3953 SE Topsail Ct, Stuart, FL 34997 Property Records

Martin County property record for 3953 SE Topsail Ct, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,479 sqft · built 2021
Lot Size	0.339 acres (14,767 sqft)
Owner	2 Individual Names on File
Last Sale	$4,308,000 (Mar 2023)
Tax Bill	$43,655 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2023 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`52-38-41-011-000-0007.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`52-38-41-011-000-0007.0-7-0000`
Alternative APNs	`52-38-41-011-000-00070-7` `42657`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,479 sqft Living Area
Gross Area	4,277 sqft
1st Floor Area	2,399 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	14,767 sqft (0.339 acres)
Garage Type	Attached
Garage Area	798 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	375 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	1,338 sqft
Deck Area	695 sqft
Patio Area	695 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	42657
Street Address	3953 SE TOPSAIL CT
City	STUART
State	FL
Zip	34997-6135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	MARINER CAY LOT 7
Legal Range	41E
Legal Township	38S
Legal Section	52
Legal Subdivision	MARINER CAY
Legal Block	3
Legal Lot Number	7
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3002
Census Tract	1301

Owner

3953 SE Topsail Ct is owned and occupied by two individuals who bought it in March 2023.

Source: Martin County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3953 SE TOPSAIL CT, STUART, FL 34997-6135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Warranty Deed, Transfer · Conventional Mortgage GATEWAY CAPITAL MORTGAGE INC
Jan 26, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 4, 2018	Warranty Deed, Transfer NETWORK CLOSING SERVICES INC
Mar 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Jun 4, 2018 · Amount on File
Deed Document Number	20233009162
Deed Book / Page	3367 / 246
Prior Transfer Date	Jan 31, 2021
Prior Transfer Doc	0033560736
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 31, 2023
Property Address	3953 SE TOPSAIL CT, STUART, FL 34997-6135
Document Number	0033670246
Book / Page	3367 / 246
Map Reference	MB 5 PG 32
Instrument Date	Mar 27, 2023
Instrument	3009162
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1812 WINDSONG TRL, MERRITT ISLAND, FL 32952-2800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3953 SE TOPSAIL CT, STUART, FL 34997-6135

Mortgage

Document Number	0003367249
Date	Mar 31, 2023
Instrument	3367/249

Lender

Name	GATEWAY CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	Other
Margin	3
Max Rate	11.1%

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 26, 2023
Property Address	3953 SE TOPSAIL CT, STUART, FL 34997-6135
Document Number	0033560736
Book / Page	3356 / 736
Map Reference	MB 5 PG 32
Instrument Date	Jan 31, 2021
Instrument	2999132
Transaction Type	Transfer
Record Updated	Jan 30, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 AIRPORT RD, MERRITT ISLAND, FL 32952-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 AIRPORT RD, MERRITT ISLAND, FL 32952-3742

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 4, 2018
Property Address	3953 SE TOPSAIL CT, STUART, FL 34997-6135
Document Number	0029961482
Book / Page	002996 / 001482
Instrument Date	May 24, 2018
Instrument	2698249
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	NETWORK CLOSING SERVICES INC

Transaction

Amount	Amount on Record
Tax	$5,250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	900 AIRPORT RD MERRITT ISLAND FL 329523712, MERRITT ISLAND, FL 32952-3712

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 20, 2017
Property Address	3953 SE TOPSAIL CT, STUART, FL 34997-6135
Document Number	0029132389
Book / Page	002913 / 002389
Instrument Date	Mar 16, 2017
Instrument	2625533
Transaction Type	Transfer
Record Updated	Apr 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5232 HILLVIEW LN ORLANDO FL 328193854, ORLANDO, FL 32819-3854

Tax Assessment & Valuation

The 2025 property tax bill for 3953 SE Topsail Ct was $43,655 with a homeowner's exemption, down 1.1% from the year before.

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	$43,655.00 (-1.12%) Homeowner's exemption	$2,777,795	$2,890,300 Land $1,552,500 Building $1,337,800
2024	$44,151.00 (+35.31%)
2023	$32,629.00 (+20.47%)	$1,718,424 (+1%)	$2,307,670 (+38.41%) Land $1,150,000 Building $1,157,670
2022	$27,085.00	$1,562,204	$1,667,320 Land $920,000 Building $747,320

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3953 SE Topsail Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File median of 174 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	262 units insured incl. 88 condo units
Nearby Flood Claims	33 (1979–2022)
Claims Outside the SFHA	20 of 33
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Frances, Sep 2004 · 8 claims Hurricane Irene, Oct 1999 · 2 claims

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

Wildfire risk around 3953 SE Topsail Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 297 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
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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