Martin County property record for 2856 SW Montego Ter, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,870 sqft · built 2001 |
| Lot Size | 0.152 acres (6,621 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $263,000 (Jun 2007) |
| Tax Bill | $2,542 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2022 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-39-40-002-051-0009.0-0-0000 |
| Primary APN | 12-39-40-002-051-0009.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,870 sqft Living Area |
| Gross Area | 2,270 sqft |
| 1st Floor Area | 1,870 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 146475 |
|---|---|
| Street Address | 2856 SW MONTEGO TER |
| City | STUART |
| State | FL |
| Zip | 34997-1202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT |
| Legal Description | REVISED PARCEL 8 = W 30 OF LOT 9 & E 30 OF LOT 10 BLK 51 ST LUCIE FALLS |
| Legal Range | 40E |
| Legal Township | 39S |
| Legal Section | 12 |
| Legal Subdivision | ST LUCIE FALLS (AKA RIVER FOREST) |
| Legal Block | 51 |
| Legal Lot Number | 9,10 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | INDIANTOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 1702 |
2856 SW Montego Ter is owned and occupied by two individuals who bought it in June 2007.
Source: Martin County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| 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 |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION |
| Jul 12, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GULF WINDS FCU |
| Aug 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 4, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Aug 25, 2017 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2007 · Amount on File |
| Deed Sale | Jun 4, 2007 · Amount on File |
| Prior Sale | Jun 4, 2007 |
| Deed Document Number | 20072017558 |
| Deed Book / Page | 2253 / 1194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Jun 26, 2026 |
| Property Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Document Number | 0003193025 |
| Book / Page | 3575 / 2217 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20263193025 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Document Number | 0003193025, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 3575/2217 |
| Instrument | 20263193025 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.85% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Document Number | 0033240884 |
|---|---|
| Date | Jul 12, 2022 |
| Book Page | 3324/884 |
| Instrument | 2970226 |
| Name | GULF WINDS FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32534 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 145 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Document Number | 0032482451 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 3248/2451 |
| Instrument | 2908206 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Document Number | 0031710155 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 3171/155 |
| Instrument | 2848014 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Document Number | 0030732022 |
| Instrument Date | Jul 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2856 SW MONTEGO TER STUART FL 349971202, STUART, FL 34997-1202 |
| Document Number | 0030732022 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | 003073/002022 |
| Instrument | 2767213 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2856 SW MONTEGO TER, STUART, FL 34997-1202 |
| Document Number | 0029470332 |
| Book / Page | 002947 / 000332 |
| Instrument Date | Aug 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2856 SW MONTEGO TER STUART FL 349971202, STUART, FL 34997-1202 |
| Document Number | 0029470332 |
|---|---|
| Date | Sep 5, 2017 |
| Book Page | 002947/000332 |
| Instrument | 2654169 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2047 |
The 2025 property tax bill for 2856 SW Montego Ter was $2,542 with a homeowner's exemption, down 0.1% 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 | $2,542.00 (-0.08%) Additional exemption filed | $174,098 | $393,350 Land $145,000 Building $248,350 |
| 2024 | $2,544.00 (+2.79%) | ||
| 2023 | $2,475.00 (+5.54%) Additional exemption filed | $164,265 (+4.24%) | $357,490 (+21.92%) Land $130,000 Building $227,490 |
| 2022 | $2,345.00 Homeowner's exemption | $157,578 | $293,210 Land $111,650 Building $181,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2856 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 2856 SW Montego Ter is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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