2977 SE Orchid St, Stuart, FL 34997 Property Records

Martin County property record for 2977 SE Orchid St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,322 sqft · built 1995
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on File
Last Sale	$88,900 (May 2000)
Tax Bill	$2,139 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`54-38-41-002-017-0022.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`54-38-41-002-017-0022.0-7-0000`
Alternative APNs	`54-38-41-002-017-00220-7` `43594`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,322 sqft Living Area
Gross Area	1,992 sqft
1st Floor Area	1,322 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Garage Type	Attached
Garage Area	318 sqft
Parking Spaces	1 Parking Space
Porch	Screened Concrete Masonry Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43594
Street Address	2977 SE ORCHID ST
City	STUART
State	FL
Zip	34997-7831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	HIBISCUS PARK SEC 3 LOT 22 BLK 17
Legal Range	41E
Legal Township	38S
Legal Section	54
Legal Subdivision	HIBISCUS PARK
Legal Block	17
Legal Lot Number	22
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1018
Census Tract	1107

Owner

2977 SE Orchid St is owned and occupied by two individuals who bought it in May 2000.

Source: Martin County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2977 SE ORCHID ST, STUART, FL 34997-7831
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage VELOCITY COMMUNITY FCU
Feb 15, 2018	Deed of Trust, Mortgage · Line of Credit VELOCITY COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2000 · Amount on File
Deed Sale	May 10, 2000 · Amount on File
Prior Sale	Jul 6, 1995
Deed Book / Page	1479 / 658
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2977 SE ORCHID ST, STUART, FL 34997-7831
Transaction Type	Mortgage
Record Updated	Nov 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032690681
Date	Nov 3, 2021
Book Page	3269/681
Instrument	2924151

Lender

Name	VELOCITY COMMUNITY FCU
Type	Credit Union
Address	WEST PALM BEACH, FL 33420

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 16, 2036

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2977 SE ORCHID ST, STUART, FL 34997-7831
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029751132
Date	Feb 15, 2018
Book Page	02975/1132
Instrument	2678990

Lender

Name	VELOCITY COMMUNITY FCU
Type	Credit Union
Address	WEST PALM BEACH, FL 33420

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 23, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2977 SE Orchid St was $2,139 with a homeowner's exemption, up 0.5% from the year before.

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	$2,139.00 (+0.47%) Additional exemption filed	$108,833	$321,180 Land $125,000 Building $196,180
2024	$2,129.00 (+2.65%)
2023	$2,074.00 (+3.34%) Additional exemption filed	$102,686 (+3%)	$302,050 (+14.65%) Land $120,000 Building $182,050
2022	$2,007.00 Homeowner's exemption	$99,696	$263,460 Land $110,000 Building $153,460

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2977 SE Orchid St 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 86 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	86 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

Wildfire risk around 2977 SE Orchid St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Blue Stream.

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