311 SW Lost River Rd, Stuart, FL 34997 Property Records

Martin County property record for 311 SW Lost River Rd, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,051 sqft · built 2012
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Apr 2012)
Tax Bill	$10,576 (2024)
Deeds & Mortgages	Nov 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`193296`

Property Details

APN / Parcel Number

Primary APN	`193296`
Alternative APN	`55-38-41-412-000-00240-0`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,051 sqft Living Area
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2012
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Masonite/Cement Shake
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	749 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	415 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	193296
Street Address	311 SW LOST RIVER RD
City	STUART
State	FL
Zip	34997-6294
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 LOST RIVER MANORS PH 3 OF LOST RIVER (PB 16 PG 14)
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	LOST RIVER MANORS
Legal Lot Number	24
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1103

Owner

Source: Martin County records · APN 193296

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	311 SW LOST RIVER RD, STUART, FL 34997-6294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 27, 2012 · Amount on Record
Deed Sale	Apr 27, 2012 · Amount on Record
Prior Sale	Aug 26, 2008 · Amount on Record
Deed Document Number	0002574287
Deed Book / Page	2574 / 287
Record Updated	Jun 08, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	311 SW LOST RIVER RD, STUART, FL 34997-6294
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030280001
Date	Nov 20, 2018
Book Page	03028/0001
Instrument	2726484

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$677,693 (+5.99%)	$1,407,650 (-4.98%) Land $500,000 Building $907,650
2024	$10,576.00 (+1.72%)
2023	$10,397.00 (+27.52%) Additional exemption filed	$639,412 (+26.2%)	$1,481,380 (+48.58%) Land $550,000 Building $931,380
2022	$8,153.00 Homeowner's exemption	$506,653	$997,040 Land $380,000 Building $617,040

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850011031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 186 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	218 units insured incl. 32 condo units
Nearby Flood Claims	170 (1979–2025)
Claims Outside the SFHA	25 of 170
Most Recent Claim	Oct 2025 · other causes
Claims by Event	Hurricane Frances, Sep 2004 · 75 claims Hurricane Irene, Oct 1999 · 18 claims Severe Flooding, Oct 1995 · 47 claims

Wildfire

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 80 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	MARTIN CO UTILITIES serves 104,105 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.