3580 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3580 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	2 Individual Names on Record
Last Sale	$167,000 (Sep 2021)
Tax Bill	$2,864 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-004-0001.0-3-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-004-0001.0-3-0000`
Alternative APNs	`55-38-41-740-004-00010-3` `45506`

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
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,394 sqft (0.032 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3580 SE COBIA WAY
City	STUART
State	FL
Zip	34997-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	COVE PLACE LOT D-1
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	D-1
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2030
Census Tract	1200

Owner

Source: Martin County records, as of August 27, 2025

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	3580 SE COBIA WAY, STUART, FL 34997-3106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Apr 3, 2009 · Amount on Record
Deed Document Number	20212911725
Deed Book / Page	3253 / 1450
Prior Transfer Date	May 22, 2018
Prior Transfer Doc	0030031213
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 1, 2021
Property Address	3580 SE COBIA WAY, STUART, FL 34997-3106
Document Number	0032531450
Book / Page	3253 / 1450
Map Reference	MB 8 PG 52
Instrument Date	Aug 31, 2021
Instrument	2911725
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,169.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 S KANNER HWY HWYG 11, 2600, STUART, FL 34994-4640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3580 SE COBIA WAY, STUART, FL 34997-3106

Mortgage

Document Number	0032531453
Date	Sep 1, 2021
Instrument	3253/1453

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 9, 2018
Property Address	3580 SE COBIA WAY, STUART, FL 34997-3106
Document Number	0030031213
Book / Page	003003 / 001213
Instrument Date	May 22, 2018
Instrument	2704256
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	142 SE PARADISE PL STUART FL 349977328, STUART, FL 34997-7328

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

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		$188,801 (+21%)	$195,770 (+21.54%) Land $95,000 Building $100,770
2024	$2,864.00 (+8.86%)
2023	$2,631.00 (+11.48%)	$156,035 (+1%)	$161,080 (+13.56%) Land $65,000 Building $96,080
2022	$2,360.00	$141,850 Land $63,000 Building $78,850	$141,850 Land $63,000 Building $78,850

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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