3 Palmetto Dr, Stuart, FL 34996 Property Records

Martin County property record for 3 Palmetto Dr, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,336 sqft · built 2015
Lot Size	0.464 acres (20,212 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,922,000 (May 2022)
Tax Bill	$22,476 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-38-41-010-000-0016.0-6-0000`

Property Details

APN / Parcel Number

Primary APN	`01-38-41-010-000-0016.0-6-0000`
Alternative APNs	`01-38-41-010-000-00160-6` `138410100000016060000` `17769`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,336 sqft Living Area
Gross Area	4,007 sqft
1st Floor Area	3,336 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	20,212 sqft (0.464 acres)
Garage Type	Attached
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	583 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17769
Street Address	3 PALMETTO DR
City	STUART
State	FL
Zip	34996-6746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PALMETTO PARK LOT 16
Legal Range	41E
Legal Township	38S
Legal Section	1
Legal Subdivision	PALMETTO PARK
Legal Block	1
Legal Lot Number	16
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1027
Census Tract	502

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	3 PALMETTO DR, STUART, FL 34996-6746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2022 · Amount on Record
Deed Sale	May 20, 2022 · Amount on Record
Prior Sale	Sep 29, 2014 · Amount on Record
Deed Document Number	20222961343
Deed Book / Page	3314 / 868
Prior Transfer Date	Dec 29, 2010
Prior Transfer Doc	0024940891
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 20, 2022
Property Address	3 PALMETTO DR, STUART, FL 34996-6746
Document Number	0033140868
Book / Page	3314 / 868
Map Reference	MB 3 PG 66
Instrument Date	May 6, 2022
Instrument	2961343
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,454.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 PALMETTO DR, SEWALLS POINT, FL 34996-6746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5360 WEATHERHILL DR SW, ROCHESTER, MN 55902-8861

Mortgage

Document Number	0003314870
Date	May 20, 2022
Instrument	3314/870

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.5%
Index	Other
Max Rate	7.5%

Tax Assessment & Valuation

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Municipality	Sewall's Point Town
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$22,476.00 (-0.74%) Additional exemption filed	$1,450,766 (+4.64%)	$1,453,300 (+4.82%) Land $440,000 Building $1,013,300
2024	$22,643.00 (+0.48%)
2023	$22,535.00 (+126.96%) Additional exemption filed	$1,386,460 (+123.51%) Land $350,000 Building $1,036,460	$1,386,460 (+29.64%) Land $350,000 Building $1,036,460
2022	$9,929.00 Homeowner's exemption	$620,315	$1,069,450 Land $320,000 Building $749,450

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 179 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	110 (1982–2022)
Claims Outside the SFHA	9 of 110
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 92 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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 131 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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