3592 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3592 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	$120,000 (Sep 2019)
Tax Bill	$2,419 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-005-0002.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-005-0002.0-8-0000`
Alternative APNs	`55-38-41-740-005-00020-8` `45511`

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)
Porch	Open Concrete/Masonry Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45511
Street Address	3592 SE COBIA WAY
City	STUART
State	FL
Zip	34997-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	COVE PLACE LOT E-2
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	E-2
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 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	3592 SE COBIA WAY, STUART, FL 34997-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Jul 21, 1993 · Amount on Record
Deed Document Number	20192776947
Deed Book / Page	3085 / 741
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 26, 2019
Property Address	3592 SE COBIA WAY, STUART, FL 34997-3107
Document Number	0030850741
Book / Page	3085 / 0741
Map Reference	MB 8 PG 52
Instrument Date	Sep 20, 2019
Instrument	2776947
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 KESTREL CT, 5, TAYLORS, SC 29687-4806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3592 SE COBIA WAY, STUART, FL 34997-3107

Mortgage

Document Number	0003085743
Date	Sep 26, 2019
Instrument	3085/743

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$2,419.00 (+5.49%)	$143,378 (+21%)	$174,190 (+26.85%) Land $95,000 Building $79,190
2024	$2,293.00 (+9.87%)
2023	$2,087.00 (+10.42%)	$118,495 (+1%)	$137,320 (+10.7%) Land $65,000 Building $72,320
2022	$1,890.00	$107,723	$124,050 Land $63,000 Building $61,050

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.

Nearby Properties on SE Cobia Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures