386 SE Cardinal Trl, Stuart, FL 34997 Property Records

Martin County property record for 386 SE Cardinal Trl, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,409 sqft · built 1978
Lot Size	0.282 acres (12,284 sqft)
Owner	2 Individual Names on Record
Last Sale	$303,000 (Dec 2019)
Tax Bill	$2,330 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`04-39-41-003-000-0055.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`04-39-41-003-000-0055.0-5-0000`
Alternative APNs	`04-39-41-003-000-00550-5` `439410030000055050000` `60651`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,409 sqft Living Area
Gross Area	2,180 sqft
1st Floor Area	1,409 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,284 sqft (0.282 acres)
Garage Type	Attached
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Concrete/Masonry Porch
Porch Area	356 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	60651
Street Address	386 SE CARDINAL TRL
City	STUART
State	FL
Zip	34997-7304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	SOUTH RIVER COLONY UNREC LOT 55 OR 332/1267
Legal Range	41E
Legal Township	39S
Legal Section	4
Legal Subdivision	SOUTH RIVER COLONY
Legal Block	2
Legal Lot Number	55
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2022
Census Tract	1108

Owner

Source: Martin County records, as of September 29, 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 Record
Mailing Address	386 SE CARDINAL TRL, STUART, FL 34997-7304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 12, 2019	Warranty Deed, Transfer · Conventional Mortgage GROUP ONE MORTGAGE INC
Apr 3, 2018	Warranty Deed, Transfer MARINER TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2019 · Amount on Record
Deed Sale	Dec 12, 2019 · Amount on Record
Prior Sale	Apr 3, 2018 · Amount on Record
Deed Document Number	20192789578
Deed Book / Page	3099 / 2865
Prior Transfer Date	Mar 3, 2005
Prior Transfer Doc	0019872086
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	386 SE CARDINAL TRL, STUART, FL 34997-7304
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 SE CARDINAL TRL, STUART, FL 34997-7304

Mortgage

Document Number	0032030357
Date	Mar 4, 2021
Book Page	3203/357
Instrument	2872152

Lender

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

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 12, 2019
Property Address	386 SE CARDINAL TRL, STUART, FL 34997-7304
Document Number	0030992865
Book / Page	3099 / 2865
Map Reference	MB 337 PG 2114
Instrument Date	Dec 10, 2019
Instrument	2789578
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTH FL TTL INSURERS OF PAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,121.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 654, HAINES, AK 99827-0654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 SE CARDINAL TRL, STUART, FL 34997-7304

Mortgage

Document Number	0030992867
Date	Dec 12, 2019
Instrument	3099/2867

Lender

Name	GROUP ONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 3, 2018
Property Address	386 SE CARDINAL TRL, STUART, FL 34997-7304
Document Number	0029840275
Book / Page	002984 / 000275
Instrument Date	Mar 29, 2018
Instrument	2686872
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	MARINER TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,876.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 654 HAINES AK 998270654, HAINES, AK 99827-0654

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	$2,330.00 Homeowner's exemption	$160,620 (+5.99%)	$389,560 (+11.55%) Land $200,000 Building $189,560
2024	$2,330.00 (+2.96%)
2023	$2,263.00 (+4.24%) Additional exemption filed	$151,548 (+3%)	$349,210 (+7.1%) Land $185,000 Building $164,210
2022	$2,171.00 Homeowner's exemption	$147,134	$326,060 Land $188,700 Building $137,360

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 247 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% 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	SOUTH FORK HOMEOWNER UTIL CORP private · serves 200 people · EPA ID FL4430484
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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