
Instrument	2702807

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	220 SW WILLOW LAKE TRL, STUART, FL 34997-7425
Document Number	0029060112
Book / Page	002906 / 000112
Instrument Date	Feb 02, 2017
Transaction Type	Mortgage
Record Updated	Feb 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 SW WILLOW LAKE TRL STUART FL 349977425, STUART, FL 34997-7425

Mortgage

Document Number	0029060112
Date	Feb 08, 2017
Book Page	002906/000112
Instrument	2618523

Lender

Name	I3 LNDG
Address	LONGWOOD, FL 32750

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 07, 2047

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$833,030 (+20.16%) Land $461,700 Building $371,330	$833,030 (-8.53%) Land $461,700 Building $371,330
2024	$13,171.00 (-0.76%)
2023	$13,272.00 (+16.27%)	$693,257 (+1%)	$910,760 (+26.88%) Land $486,000 Building $424,760
2022	$11,415.00	$630,234	$717,810 Land $416,020 Building $301,790

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850011031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 186 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	218 units insured 32 under condo master policies
Nearby Flood Claims	170 (1979–2025)
Claims Outside the SFHA	25 of 170
Most Recent Claim	Oct 2025, other causes
Claims By Storm	Hurricane Frances, Sep 2004 · 75 claims Hurricane Irene, Oct 1999 · 18 claims Severe Flooding, Oct 1995 · 47 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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