3004 SE River Ter, Stuart, FL 34996 Property Records

Martin County property record for 3004 SE River Ter, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,216 sqft · built 1969
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$192,500 (Jul 2014)
Tax Bill	$2,965 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-38-41-013-004-0001.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`02-38-41-013-004-0001.0-5-0000`
Alternative APNs	`02-38-41-013-004-00010-5` `238410130040001050000` `19083`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	1,600 sqft
1st Floor Area	1,216 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1980
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	140 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	19083
Street Address	3004 SE RIVER TER
City	STUART
State	FL
Zip	34996-1346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	ST LUCIE POINT BUILDING LOTS LOTS 1 & 2 BLK 4
Legal Range	41E
Legal Township	38S
Legal Section	2
Legal Subdivision	ST LUCIE POINT BUILDING LOTS
Legal Block	4
Legal Lot Number	1,2
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1002
Census Tract	901

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3004 SE RIVER TER, STUART, FL 34996-1346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2014 · Amount on File
Deed Sale	Jul 1, 2014 · Amount on File
Prior Sale	Jul 5, 2001 · Amount on File
Deed Document Number	20142464046
Deed Book / Page	2727 / 106
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3004 SE RIVER TER, STUART, FL 34996-1346
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032152568
Date	Apr 15, 2021
Book Page	3215/2568
Instrument	2881965

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3004 SE RIVER TER, STUART, FL 34996-1346
Document Number	0030940005
Instrument Date	Nov 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 SE RIVER TER STUART FL 349961346, STUART, FL 34996-1346

Mortgage

Document Number	0030940005
Date	Nov 13, 2019
Book Page	003094/000005
Instrument	2784495

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	204 Months
Due	Nov 12, 2036

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	$2,965.00 (-0.24%) Additional exemption filed	$200,682 (+5.99%)	$352,950 (+7.98%) Land $210,000 Building $142,950
2024	$2,972.00 (+2.55%)
2023	$2,898.00 (+4.02%) Additional exemption filed	$189,347 (+3%)	$326,860 (+0.86%) Land $190,000 Building $136,860
2022	$2,786.00 Homeowner's exemption	$183,833	$324,070 Land $209,950 Building $114,120

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	461 units insured incl. 328 condo units
Nearby Flood Claims	37 (1983–2024)
Claims Outside the SFHA	14 of 37
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 16 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 97% of the US · lower than 96% 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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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 150 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Blue Stream, Hotwire Communications.

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