325 SE Lake St, Stuart, FL 34994 Property Records

Martin County property record for 325 SE Lake St, Stuart, FL 34994

Property Summary

Property Type	Recreational Vacant Land
Lot Size	0.13 acres (5,641 sqft)
Owner	Company Name on File
Last Sale	$30,000 (Oct 2011)
Tax Bill	$756 (2025)
Deeds & Mortgages	Sep 2017 Loan Modification Sep 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-38-41-013-012-0016.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`04-38-41-013-012-0016.0-2-0000`
Alternative APNs	`04-38-41-013-012-00160-2` `438410130120016020000` `21606`

Exterior

Lot Area	5,641 sqft (0.13 acres)
Lot Dimensions	100 ft deep x 47 ft wide

Location & Zoning

Account Number	21606
Street Address	325 SE LAKE ST
City	STUART
State	FL
Zip	34994-6201
Property Category	Public Works
Property Type	Public Works > Recreational Vacant Land
Local Zoning Code	B1
Legal Description	MC DONALDS LOT 16 BLK 12
Legal Range	41E
Legal Township	38S
Legal Section	4
Legal Subdivision	MCDONALDS SUBDIVISION
Legal Block	12
Legal Lot Number	16
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1040
Census Tract	800

Owner

325 SE Lake St, recreational vacant land, is owned by a company that bought it in October 2011.

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

Owner of Record	Company Name on File
Mailing Address	339 LAS PALMAS ST, ROYAL PALM BEACH, FL 33411-1029
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2017	Loan Modification, Mortgage CHARETTE HAROLD L TR (PT)
Sep 28, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Apr 29, 2017	Warranty Deed, Transfer · Conventional with PMI CHARETTE HAROLD L TR (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2011 · Amount on File
Deed Sale	Oct 11, 2011 · Amount on File
Prior Sale	May 1, 2008 · Amount on File
Deed Document Number	20112297194
Deed Book / Page	2540 / 2380
Record Updated	Oct 29, 2026

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Property Address	325 SE LAKE ST, STUART, FL 34994-6201
Document Number	0029500277
Instrument Date	Sep 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	642 NE JENSEN BEACH BLVD JENSEN BEACH FL 349574750, JENSEN BEACH, FL 34957-4750

Mortgage

Document Number	0029500277
Date	Sep 28, 2017
Book Page	002950/000277
Instrument	2656732

Lender

Name	CHARETTE HAROLD L TR (PT)
Address	898 SW LIGHTHOUSE DR, PALM CITY, FL 34990-4507

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 27, 2022

Interest

Rate Type	Fixed Rate
Rate	6%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 28, 2017
Property Address	325 SE LAKE ST, STUART, FL 34994-6201
Document Number	0029500276
Book / Page	002950 / 000276
Instrument Date	Sep 5, 2017
Instrument	2656731
Transaction Type	Transfer
Record Updated	Oct 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	642 NE JENSEN BEACH BLVD JENSEN BEACH FL 349574750, JENSEN BEACH, FL 34957-4750

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 29, 2017
Property Address	325 SE LAKE ST, STUART, FL 34994-6201
Document Number	0029211943
Book / Page	002921 / 001943
Instrument Date	Apr 28, 2017
Instrument	2632263
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2041 SE GRIFFEN AVE PORT ST LUCIE FL 34952, PORT ST LUCIE, FL 34952

Mortgage

Document Number	29211944
Date	Apr 29, 2017
Book Page	002921/001944
Instrument	2632264

Lender

Name	CHARETTE HAROLD L TR (PT)
Address	898 SW LIGHTHOUSE DR, PALM CITY, FL 34990-4507

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 325 SE Lake St was $756, down 0.7% from the year before.

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	$756.00 (-0.66%)	$28,473	$58,000 Land $58,000
2024	$761.00 (+40.67%)
2023	$541.00 (+4.84%)	$23,975 (+12.07%) Land $23,975	$23,975 (-) Land $23,975
2022	$516.00	$21,393	$23,975 Land $23,975

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

Flood

FEMA maps place 325 SE Lake St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 43 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	58 units insured incl. 15 condo units
Nearby Flood Claims	48 (1979–2022)
Claims Outside the SFHA	34 of 48
Most Recent Claim	Jun 2022 · tidal / storm surge
Claims by Event	Hurricane Frances, Sep 2004 · 23 claims Severe Flooding, Oct 1995 · 3 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

The area around 325 SE Lake St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 228 locations within half a mile, as of December 31, 2025

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

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

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