2846 SE Dune Dr, Stuart, FL 34996 Property Records

Martin County property record for 2846 SE Dune Dr, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,787 sqft · built 1991
Lot Size	0.403 acres (17,555 sqft)
Owner	Individual Name on Record
Last Sale	$2,325,000 (May 2023)
Tax Bill	$29,664 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-38-42-005-001-00010-9`

Property Details

APN / Parcel Number

Primary APN	`16-38-42-005-001-00010-9`
Alternative APN	`46071`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,787 sqft Living Area
1st Floor Area	2,787 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Masonite/Cement Shake
Lot Area	17,555 sqft (0.403 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Pool Area	392 sqft
Porch	Porch
Porch Area	511 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	46071
Street Address	2846 SE DUNE DR
City	STUART
State	FL
Zip	34996-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAILFISH POINT PLAT 29 LOT 1 BLK A
Legal Range	42E
Legal Township	38S
Legal Section	16
Legal Subdivision	SAILFISH POINT
Legal Block	A
Legal Lot Number	1
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1002
Census Tract	100

Owner

Source: Martin County records, as of December 24, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1 CUTTER CT, MARBLEHEAD, MA 01945-3813
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Jan 17, 2014 · Amount on Record
Deed Document Number	0033741041
Deed Book / Page	3374 / 1041
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 12, 2023
Property Address	2846 SE DUNE DR, STUART, FL 34996-4937
Document Number	0033741041
Book / Page	3374 / 1041
Map Reference	MB 12 PG 36
Instrument Date	May 10, 2023
Instrument	3015869
Transaction Type	Transfer
Record Updated	Jun 5, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22870 TREE TOP CT, SOUTH LYON, MI 48178-9445

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CUTTER CT, MARBLEHEAD, MA 01945-3813

Mortgage

Document Number	0033741044
Date	May 12, 2023
Instrument	3374/1044

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: Martin County assessment roll, as of July 1, 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		$1,934,812 (+113.26%)	$2,003,440 (+93.47%) Land $875,000 Building $1,128,440
2024	$29,664.00 (+79.75%)
2023	$16,503.00 (+7.79%)	$907,270 (+1%)	$1,035,530 (+4.64%) Land $621,000 Building $414,530
2022	$15,311.00	$824,791	$989,610 Land $621,000 Building $368,610

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 390 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,299 units insured incl. 909 condo units
Nearby Flood Claims	70 (1984–2023)
Claims Outside the SFHA	6 of 70
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Oct 2004 · 44 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% 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	SAILFISH POINT private · serves 1,145 people · EPA ID FL4434000
Water Source	Groundwater
Last State Inspection	Mar 2024
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	16 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20