2829 SW Montego Ter, Stuart, FL 34997 Property Records

Martin County property record for 2829 SW Montego Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,485 sqft · built 2001
Lot Size	0.152 acres (6,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Aug 2025)
Tax Bill	$5,255 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-39-40-002-058-0018.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`12-39-40-002-058-0018.0-0-0000`
Alternative APNs	`12-39-40-002-058-00180-0` `146504`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,485 sqft Living Area
Gross Area	1,925 sqft
1st Floor Area	1,485 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,621 sqft (0.152 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2829 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 17 = E 10 OF LOT 18 & ALL OF LOT 19 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	18,19
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	1
Census Block	1006
Census Tract	1702

Owner

Source: Martin County records, as of September 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2829 SW MONTEGO TER, STUART, FL 34997-1203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Prior Sale	Nov 29, 2022 · Amount on Record
Prior Transfer Date	Aug 4, 2015
Prior Transfer Doc	0028011050
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 29, 2022
Property Address	2829 SW MONTEGO TER, STUART, FL 34997-1203
Document Number	0033480221
Book / Page	3348 / 221
Map Reference	MB 12 PG 48
Instrument Date	Nov 28, 2022
Instrument	2991392
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	SOUTH FL TTL INS OF PALM BEA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	778 E CHADDS FORD LN APT 10, 10, MIDVALE, UT 84047-4473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2829 SW MONTEGO TER, STUART, FL 34997-1203

Mortgage

Document Number	0033480224
Date	Nov 29, 2022
Book Page	3348/224
Instrument	2991393

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

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		$344,012 (+5.99%)	$357,410 (+10.11%) Land $145,000 Building $212,410
2024	$5,255.00 (+2.08%)
2023	$5,148.00 (+115.58%) Additional exemption filed	$324,580 (+102.67%) Land $130,000 Building $194,580	$324,580 (+20.55%) Land $130,000 Building $194,580
2022	$2,388.00 Homeowner's exemption	$160,153	$269,260 Land $111,650 Building $157,610

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Drinking Water

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

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	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.

Internet Providers

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