322 SW Ridge Ln, Stuart, FL 34994 Property Records

Martin County property record for 322 SW Ridge Ln, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1980
Lot Size	0.267 acres (11,631 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Oct 2025)
Tax Bill	$4,931 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-38-41-030-000-0005.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`08-38-41-030-000-0005.0-0-0000`
Alternative APNs	`08-38-41-030-000-00050-0` `838410300000005000000` `25681`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,824 sqft Living Area
Gross Area	2,568 sqft
1st Floor Area	1,824 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,631 sqft (0.267 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Concrete/Masonry Porch
Porch Area	426 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25681
Street Address	322 SW RIDGE LN
City	STUART
State	FL
Zip	34994-7126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WHISPERING PINES LOT 5
Legal Range	41E
Legal Township	38S
Legal Section	8
Legal Subdivision	WHISPERING PINES
Legal Block	1
Legal Lot Number	5
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1004
Census Tract	702

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	Individual Name on Record
Mailing Address	322 SW RIDGE LN, STUART, FL 34994-7126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Warranty Deed, Transfer · Seller Carry-Back TRACY DELUCA
Nov 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 24, 2019	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Nov 13, 2019 · Amount on Record
Deed Document Number	20253149790
Deed Book / Page	3524 / 2052
Prior Transfer Date	Nov 6, 2019
Prior Transfer Doc	0030941211
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 1, 2025
Property Address	322 SW RIDGE LN, STUART, FL 34994-7126
Document Number	0035242052
Book / Page	3524 / 2052
Map Reference	MB 7 PG 49
Instrument Date	Sep 30, 2025
Instrument	3149790
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5702 SE RIVERBOAT DR # 204, 204, STUART, FL 34997-1503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SW RIDGE LN # LANE, LANE, STUART, FL 34994-7126

Mortgage

Document Number	0035242054
Date	Oct 1, 2025
Instrument	3524/2054

Lender

Name	TRACY DELUCA
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	64 Months
Due	Feb 1, 2031

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 13, 2019
Property Address	322 SW RIDGE LN, STUART, FL 34994-7126
Document Number	0030941211
Book / Page	003094 / 001211
Instrument Date	Nov 6, 2019
Instrument	2784765
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$987.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 SW RIDGE LN STUART FL 349947126, STUART, FL 34994-7126

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 24, 2019
Property Address	322 SW RIDGE LN, STUART, FL 34994-7126
Document Number	0030670078
Book / Page	003067 / 000078
Instrument Date	Jun 17, 2019
Instrument	2761595
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SW RIDGE LN STUART FL 349947126, STUART, FL 34994-7126

Mortgage

Document Number	30670079
Date	Jun 24, 2019
Book Page	003067/000079
Instrument	2761596

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,931.00 (-0.82%) Homeowner's exemption	$316,049 (+2.9%)	$495,350 (-0.82%) Land $205,000 Building $290,350
2024	$4,972.00 (+2.24%) Additional exemption filed	$307,142 (+3%)	$499,440 (+4.66%) Land $205,000 Building $294,440
2023	$4,863.00 (+3.8%) Additional exemption filed	$298,197 (+3%)	$477,180 (+18.09%) Land $205,000 Building $272,180
2022	$4,685.00 Homeowner's exemption	$289,512	$404,080 Land $165,000 Building $239,080

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 Record median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	5 (2005–2022)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Nov 2022 · Hurricane Nicole

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	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 243 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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