2866 SE Dune Dr, Stuart, FL 34996 Property Records

Martin County property record for 2866 SE Dune Dr, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,416 sqft · built 1991
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,675,000 (May 2023)
Tax Bill	$23,881 (2025)
Deeds & Mortgages	Aug 2023 Mortgage May 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-38-42-005-001-0003.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`16-38-42-005-001-0003.0-5-0000`
Alternative APNs	`16-38-42-005-001-00030-5` `46073`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,416 sqft Living Area
Gross Area	4,048 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,801 sqft (0.225 acres)
View / Lot	Zero Lot Line
Garage Type	Attached
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Slab
Porch Area	830 sqft
Patio Area	552 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2866 SE DUNE DR
City	STUART
State	FL
Zip	34996-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	SAILFISH POINT PLAT 29 LOT 3 BLK A
Legal Range	42E
Legal Township	38S
Legal Section	16
Legal Subdivision	SAILFISH POINT
Legal Block	A
Legal Lot Number	3
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1002
Census Tract	100

Owner

Source: Martin County records, as of August 12, 2026

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	41 SAINT GEORGES SQ, BUFFALO, NY 14222-2036
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
May 22, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 24, 2017	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Sep 23, 2004 · Amount on Record
Deed Document Number	20233017226
Deed Book / Page	3375 / 2202
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2866 SE DUNE DR, STUART, FL 34996-4937
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 SAINT GEORGES SQ, BUFFALO, NY 14222-2036

Mortgage

Document Number	0033920825
Date	Aug 18, 2023
Book Page	3392/825
Instrument	3031701

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.5%
Index	1-Year T-Bill
Max Rate	11.5%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 22, 2023
Property Address	2866 SE DUNE DR, STUART, FL 34996-4937
Document Number	0033752202
Book / Page	3375 / 2202
Map Reference	MB 12 PG 36
Instrument Date	May 10, 2023
Instrument	3017226
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$11,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 MICHIGAN ST, SANDPOINT, ID 83864-1799

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41ST GEORGE SQUARE, BUFFALO, NY 14222

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2866 SE DUNE DR, STUART, FL 34996-4937
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2866 SE DUNE DR, SEWALLS POINT, FL 34996-4937

Mortgage

Document Number	0032631418
Date	Oct 12, 2021
Book Page	3263/1418
Instrument	2919474

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Sep 8, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2866 SE DUNE DR, STUART, FL 34996-4937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029200801
Date	Apr 24, 2017
Book Page	02920/0801
Instrument	2631046

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	215 Months
Due	Mar 17, 2035

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	$23,881.00 (-4.4%)	$1,467,090 (+33.9%) Land $700,000 Building $767,090	$1,467,090 (+33.9%) Land $700,000 Building $767,090
2024	$24,979.00 (+32.01%)
2023	$18,922.00 (+64.08%)	$1,095,670 (+56.42%) Land $600,000 Building $495,670	$1,095,670 (+5.63%) Land $600,000 Building $495,670
2022	$11,532.00 Homeowner's exemption	$700,483	$1,037,240 Land $600,000 Building $437,240

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
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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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