Martin County property record for 395 SW Lost River Rd, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,250 sqft · built 2007 |
| Lot Size | 0.578 acres (25,178 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $650,000 (Nov 2010) |
| Tax Bill | $9,034 (2024) |
| Deeds & Mortgages | Apr 2020 Mortgage Sep 2018 Loan Modification |
| Flood Zone | Zone X (moderate risk) |
| APN | 55-38-41-412-000-0017.0-0-0000 |
| Primary APN | 55-38-41-412-000-0017.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,250 sqft Living Area |
| Gross Area | 3,879 sqft |
| 1st Floor Area | 3,250 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 25,178 sqft (0.578 acres) |
| Garage Type | Attached |
| Garage Area | 629 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Porch | Open Porch |
| Porch Area | 297 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 395 SW LOST RIVER RD |
|---|---|
| City | STUART |
| State | FL |
| Zip | 34997-6295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS3 |
| Legal Description | LOT 17 LOST RIVER MANORS PH 3 OF LOST RIVER (PB 16 PG 14) |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 55 |
| Legal Subdivision | LOST RIVER MANORS |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1103 |
Source: Martin County records, as of August 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 395 SW LOST RIVER RD, STUART, FL 34997-6295 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Apr 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 27, 2018 | Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2010 · Amount on Record |
| Deed Sale | Nov 1, 2010 · Amount on Record |
| Prior Sale | Nov 6, 2007 · Amount on Record |
| Deed Document Number | 20102240903 |
| Deed Book / Page | 2483 / 2676 |
| Last Transfer Date | Jun 25, 2025 |
| Transfer Doc | 0035070367 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 395 SW LOST RIVER RD, STUART, FL 34997-6295 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0031212716 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 3121/2716 |
| Instrument | 2808677 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 395 SW LOST RIVER RD, STUART, FL 34997-6295 |
| Document Number | 0030202262 |
| Instrument Date | Sep 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 395 SW LOST RIVER RD STUART FL 349976295, STUART, FL 34997-6295 |
| Document Number | 0030202262 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 003020/002262 |
| Instrument | 2719737 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2048 |
Source: Martin County assessment roll, as of August 27, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $586,097 (+5.99%) | $1,213,370 (-5.6%) Land $550,000 Building $663,370 | |
| 2024 | $9,034.00 (+1.81%) | ||
| 2023 | $8,873.00 (+3.51%) Additional exemption filed | $552,991 (+3%) | $1,285,370 (+37.72%) Land $605,000 Building $680,370 |
| 2022 | $8,572.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $536,885 | $933,320 Land $418,000 Building $515,320 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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 186 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 218 units insured incl. 32 condo units |
| Nearby Flood Claims | 170 (1979–2025) |
| Claims Outside the SFHA | 25 of 170 |
| Most Recent Claim | Oct 2025 · other causes |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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