249 SW Otter Run Pl, Stuart, FL 34997 Property Records

Martin County property record for 249 SW Otter Run Pl, Stuart, FL 34997

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,164 sqft · built 2007
Lot Size	0.071 acres (3,093 sqft)
Owner	2 Individual Names on File
Last Sale	$352,000 (Mar 2022)
Tax Bill	$5,093 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-38-41-006-000-0092.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-006-000-0092.0-0-0000`
Alternative APNs	`41-38-41-006-000-00920-0` `188960`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,660 sqft
1st Floor Area	874 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	3,093 sqft (0.071 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	188960
Street Address	249 SW OTTER RUN PL
City	STUART
State	FL
Zip	34997-3045
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUDR
Legal Description	LOT 92 PH 1 WHITEMARSH RESERVE PUD (PB 16 PG 5)
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	WHITEMARSH RESERVE
Legal Block	2
Legal Lot Number	92
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2001
Census Tract	1103

Owner

249 SW Otter Run Pl, a townhouse, is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	249 SW OTTER RUN PL, STUART, FL 34997-3045
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
Mar 16, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Mar 3, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Apr 17, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Apr 28, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Apr 28, 2017 · Amount on File
Deed Document Number	20222948743
Deed Book / Page	3300 / 632
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 16, 2022
Property Address	249 SW OTTER RUN PL, STUART, FL 34997-3045
Document Number	0033000632
Book / Page	3300 / 632
Map Reference	MB 16 PG 5
Instrument Date	Mar 10, 2022
Instrument	2948743
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	FLORIDA TITLE AND GUARANTEE AGENCY, FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,464.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 RIVERVIEW DR, 33, COHASSET, MA 02025-1539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 SW OTTER RUN PL, STUART, FL 34997-3045

Mortgage

Document Number	0003300635
Date	Mar 16, 2022
Instrument	3300/635

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	249 SW OTTER RUN PL, STUART, FL 34997-3045
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032022782
Date	Mar 3, 2021
Book Page	3202/2782
Instrument	2872034

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	249 SW OTTER RUN PL, STUART, FL 34997-3045
Document Number	0031250001
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 SW OTTER RUN PL STUART FL 349973045, STUART, FL 34997-3045

Mortgage

Document Number	0031250001
Date	Apr 22, 2020
Book Page	003125/000001
Instrument	2811049

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 28, 2017
Property Address	249 SW OTTER RUN PL, STUART, FL 34997-3045
Document Number	0029211060
Book / Page	002921 / 001060
Instrument Date	Apr 20, 2017
Instrument	2631974
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,729.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	249 SW OTTER RUN PL STUART FL 349973045, STUART, FL 34997-3045

Mortgage

Document Number	29211063
Date	Apr 28, 2017
Book Page	002921/001063
Instrument	2631975

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 249 SW Otter Run Pl was $5,093 with a homeowner's exemption, down 1.7% 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	$5,093.00 (-1.7%) Additional exemption filed	$364,870 Land $100,000 Building $264,870	$364,870 Land $100,000 Building $264,870
2024	$5,181.00 (-1.01%)
2023	$5,234.00 (+63.97%) Additional exemption filed	$354,460 (+52.48%) Land $95,000 Building $259,460	$354,460 (+21.38%) Land $95,000 Building $259,460
2022	$3,192.00 Homeowner's exemption	$232,456	$292,020 Land $55,000 Building $237,020

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

Flood

FEMA maps place 249 SW Otter Run Pl in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force

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 249 SW Otter Run Pl is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 401 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

May also be available: Hotwire Communications.

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