3571 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3571 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 Record
Last Sale	$220,000 (Sep 2025)
Tax Bill	$1,583 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-010-0001.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-010-0001.0-0-0000`
Alternative APNs	`55-38-41-740-010-00010-0` `45530`

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 1991
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	45530
Street Address	3571 SE COBIA WAY
City	STUART
State	FL
Zip	34997-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	COVE PLACE LOT J-1
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	J-1
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, 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	Individual Name on Record
Mailing Address	3571 SE COBIA WAY, STUART, FL 34997-3105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · FHA Mortgage DOVENMUEHLE MORTGAGE INC
Aug 24, 2021	Warranty Deed, Transfer · FHA Mortgage RP FUNDING INC
Aug 25, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2025 · Amount on Record
Deed Sale	Sep 2, 2025 · Amount on Record
Prior Sale	Aug 24, 2021 · Amount on Record
Deed Document Number	20253145178
Deed Book / Page	3519 / 29
Prior Transfer Date	Aug 4, 2009
Prior Transfer Doc	0024052256
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3571 SE COBIA WAY, STUART, FL 34997-3105
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3571 SE COBIA WAY, STUART, FL 34997-3105

Mortgage

Document Number	0033812852
Date	Jun 22, 2023
Book Page	3381/2852
Instrument	3022673

Lender

Name	DOVENMUEHLE MORTGAGE INC
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 24, 2021
Property Address	3571 SE COBIA WAY, STUART, FL 34997-3105
Document Number	0032511159
Book / Page	3251 / 1159
Map Reference	MB 8 PG 52
Instrument Date	Aug 20, 2021
Instrument	2910158
Transaction Type	Transfer
Record Updated	Sep 9, 2021
Title Company	SECURITY NATIONAL TITLE AND ESCROW, SECURITY NATIONAL T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,141.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6616 LURAIS DR, 6616, GREENACRES, FL 33463-7480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3571 SE COBIA WAY, STUART, FL 34997-3105

Mortgage

Document Number	32511161
Date	Aug 24, 2021
Instrument	3251/1161

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 25, 2020
Property Address	3571 SE COBIA WAY, STUART, FL 34997-3105
Document Number	0031522390
Book / Page	003152 / 002390
Instrument Date	Aug 10, 2020
Instrument	2833836
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6616 LURAIS DR LAKE WORTH FL 334637480, LAKE WORTH, FL 33463-7480

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 24, 2018
Property Address	3571 SE COBIA WAY, STUART, FL 34997-3105
Document Number	0029942267
Book / Page	02994 / 2267
Map Reference	MB8 PG52
Instrument Date	May 15, 2018
Instrument	2696693
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2023 SW DANFORTH CIR, 2023, PALM CITY, FL 34990-7704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6616 LURAIS DR, LAKE WORTH, FL 33463-7480

Mortgage

Document Number	0002696694
Date	May 24, 2018
Instrument	2696694

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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	$1,583.00 (-1%) Additional exemption filed	$142,689 (+5.99%)	$171,340 (+27.27%) Land $95,000 Building $76,340
2024	$1,599.00 (+2.57%)
2023	$1,559.00 (-22.9%) Additional exemption filed	$134,630 (+10.74%) Land $65,000 Building $69,630	$134,630 (+10.74%) Land $65,000 Building $69,630
2022	$2,022.00	$121,570 Land $63,000 Building $58,570	$121,570 Land $63,000 Building $58,570

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 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

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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