3229 SE Cypress St, Stuart, FL 34997 Property Records

Martin County property record for 3229 SE Cypress St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1959
Lot Size	0.179 acres (7,797 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Sep 2023)
Tax Bill	$5,109 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`54-38-41-002-029-0021.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`54-38-41-002-029-0021.0-4-0000`
Alternative APNs	`54-38-41-002-029-00210-4` `43818`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area
Gross Area	1,678 sqft
1st Floor Area	1,352 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,797 sqft (0.179 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Screened Concrete Masonry Porch
Porch Area	546 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43818
Street Address	3229 SE CYPRESS ST
City	STUART
State	FL
Zip	34997-7818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	HIBISCUS PARK SEC 2 LOT 21 BLK 29
Legal Range	41E
Legal Township	38S
Legal Section	54
Legal Subdivision	HIBISCUS PARK
Legal Block	29
Legal Lot Number	21
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1025
Census Tract	1107

Owner

3229 SE Cypress St is owned and occupied by two individuals who bought it in September 2023.

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	1010 LAKE SHORE DR, 203, WEST PALM BEACH, FL 33403-2862
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 12, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Dec 26, 2019	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG
Dec 14, 2017	Warranty Deed, Transfer · Conventional Mortgage USAA
Jul 3, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	Dec 26, 2019 · Amount on File
Deed Document Number	20233035510
Deed Book / Page	3396 / 2047
Prior Transfer Date	May 7, 2003
Prior Transfer Doc	0001659560
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 15, 2023
Property Address	3229 SE CYPRESS ST, STUART, FL 34997-7818
Document Number	0033962047
Book / Page	3396 / 2047
Map Reference	MB 3 PG 27
Instrument Date	Sep 14, 2023
Instrument	3035510
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	JUPITER INLET TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3229 SE CYPRESS ST, STUART, FL 34997-7818

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 LAKE SHORE DR APT 203, 203, LAKE PARK, FL 33403-2862

Mortgage

Document Number	0033962051
Date	Sep 15, 2023
Instrument	3396/2051

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0033962063
Date	Sep 15, 2023
Book Page	3396/2063
Instrument	3035513

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3229 SE CYPRESS ST, STUART, FL 34997-7818
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3229 SE CYPRESS ST, STUART, FL 34997-7818

Mortgage

Document Number	0032481034
Date	Aug 12, 2021
Book Page	3248/1034
Instrument	2907726

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 26, 2019
Property Address	3229 SE CYPRESS ST, STUART, FL 34997-7818
Document Number	0031021159
Book / Page	003102 / 001159
Instrument Date	Dec 24, 2019
Instrument	2791755
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3229 SE CYPRESS ST STUART FL 349977818, STUART, FL 34997-7818

Mortgage

Document Number	31021161
Date	Dec 26, 2019
Book Page	003102/001161
Instrument	2791756

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 14, 2017
Property Address	3229 SE CYPRESS ST, STUART, FL 34997-7818
Document Number	0029642911
Book / Page	002964 / 002911
Instrument Date	Dec 13, 2017
Instrument	2669347
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	SIGNATURE TITLE FL PARTNERS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3229 SE CYPRESS ST STUART FL 349977818, STUART, FL 34997-7818

Mortgage

Document Number	29642913
Date	Dec 14, 2017
Book Page	002964/002913
Instrument	2669348

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3229 SE CYPRESS ST, STUART, FL 34997-7818
Document Number	0029372491
Book / Page	002937 / 002491
Instrument Date	Jul 3, 2017
Transaction Type	Mortgage
Record Updated	Jul 31, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3229 SE CYPRESS ST STUART FL 349977818, STUART, FL 34997-7818

Mortgage

Document Number	0029372491
Date	Jul 17, 2017
Book Page	002937/002491
Instrument	2645934

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 16, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3229 SE Cypress St was $5,109 with a homeowner's exemption, down 2.6% from the year before.

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	$5,109.00 (-2.57%) Homeowner's exemption	$336,920 Land $125,000 Building $211,920	$336,920 Land $125,000 Building $211,920
2024	$5,244.00 (+48.56%)
2023	$3,530.00 (+3.88%) Additional exemption filed	$227,532 (+3%)	$318,760 (+13.54%) Land $120,000 Building $198,760
2022	$3,398.00 Homeowner's exemption	$220,905	$280,750 Land $110,000 Building $170,750

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

Flood

FEMA maps place 3229 SE Cypress St 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 86 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	86 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

Wildfire risk around 3229 SE Cypress St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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.

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 189 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

May also be available: Blue Stream, Hotwire Communications, T-Mobile.

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