3584 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3584 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 (Jan 2023)
Tax Bill	$2,505 (2024)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-004-00030-9`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-004-00030-9`
Alternative APN	`45508`

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 2001
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
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

Account Number	45508
Street Address	3584 SE COBIA WAY
City	STUART
State	FL
Zip	34997-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVE PLACE LOT D-3
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Lot Number	D
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 · APN 55-38-41-740-004-00030-9

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
Co-owner	Verified Secondary Owner
Mailing Address	3584 SE COBIA WAY, STUART, FL 34997-3106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2023 · Amount on Record
Deed Sale	Jan 04, 2023 · Amount on Record
Prior Sale	Jun 21, 2012 · Amount on Record
Deed Document Number	0003353248
Deed Book / Page	3353 / 248
Record Updated	Jun 08, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 04, 2023
Property Address	3584 SE COBIA WAY, STUART, FL 34997-3106
Document Number	0033530248
Book / Page	3353 / 248
Map Reference	MB 8 PG 52
Instrument Date	Jan 03, 2023
Instrument	2996075
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5687 SW MOORE ST, PALM CITY, FL 34990-8324

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3584 SE COBIA WAY, STUART, FL 34997-3106

Mortgage

Document Number	0003353250
Date	Jan 04, 2023
Instrument	3353/250

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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		$199,553 (+211.86%)	$212,570 (+60.39%) Land $95,000 Building $117,570
2024	$2,505.00 (+69.95%)
2023	$1,474.00 (+10.25%)	$63,987 (+1%)	$132,530 (+10.59%) Land $65,000 Building $67,530
2022	$1,337.00	$58,170	$119,840 Land $63,000 Building $56,840

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.