3640 SE Bowsprit Ct, Stuart, FL 34997 Property Records

Martin County property record for 3640 SE Bowsprit Ct, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,611 sqft · built 2018
Lot Size	1.46 acres (63,903 sqft)
Owner	2 Company Names on Record
Last Sale	$560,000 (Dec 2012)
Tax Bill	$34,387 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Sep 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`48-38-41-270-000-0035.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-270-000-0035.0-0-0000`
Alternative APNs	`48-38-41-270-000-00350-0` `105127`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,611 sqft Living Area
Gross Area	4,187 sqft
1st Floor Area	1,494 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	63,903 sqft
View / Lot	Canal Front
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	1,292 sqft
Patio Area	760 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	105127
Street Address	3640 SE BOWSPRIT CT
City	STUART
State	FL
Zip	34997-2585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	REEF PHASE II LOT 35
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE REEF (AKA COLONY OF ROCKY POINT)
Legal Block	1
Legal Lot Number	35
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

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	2 Company Names on Record
Mailing Address	3640 SE BOWSPRIT CT, STUART, FL 34997-2585
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2012 · Amount on Record
Deed Sale	Dec 18, 2012 · Amount on Record
Prior Sale	Sep 2, 2003 · Amount on Record
Deed Document Number	20122367198
Deed Book / Page	2618 / 2576
Last Transfer Date	Nov 24, 2015
Transfer Doc	0028282782
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3640 SE BOWSPRIT CT, STUART, FL 34997-2585
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALLY PARKER BROWN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029042490
Date	Feb 1, 2017
Book Page	02904/2490
Instrument	2617508

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3640 SE BOWSPRIT CT, STUART, FL 34997-2585
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 ELLENGLEN RD, TOWSON, MD 21286-1544

Mortgage

Document Number	0031620701
Date	Sep 30, 2020
Book Page	3162/701
Instrument	2840828

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$34,387.00 (-1.1%) Homeowner's exemption	$2,194,439 (+5.99%)	$2,502,610 (+20.87%) Land $1,350,000 Building $1,152,610
2024	$34,769.00 (+1.49%)
2023	$34,257.00 (+34.7%) Additional exemption filed	$2,070,480 (+48.08%) Land $990,000 Building $1,080,480	$2,070,480 (+22.32%) Land $990,000 Building $1,080,480
2022	$25,432.00	$1,398,221	$1,692,650 Land $900,000 Building $792,650

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 167 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	253 units insured incl. 86 condo units
Nearby Flood Claims	16 (1994–2025)
Claims Outside the SFHA	6 of 16
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 5 claims Severe Flooding, Oct 1995 · 3 claims

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MARTIN CO UTILITIES serves 104,105 people · EPA ID FL4431891
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, Verizon.

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