3 Rio Vista Dr, Stuart, FL 34996 Property Records

Martin County property record for 3 Rio Vista Dr, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,067 sqft · built 1977
Lot Size	0.346 acres (15,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jul 2017)
Tax Bill	$9,593 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`12-38-41-002-000-0028.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`12-38-41-002-000-0028.0-8-0000`
Alternative APNs	`12-38-41-002-000-00280-8` `27541`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,067 sqft Living Area
Gross Area	2,923 sqft
1st Floor Area	1,131 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,072 sqft (0.346 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Screened Concrete Masonry Porch
Porch Area	571 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	27541
Street Address	3 RIO VISTA DR
City	STUART
State	FL
Zip	34996-6419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RIO VISTA S/D LOT 28
Legal Range	41E
Legal Township	38S
Legal Section	12
Legal Subdivision	RIO VISTA SUBDIVISION
Legal Block	1
Legal Lot Number	28
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1026
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	5176 SW BIMINI CIR S, PALM CITY, FL 34990-1257
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC
Jul 28, 2017	Warranty Deed, Transfer · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on Record
Deed Sale	Jul 28, 2017 · Amount on Record
Prior Sale	Apr 30, 2015 · Amount on Record
Deed Document Number	20172647667
Deed Book / Page	2939 / 2179
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3 RIO VISTA DR, SEWALLS POINT, FL 34996-6419
Transaction Type	Mortgage
Record Updated	Apr 11, 2022
Title Company	SOUTH FLORIDA TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031230666
Date	Apr 13, 2020
Book Page	3123/666
Instrument	2809682

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Mortgage Company
Address	PALM CITY, FL 34990

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 28, 2017
Property Address	3 RIO VISTA DR, SEWALLS POINT, FL 34996-6419
Document Number	0029392179
Book / Page	02939 / 2179
Map Reference	MB6 PG95
Instrument Date	Jul 21, 2017
Instrument	2647667
Transaction Type	Transfer
Record Updated	Apr 11, 2022
Title Company	HOMEPARTNERS TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2596 TIMBER CV, 2596, ANNAPOLIS, MD 21401-6823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RIO VISTA DR, STUART, FL 34996-6419

Mortgage

Document Number	0002647668
Date	Jul 28, 2017
Instrument	2647668

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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	$9,593.00 (+57.83%)	$584,120 (+54.87%) Land $315,000 Building $269,120	$584,120 (+3.84%) Land $315,000 Building $269,120
2024	$6,078.00 (+2.2%)
2023	$5,947.00 (+3.39%) Additional exemption filed	$377,171 (+3%)	$562,540 (+13.5%) Land $270,000 Building $292,540
2022	$5,752.00 Homeowner's exemption	$366,186	$495,640 Land $256,500 Building $239,140

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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 99.1% of the US · lower than 98.7% 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 190 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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