3276 SE Garden St, Stuart, FL 34997 Property Records

Martin County property record for 3276 SE Garden St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,417 sqft · built 1972
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Jan 2018)
Tax Bill	$5,464 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`37-38-41-007-134-0017.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`37-38-41-007-134-0017.0-0-0000`
Alternative APNs	`37-38-41-007-134-00170-0` `34000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,417 sqft Living Area
Gross Area	1,976 sqft
1st Floor Area	1,417 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1987
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Screened Concrete Masonry Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	34000
Street Address	3276 SE GARDEN ST
City	STUART
State	FL
Zip	34997-5393
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3B
Legal Description	GOLDEN GATE LOTS 17 19 21 & 23 BLK 134 OR 345/1427
Legal Range	41E
Legal Township	38S
Legal Section	37
Legal Subdivision	GOLDEN GATE
Legal Block	134
Legal Lot Number	17
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2016
Census Tract	1301

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	3276 SE GARDEN ST, STUART, FL 34997-5393
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2018 · Amount on Record
Deed Sale	Jan 22, 2018 · Amount on Record
Prior Sale	May 5, 2005 · Amount on Record
Deed Document Number	20182674772
Deed Book / Page	2970 / 2900
Prior Transfer Date	Aug 25, 2014
Prior Transfer Doc	0027480246
Record Updated	Oct 29, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 22, 2018
Property Address	3276 SE GARDEN ST, STUART, FL 34997-5393
Document Number	0029702900
Book / Page	02970 / 2900
Map Reference	MB11 PG41
Instrument Date	Jan 19, 2018
Instrument	2674772
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,323.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12375 W SAMPLE RD, 12375, POMPANO BEACH, FL 33065-8002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3276 SE GARDEN ST, STUART, FL 34997-5393

Mortgage

Document Number	0002674773
Date	Jan 22, 2018
Instrument	2674773

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

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	$5,464.00 (+3.06%)	$245,879 (+21%)	$339,350 (+43.93%) Land $215,000 Building $124,350
2024	$5,302.00 (+14.19%)
2023	$4,643.00 (+9.97%)	$203,207 (+1%)	$235,770 (+16.77%) Land $125,000 Building $110,770
2022	$4,222.00	$184,734	$201,910 Land $105,450 Building $96,460

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 53 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	48 (1995–2020)
Claims Outside the SFHA	9 of 48
Most Recent Claim	May 2020
Claims by Event	Hurricane Frances, Sep 2004 · 26 claims Severe Flooding, Oct 1995 · 10 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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	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 317 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

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

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