352 SW Ridge Ln, Stuart, FL 34994 Property Records

Martin County property record for 352 SW Ridge Ln, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,038 sqft · built 1989
Lot Size	0.281 acres (12,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jul 2026)
Tax Bill	$8,178 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-38-41-030-000-0001.0-9-0000`

Property Details

APN / Parcel Number

Primary APN	`08-38-41-030-000-0001.0-9-0000`
Alternative APNs	`08-38-41-030-000-00010-9` `25677`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,038 sqft Living Area
Gross Area	2,438 sqft
1st Floor Area	2,038 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,240 sqft (0.281 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	25677
Street Address	352 SW RIDGE LN
City	STUART
State	FL
Zip	34994-7126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES LOT 1 & 10 STRIP ADJ N/LN (OR 506/1843)
Legal Range	41E
Legal Township	38S
Legal Section	8
Legal Subdivision	WHISPERING PINES
Legal Block	1
Legal Lot Number	1,10
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1004
Census Tract	702

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	2 Individual Names on Record
Mailing Address	352 SW RIDGE LN, STUART, FL 34994-7126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage DREAMLINE MORTGAGE INC
Mar 3, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Mar 15, 2022 · Amount on Record
Deed Document Number	20263193884
Deed Book / Page	3576 / 2565
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 1, 2026
Property Address	352 SW RIDGE LN, STUART, FL 34994-7126
Document Number	0003193884
Book / Page	3576 / 2565
Instrument Date	Apr 27, 2026
Instrument	20263193884
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$459,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 SW RIDGE LN, STUART, FL 34994-7126

Mortgage

Document Number	0003193885,
Date	Jul 1, 2026
Instrument	20263193885

Lender

Name	NORTHPOINTE BANK

Agreement

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

Interest

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

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 15, 2022
Property Address	352 SW RIDGE LN, STUART, FL 34994-7126
Document Number	0033000097
Book / Page	3300 / 97
Map Reference	MB 7 PG 49
Instrument Date	Mar 8, 2022
Instrument	2948596
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,836.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7664 SE BELLE MAISON DR, 7664, STUART, FL 34997-2845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 SW RIDGE LN, STUART, FL 34994-7126

Mortgage

Document Number	0000330099
Date	Mar 15, 2022
Instrument	3300/99

Lender

Name	DREAMLINE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	352 SW RIDGE LN, STUART, FL 34994-7126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031150289
Date	Mar 3, 2020
Book Page	3115/289
Instrument	2803099

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 24, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 16, 2019
Property Address	352 SW RIDGE LN, STUART, FL 34994-7126
Document Number	0031001057
Book / Page	003100 / 001057
Instrument Date	Dec 11, 2019
Instrument	2789885
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,863.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	352 SW RIDGE LN STUART FL 349947126, STUART, FL 34994-7126

Tax Assessment & Valuation

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	$8,178.00 (-5.02%) Homeowner's exemption	$502,270 (+1.87%) Land $184,500 Building $317,770	$502,270 (+1.87%) Land $184,500 Building $317,770
2024	$8,610.00 (+1.99%)
2023	$8,442.00 (+59.28%) Additional exemption filed	$493,060 (+52.83%) Land $184,500 Building $308,560	$493,060 (+16.14%) Land $184,500 Building $308,560
2022	$5,300.00 Homeowner's exemption	$322,626	$424,550 Land $148,500 Building $276,050

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Nearby Properties on SW Ridge Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures