23 Island Rd, Stuart, FL 34996 Property Records

Martin County property record for 23 Island Rd, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,881 sqft · built 1988
Lot Size	0.35 acres (15,246 sqft)
Owner	Company Name on Record
Last Sale	$1,175,000 (May 2019)
Tax Bill	$14,133 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-38-41-003-000-0079.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`13-38-41-003-000-0079.0-8-0000`
Alternative APNs	`13-38-41-003-000-00790-8` `27767`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,881 sqft Living Area
Gross Area	4,564 sqft
1st Floor Area	2,476 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	683 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	648 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	1,030 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27767
Street Address	23 ISLAND RD
City	STUART
State	FL
Zip	34996-7006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HIGH POINT ISLE ADDN LOT 79
Legal Range	41E
Legal Township	38S
Legal Section	13
Legal Subdivision	HIGH POINT
Legal Block	1
Legal Lot Number	79
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1013
Census Tract	502

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	Company Name on Record
Mailing Address	23 ISLAND RD, STUART, FL 34996-7006
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	Dec 31, 1990 · Amount on Record
Deed Document Number	20192754470
Deed Book / Page	3058 / 1923
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 15, 2019
Property Address	23 ISLAND RD, SEWALLS POINT, FL 34996-7006
Document Number	0030581923
Book / Page	3058 / 1923
Map Reference	MB 4 PG 47
Instrument Date	Apr 25, 2019
Instrument	2754470
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ISLAND RD, STUART, FL 34996-7006

Mortgage

Document Number	0030581925
Date	May 15, 2019
Instrument	3058/1925

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Municipality	Sewall's Point Town
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,133.00 (-0.67%) Additional exemption filed	$916,861 (+5.99%)	$1,791,890 (+3.6%) Land $1,200,000 Building $591,890
2024	$14,228.00 (+1.88%)
2023	$13,966.00 (+3.15%) Additional exemption filed	$865,070 (+3%)	$1,729,610 (+23.48%) Land $1,100,000 Building $629,610
2022	$13,539.00 Homeowner's exemption	$839,874	$1,400,670 Land $900,000 Building $500,670

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 179 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	110 (1982–2022)
Claims Outside the SFHA	9 of 110
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 92 claims

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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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