3596 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3596 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	$237,000 (Apr 2024)
Tax Bill	$1,645 (2024)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-005-0004.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-005-0004.0-4-0000`
Alternative APNs	`55-38-41-740-005-00040-4` `45513`

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
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	3596 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-4
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	E-4
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	Individual Name on Record
Mailing Address	3596 SE COBIA WAY, STUART, FL 34997-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Warranty Deed, Transfer · FHA Mortgage GATEWAY FIRST BANK
Jul 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2024 · Amount on Record
Deed Sale	Apr 9, 2024 · Amount on Record
Prior Sale	Jan 13, 2010 · Amount on Record
Deed Document Number	20243066441
Deed Book / Page	3430 / 818
Prior Transfer Date	May 22, 2018
Prior Transfer Doc	0030031210
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 9, 2024
Property Address	3596 SE COBIA WAY, STUART, FL 34997-3107
Document Number	0034300818
Book / Page	3430 / 818
Map Reference	MB 8 PG 52
Instrument Date	Apr 8, 2024
Instrument	3066441
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,659.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3572 SE COBIA WAY, STUART, FL 34997-3105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3596 SE COBIA WAY, STUART, FL 34997-3107

Mortgage

Document Number	0003430824
Date	Apr 9, 2024
Instrument	3430/824

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 9, 2018
Property Address	3596 SE COBIA WAY, STUART, FL 34997-3107
Document Number	0030031210
Book / Page	003003 / 001210
Instrument Date	May 22, 2018
Instrument	2704253
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	42 SE PARADISE PL STUART FL 34997, STUART, FL 34997

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		$171,340 (+165.41%) Land $95,000 Building $76,340	$171,340 (+27.27%) Land $95,000 Building $76,340
2024	$1,645.00 (+10.25%)
2023	$1,492.00 (+10.27%)	$64,557 (+1%)	$134,630 (+10.74%) Land $65,000 Building $69,630
2022	$1,353.00	$58,689	$121,570 Land $63,000 Building $58,570

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.

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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