3581 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3581 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	$178,000 (May 2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-009-0001.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-009-0001.0-2-0000`
Alternative APNs	`55-38-41-740-009-00010-2` `45526`

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	45526
Street Address	3581 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 I-1
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	I-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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3581 SE COBIA WAY, STUART, FL 34997-3106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
May 21, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Dec 3, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Dec 3, 2021 · Amount on Record
Deed Document Number	20263187198
Deed Book / Page	3568 / 742
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 21, 2026
Property Address	3581 SE COBIA WAY, STUART, FL 34997-3106
Document Number	0035680742
Book / Page	3568 / 742
Instrument Date	May 19, 2026
Instrument	20263187198
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	PRESTIGE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$125,846.00
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	0003187199,
Date	May 21, 2026
Instrument	20263187199

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0003187200,
Date	May 21, 2026
Book Page	3568/763
Instrument	20263187200

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 21, 2026
Property Address	3581 SE COBIA WAY, STUART, FL 34997-3106
Document Number	0003187198
Book / Page	3568 / 742
Instrument Date	May 19, 2026
Instrument	20263187198
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	PRESTIGE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$125,846.00
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	0003187199,
Date	May 21, 2026
Instrument	20263187199

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

Mortgage

Document Number	0003187200,
Date	May 21, 2026
Book Page	3568/763
Instrument	20263187200

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 3, 2021
Property Address	3581 SE COBIA WAY, STUART, FL 34997-3106
Document Number	0032761592
Book / Page	3276 / 1592
Map Reference	MB 8 PG 52
Instrument Date	Nov 18, 2021
Instrument	2929632
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	6768 SE AMYRIS CT, 6768, STUART, FL 34997-2213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3581 SE COBIA WAY, STUART, FL 34997-3106

Mortgage

Document Number	0032761594
Date	Dec 3, 2021
Instrument	3276/1594

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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		$132,713 (+5.99%)	$171,340 (+27.27%) Land $95,000 Building $76,340
2023	Additional exemption filed	$125,217	$134,630 Land $65,000 Building $69,630

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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