3819 SE Lower St, Stuart, FL 34997 Property Records

Martin County property record for 3819 SE Lower St, Stuart, FL 34997 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,005 sqft · built 1974
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Tax Bill	$6,070 (2024)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1125854`

Property Details

APN / Parcel Number

Primary APN	`1125854`
Alternative APN	`36-38-41-004-019-00200-0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,005 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1125854
Street Address	3819 SE LOWER ST
City	STUART
State	FL
Zip	34997-8151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 20 & 21 BLK S VISTA SALERNO REVISED
Legal Subdivision	VISTA SALERNO REVISED
Legal Block	S
Legal Lot Number	20-21
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2011
Census Tract	1108

Owner

Source: Martin County records · APN 1125854

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
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3819 SE LOWER ST, STUART, FL 34997-8151
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4892 VICTORIA CIR, WEST PALM BEACH, FL 33409-7839

Mortgage

Document Number	0033692592
Date	Apr 17, 2023
Book Page	3369/2592
Instrument	3011649

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

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
2024	$6,070.00 (+0.56%)
2023	$6,036.00 (+38.98%)	$336,740 (+45.12%) Land $162,500 Building $174,240	$336,740 (+37.44%) Land $162,500 Building $174,240
2022	$4,343.00	$232,041	$245,000 Land $120,730 Building $124,270

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850011082, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 247 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force 224 of 247 on primary residences
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004, rainfall accumulation, Hurricane Frances

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.