3593 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3593 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	$217,000 (Mar 2023)
Tax Bill	$2,365 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-006-0004.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-006-0004.0-2-0000`
Alternative APNs	`55-38-41-740-006-00040-2` `45517`

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 1996
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	45517
Street Address	3593 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 F-4
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	F-4
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	3593 SE COBIA WAY, STUART, FL 34997-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Warranty Deed, Transfer · Conventional Mortgage AFFINITY FCU
Jun 7, 2021	Warranty Deed, Transfer · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Jun 7, 2021 · Amount on Record
Deed Document Number	20233009029
Deed Book / Page	3366 / 2832
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 30, 2023
Property Address	3593 SE COBIA WAY, STUART, FL 34997-3107
Document Number	0033662832
Book / Page	3366 / 2832
Map Reference	MB 8 PG 52
Instrument Date	Mar 28, 2023
Instrument	3009029
Transaction Type	Transfer
Record Updated	Apr 21, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,519.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	839 LEYLAND LN, EVANS, GA 30809-0109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3593 SE COBIA WAY, STUART, FL 34997-3107

Mortgage

Document Number	0033662835
Date	Mar 30, 2023
Book Page	3366/2835
Instrument	3009030

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 7, 2021
Property Address	3593 SE COBIA WAY, STUART, FL 34997-3107
Document Number	0032302351
Book / Page	3230 / 2351
Map Reference	MB 8 PG 52
Instrument Date	May 28, 2021
Instrument	2893700
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	PROPERTY TRANSFER SERVICES INC, PROPERTY TRANSFER SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15672 NW 12TH TER, 15672, OKEECHOBEE, FL 34972-0938

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3593 SE COBIA WAY, STUART, FL 34997-3107

Mortgage

Document Number	32302353
Date	Jun 7, 2021
Instrument	3230/2353

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$2,365.00 (-1.05%) Additional exemption filed	$192,309 (+53.58%)	$204,930 (+52.22%) Land $95,000 Building $109,930
2024	$2,390.00 (+70.47%)
2023	$1,402.00 (+4.63%) Additional exemption filed	$125,217 (+3%)	$134,630 (+10.74%) Land $65,000 Building $69,630
2022	$1,340.00 Homeowner's exemption	$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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