2855 SE Garden St, Stuart, FL 34997 Property Records

Martin County property record for 2855 SE Garden St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 598 sqft · built 1987
Lot Size	0.067 acres (2,919 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Sep 2023)
Tax Bill	$3,483 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37-38-41-007-108-0012.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`37-38-41-007-108-0012.0-5-0000`
Alternative APNs	`37-38-41-007-108-00120-5` `33925`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	598 sqft Living Area
1st Floor Area	598 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,919 sqft (0.067 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	33925
Street Address	2855 SE GARDEN ST
City	STUART
State	FL
Zip	34997-5224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3B
Legal Description	GOLDEN GATE LOT 12 BLK 108
Legal Range	41E
Legal Township	38S
Legal Section	37
Legal Subdivision	GOLDEN GATE
Legal Block	108
Legal Lot Number	12
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1033
Census Tract	1301

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	Individual Name on Record
Mailing Address	33 RIO VISTA DR, STUART, FL 34996-6423
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · FHA Mortgage THE PERPETUAL FINANCIAL GROUP INC
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME LENDING LLC
Mar 27, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jan 29, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Mar 27, 2019 · Amount on Record
Deed Document Number	20233034281
Deed Book / Page	3395 / 749
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2855 SE GARDEN ST, STUART, FL 34997-5224
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	PROGRESSIVE LAND TITLE AGENCY LI, PROGRESSIVE LAND TTL AGCY LT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2855 SE GARDEN ST, STUART, FL 34997-5224

Mortgage

Document Number	0035300975
Date	Oct 31, 2025
Book Page	3530/975
Instrument	3154411

Lender

Name	THE PERPETUAL FINANCIAL GROUP INC
Type	Mortgage Company
Address	SUWANEE, GA 30024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 6, 2023
Property Address	2855 SE GARDEN ST, STUART, FL 34997-5224
Document Number	0033950749
Book / Page	3395 / 749
Map Reference	MB 11 PG 41
Instrument Date	Aug 31, 2023
Instrument	3034281
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,169.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4300 SE SAINT LUCIE BLVD LOT 126, 126, STUART, FL 34997-6847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 RIO VISTA DR, STUART, FL 34996-6423

Mortgage

Document Number	0003395751
Date	Sep 6, 2023
Instrument	3395/751

Lender

Name	INTEGRITY HOME LENDING LLC
Type	Mortgage Company

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 27, 2019
Property Address	2855 SE GARDEN ST, STUART, FL 34997-5224
Document Number	0030482366
Book / Page	003048 / 002366
Instrument Date	Mar 20, 2019
Instrument	2745859
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4300 SE SAINT LUCIE BLVD #126 STUART FL 349976847, 126, STUART, FL 34997-6847

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 29, 2019
Property Address	2855 SE GARDEN ST, STUART, FL 34997-5224
Document Number	0030382337
Book / Page	003038 / 002337
Instrument Date	Jan 11, 2019
Instrument	2736296
Transaction Type	Transfer
Record Updated	Feb 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$455.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	6525 SE FEDERAL HWY STUART FL 349978330, STUART, FL 34997-8330

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	$3,483.00 (+5.39%)	$149,006 (+42.89%)	$155,350 (+10.07%) Land $108,750 Building $46,600
2024	$3,305.00 (+9.58%)
2023	$3,016.00 (+9.55%)	$104,277 (+1%)	$141,140 (+20.56%) Land $101,250 Building $39,890
2022	$2,753.00	$94,798	$117,070 Land $83,250 Building $33,820

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

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1995–2008)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2008 · Tropical Storm Fay
Claims by Event	Tropical Storm Fay, Aug 2008 · 2 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	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 317 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

May also be available: Blue Stream, Hotwire Communications, T-Mobile.

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