3641 SE Cambridge Dr, Stuart, FL 34997 Property Records

Martin County property record for 3641 SE Cambridge Dr, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,362 sqft · built 1994
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Dec 2025)
Tax Bill	$4,626 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39-38-41-003-000-0017.0-3-0000`

Property Details

APN / Parcel Number

Primary APN	`39-38-41-003-000-0017.0-3-0000`
Alternative APNs	`39-38-41-003-000-00170-3` `35752`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,362 sqft Living Area
Gross Area	3,028 sqft
1st Floor Area	2,362 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	35752
Street Address	3641 SE CAMBRIDGE DR
City	STUART
State	FL
Zip	34997-5647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	LOT 17 WILLOUGHBY PLAT NO 3 ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 11 PAGE 73 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range	41E
Legal Township	38S
Legal Section	39
Legal Subdivision	WILLOUGHBY
Legal Block	1
Legal Lot Number	17
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1003
Census Tract	1105

Owner

Source: Martin County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3641 SE CAMBRIDGE DR, STUART, FL 34997-5647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Feb 1, 2011 · Amount on Record
Deed Document Number	20253161003
Deed Book / Page	3538 / 1108
Prior Transfer Date	Oct 25, 2010
Prior Transfer Doc	0024861368
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 16, 2025
Property Address	3641 SE CAMBRIDGE DR, STUART, FL 34997-5647
Document Number	0035381108
Book / Page	3538 / 1108
Map Reference	MB 11 PG 73
Instrument Date	Dec 11, 2025
Instrument	3161003
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	ATLANTIC TITLE GROUP, ATLANTIC TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3641 SE CAMBRIDGE DR, STUART, FL 34997-5647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3641 SE CAMBRIDGE DR, STUART, FL 34997-5647

Mortgage

Document Number	0035381110
Date	Dec 16, 2025
Instrument	3538/1110

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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	$4,626.00 (-0.6%) Homeowner's exemption	$305,859 (+5.99%)	$507,960 (+12.31%) Land $155,000 Building $352,960
2024	$4,654.00 (+2.17%)
2023	$4,555.00 (+3.69%) Additional exemption filed	$288,583 (+3%)	$452,300 (+27.2%) Land $115,000 Building $337,300
2022	$4,393.00 Homeowner's exemption	$280,178	$355,580 Land $97,200 Building $258,380

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
Flood Insurance Cost	Premium on Record median of 143 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	143 in force

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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	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 120 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	100 / 20