265 SE Cardinal Trl, Stuart, FL 34997 Property Records

Martin County property record for 265 SE Cardinal Trl, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,948 sqft · built 1987
Lot Size	0.337 acres (14,680 sqft)
Owner	2 Company Names on Record
Last Sale	$699,000 (Jan 2023)
Tax Bill	$9,474 (2025)
Deeds & Mortgages	Jan 2023 Sale Jun 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-39-41-003-000-0047.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`04-39-41-003-000-0047.0-2-0000`
Alternative APNs	`04-39-41-003-000-00470-2` `60643`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,948 sqft Living Area
Gross Area	2,668 sqft
1st Floor Area	1,328 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,680 sqft (0.337 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	161 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	60643
Street Address	265 SE CARDINAL TRL
City	STUART
State	FL
Zip	34997-7303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	SOUTH RIVER COLONY UNREC LOT 47 OR 332/1267
Legal Range	41E
Legal Township	39S
Legal Section	4
Legal Subdivision	SOUTH RIVER COLONY
Legal Block	2
Legal Lot Number	47
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2022
Census Tract	1108

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	2 Company Names on Record
Mailing Address	265 SE CARDINAL TRL, STUART, FL 34997-7303
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Warranty Deed, Transfer ATTORNEY
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Prior Sale	Jan 12, 2015 · Amount on Record
Deed Document Number	20232996590
Deed Book / Page	3353 / 1832
Prior Transfer Date	Jun 16, 1995
Prior Transfer Doc	1127002215
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 5, 2023
Property Address	265 SE CARDINAL TRL, STUART, FL 34997-7303
Document Number	0033531832
Book / Page	3353 / 1832
Map Reference	MB 337 PG 2114
Instrument Date	Jan 3, 2023
Instrument	2996590
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$4,893.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11950 SW KNIGHTSBRIDGE LN, PORT SAINT LUCIE, FL 34987-2728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	265 SE CARDINAL TRL, STUART, FL 34997-7303

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	265 SE CARDINAL TRL, STUART, FL 34997-7303
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 SE CARDINAL TRL, STUART, FL 34997-7303

Mortgage

Document Number	0033182831
Date	Jun 13, 2022
Book Page	3318/2831
Instrument	2965356

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	265 SE CARDINAL TRL, STUART, FL 34997-7303
Document Number	0030780500
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	265 SE CARDINAL TRL STUART FL 349977303, STUART, FL 34997-7303

Mortgage

Document Number	0030780500
Date	Aug 21, 2019
Book Page	003078/000500
Instrument	2771183

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 20, 2034

Tax Assessment & Valuation

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	$9,474.00 (-5.54%) Additional exemption filed	$613,840 (+103.31%) Land $245,000 Building $368,840	$613,840 (+18.07%) Land $245,000 Building $368,840
2024	$10,030.00 (+110.27%)
2023	$4,770.00 (+3.7%) Additional exemption filed	$301,925 (+3%)	$519,880 (+9.03%) Land $245,000 Building $274,880
2022	$4,600.00 Homeowner's exemption	$293,132	$476,810 Land $249,900 Building $226,910

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.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 247 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	SOUTH FORK HOMEOWNER UTIL CORP private · serves 200 people · EPA ID FL4430484
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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