Martin County property record for 2912 SW Montego Ter, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,870 sqft · built 2000 |
| Lot Size | 0.124 acres (5,401 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Aug 2021) |
| Tax Bill | $5,178 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit May 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-39-40-002-050-0001.0-0-0000 |
| Primary APN | 12-39-40-002-050-0001.0-0-0000 |
|---|---|
| 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 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,401 sqft (0.124 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 180 sqft |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 139624 |
|---|---|
| Street Address | 2912 SW MONTEGO TER |
| City | STUART |
| State | FL |
| Zip | 34997-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RT |
| Legal Description | ST LUCIE FALLS ALL LOT 1 BLK 50 (LESS SLY 2.55) |
| Legal Range | 40E |
| Legal Township | 39S |
| Legal Section | 12 |
| Legal Subdivision | ST LUCIE FALLS (AKA RIVER FOREST) |
| Legal Block | 50 |
| Legal Lot Number | 1 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | INDIANTOWN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 1702 |
2912 SW Montego Ter is owned and occupied by two individuals who acquired it in January 2025.
Source: Martin County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Oct 10, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 28, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Aug 31, 2021 | Intrafamily Transfer, Transfer SIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS |
| Aug 6, 2021 | Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2021 · Amount on File |
| Deed Sale | Aug 6, 2021 · Amount on File |
| Prior Sale | Apr 2, 2013 · Amount on File |
| Deed Document Number | 20212906750 |
| Deed Book / Page | 3247 / 665 |
| Last Transfer Date | Jan 14, 2025 |
| Transfer Doc | 0034781215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Document Number | 0035261054 |
|---|---|
| Date | Oct 10, 2025 |
| Book Page | 3526/1054 |
| Instrument | 3151025 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 7, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2912 SW MONTERGO TER, STUART, FL 34997-1204 |
| Document Number | 0034390810 |
|---|---|
| Date | May 28, 2024 |
| Book Page | 3439/810 |
| Instrument | 3074372 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 19, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Aug 31, 2021 |
| Property Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Document Number | 0032530932 |
| Book / Page | 3253 / 932 |
| Map Reference | MB 12 PG 48 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2911592 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Title Company | SIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 264 SW PITTS TERRACE, 264, STUART, FL 34997 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Aug 6, 2021 |
| Property Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Document Number | 0032470665 |
| Book / Page | 3247 / 665 |
| Map Reference | MB 12 PG 48 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2906750 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Title Company | SIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 264 SW PITTS TERRACE, 264, STUART, FL 34997 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2912 SW MONTEGO TER, STUART, FL 34997-1204 |
| Document Number | 3247668 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 3247/668 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 2912 SW Montego Ter was $5,178, down 0.7% 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 | $5,178.00 (-0.65%) | $341,340 | $413,870 Land $145,000 Building $268,870 |
| 2024 | $5,212.00 (+2.08%) | ||
| 2023 | $5,106.00 (+3.68%) Additional exemption filed | $322,060 (+3%) | $377,240 (+20.65%) Land $130,000 Building $247,240 |
| 2022 | $4,925.00 Homeowner's exemption | $312,680 Land $111,650 Building $201,030 | $312,680 Land $111,650 Building $201,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2912 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 2912 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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