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3488 SE Cambridge Dr, Stuart, FL 34997 Property Records

Martin County property record for 3488 SE Cambridge Dr, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,565 sqft · built 1992
Lot Size0.22 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$600,000 (Nov 2023)
Tax Bill$3,994 (2025)
Deeds & MortgagesNov 2023 Sale & Mortgage
Aug 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN39-38-41-003-000-0005.0-8-0000

Property Details

APN / Parcel Number

Primary APN39-38-41-003-000-0005.0-8-0000
Alternative APNs
  • 39-38-41-003-000-00050-8
  • 35740

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories1 Story
Building Area2,565 sqft Living Area
Gross Area3,202 sqft
1st Floor Area2,565 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 2002
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area9,583 sqft (0.22 acres)
View / LotWater View
Garage TypeAttached
Garage Area637 sqft
Parking Spaces2 Parking Spaces
PorchOpen Concrete/Masonry Porch
Porch Area81 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number35740
Street Address3488 SE CAMBRIDGE DR
CitySTUART
StateFL
Zip34997-5644
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR
Legal DescriptionLOT 5 WILLOUGHBY PLAT NO 3 ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 11 PAGE 73 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range41E
Legal Township38S
Legal Section39
Legal SubdivisionWILLOUGHBY
Legal Block1
Legal Lot Number5
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1003
Census Tract1105

Owner

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 RecordIndividual Name on File
Mailing Address3488 SE CAMBRIDGE DR, STUART, FL 34997-5644
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 17, 2023Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 26, 2020Deed of Trust, Mortgage · FHA Mortgage
FEDERAL HSNG COMMISSIONER
Sep 2, 2020Intrafamily Transfer, Transfer · Reverse Mortgage
AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 17, 2023 · Amount on File
Deed SaleNov 17, 2023 · Amount on File
Prior SaleNov 25, 2014 · Amount on File
Deed Document Number20233045680
Deed Book / Page3407 / 846
Prior Transfer DateJul 27, 2020
Prior Transfer Doc0031550729
Record UpdatedOct 29, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateNov 17, 2023
Property Address3488 SE CAMBRIDGE DR, STUART, FL 34997-5644
Document Number0034070846
Book / Page3407 / 846
Map ReferenceMB 11 PG 73
Instrument DateNov 15, 2023
Instrument3045680
Transaction TypeTransfer
Record UpdatedDec 15, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1800 SE SAINT LUCIE BLVD # BLVD9-301, BLVD9-301, STUART, FL 34996-4298

Transferred To (Grantee/Buyer)

NameVerified Name
Address3488 SE CAMBRIDGE DR, STUART, FL 34997-5644

Mortgage

Document Number0003407848
DateNov 17, 2023
Instrument3407/848
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2053

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address3488 SE CAMBRIDGE DR, STUART, FL 34997-5644
Document Number0031551038
Instrument DateAug 26, 2020
Transaction TypeMortgage
Record UpdatedOct 7, 2020
Title CompanyFIRST INT'L TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address3488 SE CAMBRIDGE DR STUART FL 349975644, STUART, FL 34997-5644

Mortgage

Document Number0031551038
DateSep 2, 2020
Book Page003155/001038
Instrument2835606
Lender
NameFEDERAL HSNG COMMISSIONER
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term876 Months
DueSep 1, 2093
Interest
Rate TypeAdjustable Rate
Rate2.69%

September 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMARTIN FL
Recording DateSep 2, 2020
Property Address3488 SE CAMBRIDGE DR, STUART, FL 34997-5644
Document Number0031550729
Book / Page3155 / 729
Map ReferenceMB 11 PG 73
Instrument DateJul 27, 2020
Instrument2835544
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3488 SE CAMBRIDGE DR, STUART, FL 34997-5644

Mortgage

Document Number0003155734
DateSep 2, 2020
Instrument3155/734
Lender
NameAMERICAN ADVISORS GROUP
TypeMortgage Company
Agreement
TypeReverse Mortgage
AmountAmount on Record
Term873 Months
DueJun 9, 2093
Interest
Rate TypeAdjustable Rate
Rate2.69%
Type Change DateSep 1, 2021
Change FrequencyAnnually
Index1-Year LIBOR

Tax Assessment & Valuation

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,994.00 (-0.45%) Homeowner's exemption Widower's exemption$270,859 (-21.97%)$548,650 (+16.32%) Land $170,000 Building $378,650
2024$4,012.00 (-26.39%)
2023$5,450.00 (+2.19%) Additional exemption filed$347,143 (+3%)$471,680 (+15.08%) Land $155,000 Building $316,680
2022$5,333.00 Homeowner's exemption$337,033$409,870 Land $167,400 Building $242,470

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 143 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies143 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

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

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 120 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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