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3551 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3551 SE Cobia Way, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 944 sqft · built 1981
Lot Size0.032 acres (1,394 sqft)
OwnerIndividual Name on Record
Last Sale$145,000 (Apr 2021)
Tax Bill$2,575 (2025)
Deeds & MortgagesApr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN55-38-41-740-012-0001.0-6-0000

Property Details

APN / Parcel Number

Primary APN55-38-41-740-012-0001.0-6-0000
Alternative APNs
  • 55-38-41-740-012-00010-6
  • 45538

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms2 Rooms
Stories1 Story
Building Area944 sqft Living Area
1st Floor Area944 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,394 sqft (0.032 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number45538
Street Address3551 SE COBIA WAY
CitySTUART
StateFL
Zip34997-3104
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR
Legal DescriptionCOVE PLACE LOT L-1
Legal Range41E
Legal Township38S
Legal Section55
Legal SubdivisionCOVE PLACE
Legal Block2
Legal Lot NumberL-1
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group2
Census Block2025
Census Tract1200

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 Record
Mailing Address3577 SE COBIA WAY, STUART, FL 34997-3106
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 12, 2021 · Amount on Record
Deed SaleApr 12, 2021 · Amount on Record
Prior SaleSep 17, 2015 · Amount on Record
Deed Document Number20212880955
Deed Book / Page3214 / 1925
Prior Transfer DateFeb 24, 2015
Prior Transfer Doc0027682776
Record UpdatedOct 29, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateApr 12, 2021
Property Address3551 SE COBIA WAY, STUART, FL 34997-3104
Document Number0032141925
Book / Page3214 / 1925
Map ReferenceMB 8 PG 52
Instrument DateApr 8, 2021
Instrument2880955
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,015.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10198 SW VISCOATI WAY, 10198, SAINT LEO, FL 34986

Transferred To (Grantee/Buyer)

NameVerified Name
Address3577 SE COBIA WAY, STUART, FL 34997-3106

Mortgage

Document Number0032141926
DateApr 12, 2021
Instrument3214/1926
Lender
NameGROUP ONE MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2051

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$2,575.00 (+5.79%)$159,506 (+21%)$171,340 (+29.28%) Land $95,000 Building $76,340
2024$2,434.00 (+10.54%)
2023$2,202.00 (+10.49%)$131,824 (+1%)$132,530 (+10.59%) Land $65,000 Building $67,530
2022$1,993.00$119,840 Land $63,000 Building $56,840$119,840 Land $63,000 Building $56,840

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims4 (1994–2004)
Claims Outside the SFHA3 of 4
Most Recent ClaimSep 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% 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 SystemCORA-WIN COVE
private · serves 127 people · EPA ID FL4431883
Water SourceGroundwater
Last State InspectionAug 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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

ProviderMax 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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