2978 SE Normand St, Stuart, FL 34997 Property Records

Martin County property record for 2978 SE Normand St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 915 sqft · built 1955
Lot Size	0.286 acres (12,458 sqft)
Owner	Company Name on Record
Last Sale	$315,000 (Nov 2025)
Tax Bill	$5,379 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2025 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`37-38-41-006-013-0007.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`37-38-41-006-013-0007.0-8-0000`
Alternative APNs	`37-38-41-006-013-00070-8` `33391`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	915 sqft Living Area
1st Floor Area	915 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	12,458 sqft (0.286 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC

Location & Zoning

Account Number	33391
Street Address	2978 SE NORMAND ST
City	STUART
State	FL
Zip	34997-5168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3B
Legal Description	GOLDEN GATE PARK LOTS 7 & 9 BLK 13
Legal Range	41E
Legal Township	38S
Legal Section	37
Legal Subdivision	GOLDEN GATE
Legal Block	13
Legal Lot Number	7,9
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1002
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	Company Name on Record
Mailing Address	10650 S US HIGHWAY 1, PORT SAINT LUCIE, FL 34952-6402
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE INC
Nov 14, 2025	Warranty Deed, Construction Loan · Construction Mortgage ARTHUR MOGAVERO
Dec 5, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage GKC INTERNATIONAL INC
Aug 16, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Jun 6, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Dec 5, 2023 · Amount on Record
Deed Document Number	20253156613
Deed Book / Page	3533 / 81
Prior Transfer Date	Jul 21, 2022
Prior Transfer Doc	0033302539
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	May 28, 2026
Property Address	2978 SE NORMAND ST, STUART, FL 34997-5168
Document Number	0003188133
Book / Page	3569 / 1699
Instrument Date	May 27, 2026
Instrument	20263188133
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	17 N RIVER RD, STUART, FL 34996-6631

Mortgage

Document Number	0003188133,
Date	May 28, 2026
Book Page	3569/1699
Instrument	20263188133

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 14, 2025
Property Address	2978 SE NORMAND ST, STUART, FL 34997-5168
Document Number	0035330081
Book / Page	3533 / 81
Map Reference	MB 1 PG 50
Instrument Date	Nov 12, 2025
Instrument	3156613
Transaction Type	Construction Loan
Record Updated	Dec 4, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	582 SW CHERRYHILL RD, PORT SAINT LUCIE, FL 34953-6200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10650 S US HIGHWAY 1, PORT SAINT LUCIE, FL 34952-6402

Mortgage

Document Number	0000353384
Date	Nov 14, 2025
Instrument	3533/84

Lender

Name	ARTHUR MOGAVERO
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 12, 2028

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 5, 2023
Property Address	2978 SE NORMAND ST, STUART, FL 34997-5168
Document Number	0034092515
Book / Page	3409 / 2515
Map Reference	MB 1 PG 50
Instrument Date	Nov 7, 2023
Instrument	3047864
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	365 PARK FOREST WAY, WELLINGTON, FL 33414-4976

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	582 SW CHERRYHILL RD, PORT SAINT LUCIE, FL 34953-6200

Mortgage

Document Number	0034092517
Date	Dec 5, 2023
Book Page	3409/2517
Instrument	3047865

Lender

Name	GKC INTERNATIONAL INC
Type	Non-Lending Institution
Address	LAKE GEORGE, NY 12845

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Sep 1, 2024

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 16, 2022
Property Address	2978 SE NORMAND ST, STUART, FL 34997-5168
Document Number	0033302539
Book / Page	3330 / 2539
Map Reference	MB 1 PG 50
Instrument Date	Jul 21, 2022
Instrument	2975957
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7590 SE RAVISSANT DR, STUART, FL 34997-2839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 PARK FOREST WAY, WELLINGTON, FL 33414-4976

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 6, 2022
Property Address	2978 SE NORMAND ST, STUART, FL 34997-5168
Document Number	0033171244
Book / Page	3317 / 1244
Map Reference	MB 1 PG 50
Instrument Date	May 31, 2022
Instrument	2963990
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2978 SE NORMAND ST, 2978, STUART, FL 34997-5168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5343 NW ALAM CIR, PORT SAINT LUCIE, FL 34986-3530

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	$5,379.00 (+4.96%)	$270,787 (+1%)	$271,820 (+10.42%) Land $204,250 Building $67,570
2024	$5,125.00 (+28.77%)	$246,170 (+40.58%) Land $175,750 Building $70,420	$246,170 (+40.58%) Land $175,750 Building $70,420
2023	$3,980.00 (+132.34%)	$175,110 (+114.97%) Land $118,750 Building $56,360	$175,110 (+18.61%) Land $118,750 Building $56,360
2022	$1,713.00 Homeowner's exemption	$81,456	$147,640 Land $100,180 Building $47,460

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 286 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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