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

Martin County property record for 240 SW Willow Lake Trl, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,207 sqft · built 1982
Lot Size	0.438 acres (19,079 sqft)
Owner	2 Individual Names on File
Last Sale	$599,000 (Dec 2008)
Tax Bill	$8,364 (2025)
Flood Zone	Zone AE (high risk)
APN	`55-38-41-421-000-0001.1-6-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-421-000-0001.1-6-0000`
Alternative APNs	`55-38-41-421-000-00011-6` `45098`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,207 sqft Living Area
Gross Area	4,180 sqft
1st Floor Area	2,045 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	19,079 sqft (0.438 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Screened Concrete Masonry Porch
Porch Area	924 sqft
Deck Area	776 sqft
Patio Area	902 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45098
Street Address	240 SW WILLOW LAKE TRL
City	STUART
State	FL
Zip	34997-7425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAPE LIVE OAK LOT 2 (LESS BEG COR COMMON TO LTS 1 THRU 6 SWLY ALG S/LN LT 2 166.5 TO CTR CUL DE SAC NW 41.44 TO S/LN LOT 1 NE 177.16 TO POB) & PT OF LOT 1 DESC AS: BEG SW COR LOT 1 NW ALG W/LN 100 TO RIVER E 15 SE 105 M/L TO S/LN LOT 1 SW 30.84 TO PO
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	CAPE LIVE OAK
Legal Block	1
Legal Lot Number	2,1-6
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1021
Census Tract	1103

Owner

240 SW Willow Lake Trl is owned and occupied by two individuals who bought it in December 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	240 SW WILLOW LAKE TRL, STUART, FL 34997-7425
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2008 · Amount on File
Deed Sale	Dec 29, 2008 · Amount on File
Prior Sale	Feb 2, 2007 · Amount on File
Deed Document Number	20082122405
Deed Book / Page	2365 / 2714
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 240 SW Willow Lake Trl was $8,364 with a homeowner's exemption, up 7.2% 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	$8,364.00 (+7.23%) Additional exemption filed	$503,636	$855,470 Land $570,000 Building $285,470
2024	$7,800.00 (+1.84%)
2023	$7,659.00 (+3.51%) Additional exemption filed	$475,188 (+3%)	$930,590 (+23.44%) Land $600,000 Building $330,590
2022	$7,399.00 Homeowner's exemption	$461,348	$753,910 Land $513,600 Building $240,310

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

Flood

FEMA maps place 240 SW Willow Lake Trl in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 186 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	218 units insured incl. 32 condo units
Nearby Flood Claims	170 (1979–2025)
Claims Outside the SFHA	25 of 170
Most Recent Claim	Oct 2025 · other causes
Claims by Event	Hurricane Frances, Sep 2004 · 75 claims Hurricane Irene, Oct 1999 · 18 claims Severe Flooding, Oct 1995 · 47 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

Wildfire risk around 240 SW Willow Lake Trl is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20