Martin County property record for 2801 SW Montego Ter, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,625 sqft · built 2001 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $257,500 (May 2017) |
| Tax Bill | $3,796 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-39-40-002-058-0021.0-0-0000 |
| Primary APN | 12-39-40-002-058-0021.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,625 sqft Living Area |
| Gross Area | 2,117 sqft |
| 1st Floor Area | 1,625 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,621 sqft (0.152 acres) |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Concrete Masonry Porch |
| Porch Area | 123 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 146506 |
|---|---|
| Street Address | 2801 SW MONTEGO TER |
| City | STUART |
| State | FL |
| Zip | 34997-1203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT |
| Legal Description | REVISED PARCEL 19 = E 40 OF LOT 21 & W 20 OF LOT 22 BLK 58 ST LUCIE FALLS |
| Legal Range | 40E |
| Legal Township | 39S |
| Legal Section | 12 |
| Legal Subdivision | ST LUCIE FALLS (AKA RIVER FOREST) |
| Legal Block | 58 |
| Legal Lot Number | 21,22 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | INDIANTOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 1702 |
2801 SW Montego Ter is owned and occupied by an individual who bought it in May 2017.
Source: Martin County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2801 SW MONTEGO TER, STUART, FL 34997-1203 |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| May 1, 2017 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2017 · Amount on File |
| Deed Sale | May 1, 2017 · Amount on File |
| Prior Sale | Aug 23, 2004 · Amount on File |
| Deed Document Number | 20172632488 |
| Deed Book / Page | 2921 / 2740 |
| Prior Transfer Date | Dec 14, 2001 |
| Prior Transfer Doc | 0001551451 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Aug 18, 2026 |
| Property Address | 2801 SW MONTEGO TER, STUART, FL 34997-1203 |
| Document Number | 0003201236 |
| Book / Page | 3585 / 2486 |
| Instrument Date | Aug 12, 2026 |
| Instrument | 20263201236 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2801 SW MONTEGO TER, STUART, FL 34997-1203 |
| Document Number | 0003201236, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 3585/2486 |
| Instrument | 20263201236 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2801 SW MONTEGO TER, STUART, FL 34997-1203 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2801 SW MONTEGO TER, STUART, FL 34997-1203 |
| Document Number | 0032441468 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 3244/1468 |
| Instrument | 2904700 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | May 1, 2017 |
| Property Address | 2801 SW MONTEGO TER, STUART, FL 34997-1203 |
| Document Number | 0029212740 |
| Book / Page | 02921 / 2740 |
| Map Reference | MB12 PG48 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 2632488 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | TROPICAL LAND TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,802.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2801 SW MONTEGO TER, 2801, STUART, FL 34997-1203 |
| Name | Verified Name |
|---|---|
| Address | 2801 SW MONTEGO TER, STUART, FL 34997-1203 |
| Document Number | 0002632489 |
|---|---|
| Date | May 1, 2017 |
| Instrument | 2632489 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 2801 SW Montego Ter was $3,796 with a homeowner's exemption, down 0.4% from the year before.
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,796.00 (-0.45%) Homeowner's exemption | $253,619 | $368,520 Land $145,000 Building $223,520 |
| 2024 | $3,813.00 (+2.33%) | ||
| 2023 | $3,726.00 (+3.85%) Additional exemption filed | $239,294 (+3%) | $334,750 (+20.86%) Land $130,000 Building $204,750 |
| 2022 | $3,588.00 Homeowner's exemption | $232,325 | $276,970 Land $111,650 Building $165,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2801 SW Montego Ter in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 74 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 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 risk around 2801 SW Montego Ter is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. LUCIE FALLS private · serves 499 people · EPA ID FL4434014 |
|---|---|
| Water Source | Purchased groundwater from MARTIN CO UTILITIES |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
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 | 11 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.
Source: FCC Broadband Data Collection, based on 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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