3603 SE Cobia Way, Stuart, FL 34997 Property Records

Martin County property record for 3603 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	2 Individual Names on Record
Last Sale	$110,900 (Jul 2019)
Tax Bill	$1,033 (2024)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-740-007-0002.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-740-007-0002.0-4-0000`
Alternative APNs	`55-38-41-740-007-00020-4` `45519`

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	Composition Shingle
Lot Area	1,394 sqft (0.032 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3603 SE COBIA WAY
City	STUART
State	FL
Zip	34997-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	COVE PLACE LOT G-2
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	COVE PLACE
Legal Block	2
Legal Lot Number	G-2
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 August 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3603 SE COBIA WAY, STUART, FL 34997-3108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2019	Warranty Deed, Transfer · Conventional Mortgage EQUITY RSRCS
Jun 14, 2019	Correction Deed FIRST INT'L TITLE-FT PIERCE BR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2019 · Amount on Record
Deed Sale	Jul 10, 2019 · Amount on Record
Prior Sale	Jul 9, 1997 · Amount on Record
Deed Document Number	20192764192
Deed Book / Page	3070 / 334
Prior Transfer Date	Mar 10, 2010
Prior Transfer Doc	0024470398
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 10, 2019
Property Address	3603 SE COBIA WAY, STUART, FL 34997-3108
Document Number	0030700334
Book / Page	003070 / 000334
Instrument Date	Jun 24, 2019
Instrument	2764192
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$776.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 COUNTY ROAD 127 WHITESBORO TX 762733968, WHITESBORO, TX 76273-3968

Mortgage

Document Number	30700336
Date	Jul 10, 2019
Book Page	003070/000336
Instrument	2764193

Lender

Name	EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2049

June 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 14, 2019
Property Address	3603 SE COBIA WAY, STUART, FL 34997-3108
Document Number	0030651128
Book / Page	003065 / 001128
Instrument Date	Jun 6, 2019
Instrument	2760112
Record Updated	Jul 17, 2019
Title Company	FIRST INT'L TITLE-FT PIERCE BR

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3142 SE YAMHILL ST PORTLAND OR 972144045, PORTLAND, OR 97214-4045

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		$107,188 (+5.99%)	$171,340 (+27.27%) Land $95,000 Building $76,340
2024	$1,033.00 (+3.2%)
2023	$1,001.00 (+5.26%) Additional exemption filed	$101,134 (+3%)	$134,630 (+10.74%) Land $65,000 Building $69,630
2022	$951.00 Homeowner's exemption	$98,189	$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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