3950 NE Joes Point Rd, Stuart, FL 34996 Property Records

Martin County property record for 3950 NE Joes Point Rd, Stuart, FL 34996 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,174 sqft · built 2019
Lot Size	0.264 acres (11,500 sqft)
Owner	2 Individual Names on File
Last Sale	$2,100,000 (Apr 2024)
Tax Bill	$15,386 (2024)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2024 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`24-37-41-003-000-0042.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`24-37-41-003-000-0042.0-5-0000`
Alternative APNs	`24-37-41-003-000-00420-5` `3433`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,174 sqft Living Area
Gross Area	3,805 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Attached
Garage Area	631 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3950 NE JOES POINT RD
City	STUART
State	FL
Zip	34996-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOES POINT LOT 42
Legal Range	41E
Legal Township	37S
Legal Section	24
Legal Subdivision	JOES POINT
Legal Block	2
Legal Lot Number	42
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2013
Census Tract	100

Owner

Source: Martin County records · APN 24-37-41-003-000-0042.0-5-0000

Assessment roll updated August 27, 2025 · Last verified April 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	3950 NE JOES POINT RD, STUART, FL 34996-1420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 03, 2024	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Apr 05, 2024	Warranty Deed, Transfer
Oct 02, 2018	Deed of Trust, Mortgage · Construction Mortgage SEACOAST NATIONAL BANK
Sep 25, 2019	Deed of Trust, Mortgage NAVY FCU
Jun 16, 2017	Warranty Deed, Transfer · ARM SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 03, 2024 · Amount on Record
Deed Sale	Apr 03, 2024 · Amount on Record
Prior Sale	Jun 16, 2017 · Amount on Record
Deed Document Number	20243065449
Deed Book / Page	3429 / 576
Transfer Doc	0015770419
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3950 NE JOES POINT RD, STUART, FL 34996-1420
Transaction Type	Mortgage
Record Updated	May 01, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2270 OLD NOVI RD, NOVI, MI 48377-2067

Mortgage

Document Number	0034290581
Date	Apr 03, 2024
Book Page	3429/581
Instrument	3065451

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	7 EASTON OVAL, COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 01, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.4%
Index	Other
Margin	3
Max Rate	11.4%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 05, 2024
Property Address	3950 NE JOES POINT RD, STUART, FL 34996-1420
Document Number	0034292016
Book / Page	3429 / 2016
Map Reference	MB 5 PG 54
Instrument Date	Apr 04, 2024
Instrument	3065853
Transaction Type	Transfer
Record Updated	May 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3950 NE JOES POINT RD, STUART, FL 34996-1420

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3950 NE JOES POINT RD, STUART, FL 34996-1420
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030190037
Date	Oct 02, 2018
Book Page	03019/0037
Instrument	2718290

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3950 NE JOES POINT RD, STUART, FL 34996-1420
Document Number	0030852769
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15901 LISBON CT WELLINGTON FL 334141075, WELLINGTON, FL 33414-1075

Mortgage

Document Number	0030852769
Date	Oct 01, 2019
Book Page	003085/002769
Instrument	2777457

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 16, 2017
Property Address	3950 NE JOES POINT RD, STUART, FL 34996-1420
Document Number	0029320096
Book / Page	02932 / 0096
Map Reference	MB7 PG91
Instrument Date	Jun 13, 2017
Instrument	2641039
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	COUNSELORS TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,583.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60 SPOON LN, 60, COTO DE CAZA, CA 92679-4924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15901 LISBON CT, WELLINGTON, FL 33414-1075

Mortgage

Document Number	0002641041
Date	Jun 16, 2017
Instrument	2641041

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jul 01, 2022
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.62%
Index	1-Year CMT
Max Rate	8.62%

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,909,630 (+109.07%) Land $787,500 Building $1,122,130	$1,909,630 (+28.37%) Land $787,500 Building $1,122,130
2024	$15,386.00 (+1.57%)
2023	$15,148.00 (+3.7%) Additional exemption filed	$913,373 (+3.47%)	$1,487,600 (+36.13%) Land $618,750 Building $868,850
2022	$14,608.00 Homeowner's exemption	$882,751	$1,092,810 Land $445,200 Building $647,610

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 120850001002, 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 AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 260 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,495 units insured 1,235 under condo master policies
Nearby Flood Claims	189 (1984–2024)
Claims Outside the SFHA	94 of 189
Most Recent Claim	May 2024, other causes
Claims By Storm	Hurricane Matthew, Oct 2016 · 6 claims Hurricane Wilma, Oct 2005 · 10 claims Hurricane Frances, Sep 2004 · 101 claims

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 3,030 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 44 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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