344 SW Ridge Ln, Stuart, FL 34994 Property Records

Martin County property record for 344 SW Ridge Ln, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 1997
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on File
Last Sale	$307,000 (Mar 2018)
Tax Bill	$4,623 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-38-41-030-000-0002.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`08-38-41-030-000-0002.0-7-0000`
Alternative APNs	`08-38-41-030-000-00020-7` `838410300000002070000` `25678`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
Gross Area	2,294 sqft
1st Floor Area	1,604 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.281 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Screened Concrete Masonry Porch
Porch Area	333 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25678
Street Address	344 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 2 & 10 STRIP ADJ N/LN (OR 503/2299)
Legal Range	41E
Legal Township	38S
Legal Section	8
Legal Subdivision	WHISPERING PINES
Legal Block	1
Legal Lot Number	2,10
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1004
Census Tract	702

Owner

344 SW Ridge Ln is owned and occupied by an individual who bought it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	344 SW RIDGE LN, STUART, FL 34994-7126
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2018 · Amount on File
Deed Sale	Mar 7, 2018 · Amount on File
Prior Sale	Feb 5, 2013 · Amount on File
Deed Document Number	20182682227
Deed Book / Page	2978 / 2834
Record Updated	Oct 29, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 7, 2018
Property Address	344 SW RIDGE LN, STUART, FL 34994-7126
Document Number	0029782834
Book / Page	02978 / 2834
Map Reference	MB7 PG49
Instrument Date	Mar 2, 2018
Instrument	2682227
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	$2,149.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	344 SW RIDGE LN, 344, STUART, FL 34994-7126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 SW RIDGE LN, STUART, FL 34994-7126

Mortgage

Document Number	0002682228
Date	Mar 7, 2018
Instrument	2682228

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 344 SW Ridge Ln was $4,623 with a homeowner's exemption, down 0.8% 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	$4,623.00 (-0.82%) Additional exemption filed	$298,821	$465,870 Land $205,000 Building $260,870
2024	$4,661.00 (+2.24%)
2023	$4,559.00 (+3.8%) Additional exemption filed	$281,942 (+3%)	$449,360 (+18.6%) Land $205,000 Building $244,360
2022	$4,392.00 Homeowner's exemption	$273,731	$378,890 Land $165,000 Building $213,890

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

Flood

FEMA maps place 344 SW Ridge Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2005.

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 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

Wildfire risk around 344 SW Ridge Ln is low, with less than a 0.01% annual chance of 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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