2981 SE Clayton St, Stuart, FL 34997 Property Records

Martin County property record for 2981 SE Clayton St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,057 sqft · built 1988
Lot Size	0.135 acres (5,881 sqft)
Owner	2 Individual Names on File
Last Sale	$79,000 (Apr 2002)
Tax Bill	$1,619 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`37-38-41-007-044-0020.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`37-38-41-007-044-0020.0-5-0000`
Alternative APNs	`37-38-41-007-044-00200-5` `33677`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,057 sqft Living Area
Gross Area	1,562 sqft
1st Floor Area	1,057 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,881 sqft (0.135 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Screened Concrete Masonry Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	33677
Street Address	2981 SE CLAYTON ST
City	STUART
State	FL
Zip	34997-5109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3B
Legal Description	GOLDEN GATE LOTS 20 & 22 BLK 44
Legal Range	41E
Legal Township	38S
Legal Section	37
Legal Subdivision	GOLDEN GATE
Legal Block	44
Legal Lot Number	20,22
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2010
Census Tract	1301

Owner

2981 SE Clayton St is owned and occupied by two individuals who bought it in April 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	2981 SE CLAYTON ST, STUART, FL 34997-5109
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2002 · Amount on File
Deed Sale	Apr 12, 2002 · Amount on File
Prior Sale	Feb 18, 1993 · Amount on File
Deed Document Number	20021565074
Deed Book / Page	1637 / 275
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	2981 SE CLAYTON ST, STUART, FL 34997-5109
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 SE CLAYTON ST, STUART, FL 34997-5109

Mortgage

Document Number	0034100205
Date	Dec 6, 2023
Book Page	3410/205
Instrument	3048059

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2981 SE Clayton St was $1,619 with a homeowner's exemption, up 0.1% 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	$1,619.00 (+0.12%) Additional exemption filed	$74,377	$248,240 Land $145,000 Building $103,240
2024	$1,617.00 (+1.57%)
2023	$1,592.00 (+1.79%) Additional exemption filed	$70,176 (+3%)	$226,720 (+18.63%) Land $135,000 Building $91,720
2022	$1,564.00 Homeowner's exemption	$68,133	$191,120 Land $111,000 Building $80,120

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

Flood

FEMA maps place 2981 SE Clayton St in Zone X, an area of minimal flood risk, though there have been 48 flood claims nearby since 1995.

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 53 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	48 (1995–2020)
Claims Outside the SFHA	9 of 48
Most Recent Claim	May 2020
Claims by Event	Hurricane Frances, Sep 2004 · 26 claims Severe Flooding, Oct 1995 · 10 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

Wildfire risk around 2981 SE Clayton St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 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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