2954 SE Garden St, Stuart, FL 34997 Property Records

Martin County property record for 2954 SE Garden St, Stuart, FL 34997

Property Summary

Property Type	Duplex
Details	built 2025
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Jun 2025)
Tax Bill	$1,634 (2025)
Deeds & Mortgages	Jun 2025 Sale Jun 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-38-41-007-138-0001.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`37-38-41-007-138-0001.0-5-0000`
Alternative APNs	`37-38-41-007-138-00010-5` `34015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	2 Units
Stories	1 Story
Building Area	1,491 sqft Living Area
Gross Area	1,701 sqft
1st Floor Area	1,491 sqft
Elevator	Elevator

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,356 sqft (0.1 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	210 sqft
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34015
Street Address	2954 SE GARDEN ST
City	STUART
State	FL
Zip	34997-5227
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3B
Legal Description	ALL OF LOT 1 AND THE S 1/2 LOT 3 BLK 138 GOLDEN GATE PB 11/41 MARTIN CO AND THE N 1/2 OF THE CLOSED ALLEY WAY ADJ TO THE S
Legal Range	41E
Legal Township	38S
Legal Section	37
Legal Subdivision	GOLDEN GATE
Legal Block	138
Legal Lot Number	1,3
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1035
Census Tract	1301

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	855 SE 16TH ST, STUART, FL 34994-4031
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 29, 2023	Warranty Deed, Transfer PATCH REEF TITLE COMPANY INC
Dec 7, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 6, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 7, 2018	Warranty Deed, Transfer · Conventional Mortgage JOANNA SHRAGER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2025 · Amount on Record
Deed Sale	Jun 26, 2025 · Amount on Record
Prior Sale	Jun 29, 2023 · Amount on Record
Deed Document Number	20253134894
Deed Book / Page	3506 / 1958
Prior Transfer Date	Mar 23, 2020
Prior Transfer Doc	0031202388
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 26, 2025
Property Address	2954 SE GARDEN ST, STUART, FL 34997-5227
Document Number	0035061958
Book / Page	3506 / 1958
Map Reference	MB 11 PG 41
Instrument Date	Jun 25, 2025
Instrument	3134894
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	790 SE TRAMMELL TRCE, STUART, FL 34997-1534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 SE 16TH ST, STUART, FL 34994-4031

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 29, 2023
Property Address	2954 SE GARDEN ST, STUART, FL 34997-5227
Document Number	0033822554
Book / Page	3382 / 2554
Map Reference	MB 11 PG 41
Instrument Date	Jun 28, 2023
Instrument	3023517
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	PATCH REEF TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$735.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2651 SE JANET ST, STUART, FL 34997-6677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	790 SE TRAMMELL TRCE, STUART, FL 34997-1534

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 7, 2021
Property Address	2954 SE GARDEN ST, STUART, FL 34997-5227
Document Number	0032771530
Book / Page	3277 / 1530
Map Reference	MB 11 PG 41
Instrument Date	Dec 6, 2021
Instrument	2930346
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	340 PIKE RD, ROYAL PALM BEACH, FL 33411-3837

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2785 SE CARROLL ST, STUART, FL 34997-6619
Investor	Possibly a Property Investor

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 6, 2020
Property Address	2954 SE GARDEN ST, STUART, FL 34997-5227
Document Number	0031040569
Book / Page	003104 / 000569
Instrument Date	Jan 3, 2020
Instrument	2793439
Transaction Type	Transfer
Record Updated	Feb 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$161.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	340 PIKE RD ROYAL PALM BEACH FL 334113837, ROYAL PALM BEACH, FL 33411-3837

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Feb 7, 2018
Property Address	2954 SE GARDEN ST, STUART, FL 34997-5227
Document Number	0029732699
Book / Page	002973 / 002699
Instrument Date	Jan 22, 2018
Instrument	2677615
Transaction Type	Transfer
Record Updated	Feb 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5343 NW ALAM CIR FORT PIERCE FL 349863530, FORT PIERCE, FL 34986-3530

Mortgage

Document Number	29732701
Date	Feb 7, 2018
Book Page	002973/002701
Instrument	2677616

Lender

Name	JOANNA SHRAGER
Address	41 HORSESHOE LN, NYACK, NY 10960
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,634.00 (-19.55%)	$46,750 (+10.39%)	$97,500 (+3%) Land $97,500
2024	$2,031.00 (+32.4%)
2023	$1,534.00 (+20.13%)	$42,350 (+1%)	$75,000 (+93.05%) Land $75,000
2022	$1,277.00	$38,500	$38,850 Land $38,850

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1995–2008)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Aug 2008 · Tropical Storm Fay
Claims by Event	Tropical Storm Fay, Aug 2008 · 2 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	MARTIN CO UTILITIES serves 104,105 people · EPA ID FL4431891
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Blue Stream, Hotwire Communications, T-Mobile.

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