2871 SW Montego Ter, Stuart, FL 34997 Property Records

Martin County property record for 2871 SW Montego Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,078 sqft · built 2001
Lot Size	0.204 acres (8,886 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Mar 2015)
Tax Bill	$4,058 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-39-40-002-058-0015.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`12-39-40-002-058-0015.0-0-0000`
Alternative APNs	`12-39-40-002-058-00150-0` `146501`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,078 sqft Living Area
Gross Area	2,478 sqft
1st Floor Area	2,078 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

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	8,886 sqft (0.204 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	146501
Street Address	2871 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 14 = LOT 15 & W 20 OF LOT 16 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	15,16
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 29, 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	2871 SW MONTEGO TER, STUART, FL 34997-1203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2015 · Amount on Record
Deed Sale	Mar 19, 2015 · Amount on Record
Prior Sale	Jan 7, 2002 · Amount on Record
Deed Document Number	20152504834
Deed Book / Page	2772 / 1850
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2871 SW MONTEGO TER, STUART, FL 34997-1203
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2871 SW MONTEGO TER, STUART, FL 34997-1203

Mortgage

Document Number	0032002469
Date	Feb 24, 2021
Book Page	3200/2469
Instrument	2870424

Lender

Name	KLOZE MORTGAGE CORP
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33304

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$4,058.00 (-0.49%) Additional exemption filed	$270,232 (+5.99%)	$417,240 (+9.86%) Land $145,000 Building $272,240
2024	$4,078.00 (+2.28%)
2023	$3,987.00 (+3.77%) Additional exemption filed	$254,968 (+3%)	$379,790 (+21.23%) Land $130,000 Building $249,790
2022	$3,842.00 Homeowner's exemption	$247,542	$313,270 Land $111,650 Building $201,620

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
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	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.

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