2884 SW Montego Ter, Stuart, FL 34997 Property Records

Martin County property record for 2884 SW Montego Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,485 sqft · built 2001
Lot Size	0.148 acres (6,447 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Feb 2016)
Tax Bill	$3,555 (2025)
Deeds & Mortgages	Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-39-40-002-051-0011.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`12-39-40-002-051-0011.0-0-0000`
Alternative APNs	`12-39-40-002-051-00110-0` `146477`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,485 sqft Living Area
Gross Area	1,925 sqft
1st Floor Area	1,485 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	6,447 sqft (0.148 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	146477
Street Address	2884 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 10 = W 10 OF LOT 11 & ALL OF LOT 12 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	11,12
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	Individual Name on Record
Mailing Address	2884 SW MONTEGO TER, STUART, FL 34997-1202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2016 · Amount on Record
Deed Sale	Feb 1, 2016 · Amount on Record
Prior Sale	May 8, 2014 · Amount on Record
Deed Document Number	20162556551
Deed Book / Page	2832 / 2503
Last Transfer Date	Oct 27, 2022
Transfer Doc	0034181023
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Feb 2, 2024
Property Address	2884 SW MONTEGO TER, STUART, FL 34997-1202
Document Number	0034181023
Book / Page	3418 / 1023
Map Reference	MB 12 PG 48
Instrument Date	Oct 27, 2022
Instrument	3056151
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1271 SE PARKVIEW PL # PLH11, PLH11, STUART, FL 34994-5411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2884 SW MONTEGO TER, STUART, FL 34997-1202

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	$3,555.00 (-0.42%) Homeowner's exemption	$238,378 (-13.71%)	$360,690 (+10.11%) Land $145,000 Building $215,690
2024	$3,570.00 (-17.78%)
2023	$4,342.00 (+29.38%) Additional exemption filed	$276,246 (+26.51%)	$327,580 (+20.45%) Land $130,000 Building $197,580
2022	$3,356.00 Homeowner's exemption	$218,363	$271,970 Land $111,650 Building $160,320

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