3650 SE Bowsprit Ct, Stuart, FL 34997 Property Records

Martin County property record for 3650 SE Bowsprit Ct, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,939 sqft · built 2001
Lot Size	1.14 acres (49,876 sqft)
Owner	2 Trust Names on File
Last Sale	$1,675,000 (Mar 2021)
Tax Bill	$24,580 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-270-000-0036.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-270-000-0036.0-0-0000`
Alternative APNs	`48-38-41-270-000-00360-0` `105128`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,939 sqft Living Area
1st Floor Area	2,262 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	49,876 sqft
View / Lot	Canal Front
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	836 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	734 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	105128
Street Address	3650 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 36
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE REEF (AKA COLONY OF ROCKY POINT)
Legal Block	1
Legal Lot Number	36
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

Owner

3650 SE Bowsprit Ct is owner-occupied and held in a trust since March 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	3650 SE BOWSPRIT CT, STUART, FL 34997-2585
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2021 · Amount on File
Deed Sale	Mar 8, 2021 · Amount on File
Prior Sale	Feb 2, 2016 · Amount on File
Deed Document Number	20212872971
Deed Book / Page	3204 / 680
Prior Transfer Date	Feb 24, 2009
Prior Transfer Doc	0023762391
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 8, 2021
Property Address	3650 SE BOWSPRIT CT, STUART, FL 34997-2585
Document Number	0032040680
Book / Page	3204 / 680
Map Reference	MB 14 PG 6
Instrument Date	Mar 1, 2021
Instrument	2872971
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 WALNUT ST # 1436, 411, GREEN COVE SPRINGS, FL 32043-3443

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 20018, FOUNTAIN HILLS, AZ 85269-0018

Mortgage

Document Number	0003204681
Date	Mar 8, 2021
Instrument	3204/681

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3650 SE Bowsprit Ct was $24,580 with a homeowner's exemption, down 1.1% from the year before.

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	$24,580.00 (-1.07%) Homeowner's exemption	$1,572,249	$2,149,960 Land $1,350,000 Building $799,960
2024	$24,845.00 (+1.54%)
2023	$24,469.00 (+3.31%) Additional exemption filed	$1,483,436 (+3%)	$1,696,670 (+17.81%) Land $990,000 Building $706,670
2022	$23,686.00 Homeowner's exemption	$1,440,230 Land $900,000 Building $540,230	$1,440,230 Land $900,000 Building $540,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3650 SE Bowsprit Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3650 SE Bowsprit Ct is low, with a 0.03% annual chance of 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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