3808 SE Lower St, Stuart, FL 34997 Property Records

Martin County property record for 3808 SE Lower St, Stuart, FL 34997 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1985
Square Footage	1,050 sqft Living Area
Lot Size	15,159 sqft (0.348 acres)
Occupancy	Owner Occupied
Last Sale	$253,500 (2019)
Tax Bill	$3,502.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`36-38-41-004-020-00160-8`
Alternative APN	`32312`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	2 Rooms
Building Area	1,050 sqft Living Area
1st Floor	1,050 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Elevator	Elevator

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1985
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	15,159 sqft (0.348 acres)
Parking Spaces	4 Parking Spaces
Garage Type	Detached Garage
Garage Area	1,100 sqft Garage
Porch	1 Porch
Porch Area	360 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	32312
Street Address	3808 SE LOWER ST
City	STUART
State	FL
Zip	34997-8150
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	VISTA SALERNO REVISED LOTS 16 & 17 BLK T
Legal Range	41E
Legal Township	38S
Legal Section	36
Legal Subdivision	VISTA SALERNO REVISED
Legal Block	T
Legal Lot Number	16-17 17
Jurisdiction	MARTIN FL
Minor Civil Division	PORT SALERNO-HOBE SOUND
Census Blockgroup	2
Census Block	2003
Census Tract	1108

Owner

Source: Martin County records · APN 36-38-41-004-020-00160-8

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3808 SE LOWER ST, STUART, FL 34997-8150
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 05, 2019 · Amount on Record
Deed Sale	Apr 05, 2019 · Amount on Record
Prior Sale	May 23, 1994 · Amount on Record
Deed Doc Number	0000305166
Deed Book / Page	3051 / 66
Record Refreshed	Jun 08, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 05, 2019
Property Address	3808 SE LOWER ST, STUART, FL 34997-8150
Document Number	0030510066
Book / Page	3051 / 0066
Map Reference	MB 3 PG 1
Instrument Date	Apr 05, 2019
Instrument	2747622
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SIGNATURE TITLE FL PARTNERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,774.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3809 SE LOWER ST, 3809, STUART, FL 34997-8151

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3808 SE LOWER ST, STUART, FL 34997-8150

Mortgage

Document Number	0002747623
Date	Apr 05, 2019
Instrument	2747623

Lender

Name	VELOCITY COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2034

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$234,174 (+5.99%)	$298,200 (+3.06%) Land $162,500 Building $135,700
2024	$3,502.00 (+2.4%)
2023	$3,420.00 (+3.89%) Additional exemption filed	$220,947 (+3%)	$289,360 (+18.76%) Land $162,500 Building $126,860
2022	$3,292.00 Homeowner's exemption	$214,512	$243,650 Land $150,940 Building $92,710

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 472 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.