3550 SE Cobia Way, #A1, Stuart, FL 34997 Property Records

Martin County property record for 3550 SE Cobia Way, #A1, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 944 sqft · built 1981
Lot Size	0.032 acres (1,394 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Jun 2026)
Tax Bill	$2,612 (2025)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-001-0001.0-9-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-001-0001.0-9-0000`
Alternative APNs	`55-38-41-740-001-00010-9` `45494`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	944 sqft Living Area
1st Floor Area	944 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,394 sqft (0.032 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45494
Street Address	3550 SE COBIA WAY, A1
City	STUART
State	FL
Zip	34997-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	COVE PLACE LOT A-1
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	A-1
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2030
Census Tract	1200

Owner

3550 SE Cobia Way, #A1 is owned by an individual who bought it in June 2026.

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 Record	Individual Name on File
Mailing Address	3550 SE COBIA WAY, STUART, FL 34997-3104
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Affidavit, Transfer
Jun 30, 2026	Affidavit, Transfer
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING, LLC.
Apr 7, 2022	Deed of Distribution, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	May 6, 2003 · Amount on File
Deed Document Number	20263193581
Deed Book / Page	3576 / 1608
Prior Transfer Date	Mar 30, 2022
Prior Transfer Doc	0033050916
Record Updated	Oct 29, 2026

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MARTIN FL
Recording Date	Jun 30, 2026
Property Address	3550 SE COBIA WAY, A1, STUART, FL 34997-3104
Document Number	0003193577
Book / Page	3576 / 1602
Instrument Date	Jun 30, 2026
Instrument	20263193577
Transaction Type	Transfer
Record Updated	Jul 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MARTIN FL
Recording Date	Jun 30, 2026
Property Address	3550 SE COBIA WAY, A1, STUART, FL 34997-3104
Document Number	0003193579
Book / Page	3576 / 1605
Instrument Date	Jun 30, 2026
Instrument	20263193579
Transaction Type	Transfer
Record Updated	Jul 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 30, 2026
Property Address	3550 SE COBIA WAY, A1, STUART, FL 34997-3104
Document Number	0003193581
Book / Page	3576 / 1608
Instrument Date	Jun 7, 2026
Instrument	20263193581
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	SAGE TITLE AND ESCROW SERVICES INC, SAGE TITLE & ESCROW SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152,005.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003193582,
Date	Jun 30, 2026
Instrument	20263193582

Lender

Name	HOME1ST LENDING, LLC.

Agreement

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

Interest

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

April 2022: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	MARTIN FL
Recording Date	Apr 7, 2022
Property Address	3550 SE COBIA WAY, STUART, FL 34997-3104
Document Number	0033050916
Book / Page	3305 / 916
Map Reference	MB 8 PG 52
Instrument Date	Mar 30, 2022
Instrument	2953169
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6971 WHITE BUFFALO RD, 6971, COLORADO SPRINGS, CO 80919-5013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3550 SE COBIA WAY, STUART, FL 34997-3104

Tax Assessment & Valuation

The 2025 property tax bill for 3550 SE Cobia Way, #A1 was $2,612, up 5.8% 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	$2,612.00 (+5.83%)	$162,950	$171,390 Land $95,000 Building $76,390
2024	$2,468.00 (+9.93%)
2023	$2,245.00 (+65.81%)	$134,670 (+128.96%) Land $65,000 Building $69,670	$134,670 (+10.74%) Land $65,000 Building $69,670
2022	$1,354.00	$58,819	$121,610 Land $63,000 Building $58,610

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

FEMA maps place 3550 SE Cobia Way, #A1 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1994.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1994–2004)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2004 · Hurricane Frances

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 3550 SE Cobia Way, #A1 is low, with 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 80% of the US · lower than 93% 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	CORA-WIN COVE private · serves 127 people · EPA ID FL4431883
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023) 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	30 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 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

May also be available: Blue Stream.

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