Martin County property record for 3809 SE Lower St, Stuart, FL 34997 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,857 sqft Living Area |
| Lot Size | 14,985 sqft (0.344 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $19,000 (2002) |
| Tax Bill | $2,125.00 (2024) |
| Primary APN | 36-38-41-004-019-00220-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,857 sqft Living Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Elevator | Elevator |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Concrete Blocks Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 14,985 sqft (0.344 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 870 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 333 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 32293 |
|---|---|
| Street Address | 3809 SE LOWER ST |
| City | STUART |
| State | FL |
| Zip | 34997-8151 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOTS 22 & 23 BLK S VISTA SALERNO REVISED |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 36 |
| Legal Subdivision | VISTA SALERNO REVISED |
| Legal Block | S |
| Legal Lot Number | 22-23 23 |
| Jurisdiction | MARTIN FL |
| Minor Civil Division | PORT SALERNO-HOBE SOUND |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 1108 |
Source: Martin County records · APN 36-38-41-004-019-00220-8
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3809 SE LOWER ST, STUART, FL 34997-8151 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 22, 2002 · Amount on Record |
| Deed Sale | May 22, 2002 · Amount on Record |
| Deed Doc Number | 0001648258 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 3809 SE LOWER ST, STUART, FL 34997-8151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029401166 |
|---|---|
| Date | Aug 01, 2017 |
| Book Page | 02940/1166 |
| Instrument | 2648175 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34994 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
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 | $147,835 (+5.99%) | $448,080 (+7.34%) Land $162,500 Building $285,580 | |
| 2024 | $2,125.00 (+3.06%) | ||
| 2023 | $2,062.00 (+4.35%) Additional exemption filed | $139,485 (+3%) | $417,450 (+26.27%) Land $162,500 Building $254,950 |
| 2022 | $1,976.00 Homeowner's exemption | $135,423 | $330,590 Land $150,940 Building $179,650 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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