Martin County property record for 3059 SW Otter Ln, Stuart, FL 34997
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2.5 ba · 1,614 sqft · built 2015 |
| Lot Size | 0.039 acres (1,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $192,900 (Dec 2014) |
| Tax Bill | $2,450 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-39-40-006-000-0016.0-0-0000 |
| Primary APN | 12-39-40-006-000-0016.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,614 sqft Living Area |
| Gross Area | 1,874 sqft |
| 1st Floor Area | 691 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Townhouse |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 1,712 sqft (0.039 acres) |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 907540 |
|---|---|
| Street Address | 3059 SW OTTER LN |
| City | STUART |
| State | FL |
| Zip | 34997-8927 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PUDR |
| Legal Description | LOT 16 PH 5 RIVER MARINA PUD PHS 3 & 5 (PB 16 PG 42) |
| Legal Range | 40E |
| Legal Township | 39S |
| Legal Section | 12 |
| Legal Subdivision | RIVER MARINA |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | INDIANTOWN |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 1702 |
3059 SW Otter Ln, a townhouse, is owned and occupied by two individuals who bought it in December 2014.
Source: Martin County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3340 SE FEDERAL HWY, STUART, FL 34997-4914 |
| 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.
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC |
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL FREEDOM MORTGAGE LLC |
| May 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage 1ST SIGNATURE LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2014 · Amount on File |
| Deed Sale | Dec 15, 2014 · Amount on File |
| Prior Sale | Apr 16, 2014 · Amount on File |
| Deed Document Number | 20142490349 |
| Deed Book / Page | 2756 / 2562 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 3059 SW OTTER LN, STUART, FL 34997-8927 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3059 SW OTTER LN, STUART, FL 34997-8927 |
| Document Number | 0035450096 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 3545/96 |
| Instrument | 3166692 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Dec 8, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 3059 SW OTTER LN, STUART, FL 34997-8927 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | EAGLE TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 3059 SW OTTER LN, STUART, FL 34997-8927 |
| Document Number | 0032192341 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 3219/2341 |
| Instrument | 2884978 |
| Name | FINANCIAL FREEDOM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 3059 SW OTTER LN, STUART, FL 34997-8927 |
| Document Number | 0030641362 |
| Instrument Date | May 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3059 SW OTTER LN STUART FL 349978927, STUART, FL 34997-8927 |
| Document Number | 0030641362 |
|---|---|
| Date | Jun 11, 2019 |
| Book Page | 003064/001362 |
| Instrument | 2759333 |
| Name | 1ST SIGNATURE LNDG |
|---|---|
| Address | INDIANAPOLIS, IN 46256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 10, 2034 |
The 2025 property tax bill for 3059 SW Otter Ln was $2,450 with a homeowner's exemption, down 1.1% from the year before.
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,450.00 (-1.09%) Additional exemption filed | $197,740 | $308,970 Land $115,000 Building $193,970 |
| 2024 | $2,477.00 (+2.14%) | ||
| 2023 | $2,425.00 (+4.03%) Additional exemption filed | $186,571 (+3%) | $279,220 (+8.9%) Land $90,000 Building $189,220 |
| 2022 | $2,331.00 Homeowner's exemption | $181,137 | $256,390 Land $75,000 Building $181,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3059 SW Otter Ln in Zone X, an area of minimal flood risk.
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 74 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 in force |
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 risk around 3059 SW Otter Ln is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. LUCIE FALLS private · serves 499 people · EPA ID FL4434014 |
|---|---|
| Water Source | Purchased groundwater from MARTIN CO UTILITIES |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
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 | 11 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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