325 SW Otter Run Pl, Stuart, FL 34997 Property Records

Martin County property record for 325 SW Otter Run Pl, Stuart, FL 34997

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,164 sqft · built 2007
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (May 2026)
Tax Bill	$3,523 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2026 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`41-38-41-006-000-0076.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-006-000-0076.0-0-0000`
Alternative APNs	`41-38-41-006-000-00760-0` `984467`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,564 sqft
1st Floor Area	874 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	2,178 sqft (0.05 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	984467
Street Address	325 SW OTTER RUN PL
City	STUART
State	FL
Zip	34997-3046
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUDR
Legal Description	LOT 76 PH 1 WHITEMARSH RESERVE PUD (PB 16 PG 5)
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	WHITEMARSH RESERVE
Legal Block	2
Legal Lot Number	76
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2001
Census Tract	1103

Owner

325 SW Otter Run Pl, a townhouse, is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	325 SW OTTER RUN PL, STUART, FL 34997-3046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOUSING FINANCE CORPORATION FLORIDA
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Dec 29, 2020	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Apr 11, 2019	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 11, 2019	Correction Deed NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on File
Deed Sale	May 21, 2026 · Amount on File
Prior Sale	Dec 29, 2020 · Amount on File
Deed Document Number	20263187250
Deed Book / Page	3568 / 938
Prior Transfer Date	Jun 6, 2014
Prior Transfer Doc	0027232497
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 21, 2026
Property Address	325 SW OTTER RUN PL, STUART, FL 34997-3046
Document Number	0003187250
Book / Page	3568 / 938
Instrument Date	May 20, 2026
Instrument	20263187250
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	325 SW OTTER RUN PL, STUART, FL 34997-3046

Mortgage

Document Number	0003187251,
Date	May 21, 2026
Instrument	20263187251

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Jun 12, 2026
Property Address	325 SW OTTER RUN PL, STUART, FL 34997-3046
Document Number	0003190712
Book / Page	3572 / 2340
Instrument Date	May 20, 2026
Instrument	20263190712
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SW OTTER RUN PL, STUART, FL 34997-3046

Mortgage

Document Number	0003190712,
Date	Jun 12, 2026
Book Page	3572/2340
Instrument	20263190712

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	5%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 21, 2026
Property Address	325 SW OTTER RUN PL, STUART, FL 34997-3046
Document Number	0035680938
Book / Page	3568 / 938
Instrument Date	May 20, 2026
Instrument	20263187250
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272,195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	325 SW OTTER RUN PL, STUART, FL 34997-3046

Mortgage

Document Number	0003187251,
Date	May 21, 2026
Instrument	20263187251

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 29, 2020
Property Address	325 SW OTTER RUN PL, STUART, FL 34997-3046
Document Number	0031850270
Book / Page	3185 / 270
Map Reference	MB 16 PG 5
Instrument Date	Dec 22, 2020
Instrument	2858368
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3075 SE GLASGOW DR, 3075, STUART, FL 34997-5462

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	325 SW OTTER, STUART, FL 34997

Mortgage

Document Number	0003185276
Date	Dec 29, 2020
Instrument	3185/276

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 11, 2019
Property Address	325 SW OTTER RUN PL, STUART, FL 34997-3046
Document Number	0030520549
Book / Page	3052 / 0549
Map Reference	MB 16 PG 5
Instrument Date	Mar 18, 2019
Instrument	2748666
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SIGNATURE TITLE FL PARTNERS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	624 N UNION RD, 624, THORN HILL, TN 37881-5659

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SW OTTER RUN PL, STUART, FL 34997-3046

Mortgage

Document Number	0002748668
Date	Apr 11, 2019
Instrument	2748668

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

April 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 11, 2019
Property Address	325 SW OTTER RUN PL, STUART, FL 34997-3046
Document Number	0030520544
Book / Page	003052 / 000544
Instrument Date	Jun 6, 2014
Instrument	2748664
Record Updated	May 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	325 SW OTTER RUN PL STUART FL 349973046, STUART, FL 34997-3046

Tax Assessment & Valuation

The 2025 property tax bill for 325 SW Otter Run Pl was $3,523, down 1.1% 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	$3,523.00 (-1.12%) Homeowner's exemption	$265,450	$363,600 Land $100,000 Building $263,600
2024	$3,563.00 (+1.89%)
2023	$3,497.00 (+3.77%) Additional exemption filed	$250,456 (+3%)	$358,210 (+18.84%) Land $100,000 Building $258,210
2022	$3,370.00 Homeowner's exemption	$243,162	$301,410 Land $65,000 Building $236,410

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

Flood

FEMA maps place 325 SW Otter Run Pl in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 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 325 SW Otter Run Pl is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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	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 401 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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