3555 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3555 SE Cobia Way, 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	$230,000 (Jun 2023)
Tax Bill	$2,390 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-012-00030-2`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-012-00030-2`
Alternative APN	`45540`

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 1996
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	45540
Street Address	3555 SE COBIA WAY
City	STUART
State	FL
Zip	34997-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVE PLACE LOT L-3
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	L
Legal Lot Number	L
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2025
Census Tract	1200

Owner

Source: Martin County records · APN 55-38-41-740-012-00030-2

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3555 SE COBIA WAY, STUART, FL 34997-3104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Oct 26, 2007 · Amount on Record
Deed Document Number	0033802440
Deed Book / Page	3380 / 2440
Record Updated	Jun 08, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 16, 2023
Property Address	3555 SE COBIA WAY, STUART, FL 34997-3104
Document Number	0033802440
Book / Page	3380 / 2440
Map Reference	MB 8 PG 52
Instrument Date	May 17, 2023
Instrument	3021669
Transaction Type	Transfer
Record Updated	Jul 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3553 SE COBIA WAY, STUART, FL 34997-3104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3555 SE COBIA WAY, STUART, FL 34997-3104

Mortgage

Document Number	0033802442
Date	Jun 16, 2023
Instrument	3380/2442

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$192,309 (+42.84%)	$204,930 (+52.22%) Land $95,000 Building $109,930
2024	$2,390.00 (+6.51%)
2023	$2,244.00 (+3,2%)	$134,630 (+362.58%) Land $65,000 Building $69,630	$134,630 (+10.74%) Land $65,000 Building $69,630
2022	$68.00 Homeowner's exemption	$29,104	$121,570 Land $63,000 Building $58,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: TPC ACC Acquisition.

Based on FCC filings for 249 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CORA-WIN COVE private · serves 127 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.