3954 SE Topsail Ct, Stuart, FL 34997 Property Records

Martin County property record for 3954 SE Topsail Ct, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,438 sqft · built 1982
Lot Size	0.483 acres (21,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Sep 2007)
Tax Bill	$11,073 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`52-38-41-011-000-0004.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`52-38-41-011-000-0004.0-4-0000`
Alternative APNs	`52-38-41-011-000-00040-4` `42654`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,864 sqft Living Area
Gross Area	5,164 sqft
1st Floor Area	2,864 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	21,039 sqft (0.483 acres)
Garage Type	Attached
Garage Area	1,171 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	104 sqft
Porch	Screened Concrete Masonry Porch
Porch Area	621 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	42654
Street Address	3954 SE TOPSAIL CT
City	STUART
State	FL
Zip	34997-6135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3A
Legal Description	MARINER CAY LOT 4
Legal Range	41E
Legal Township	38S
Legal Section	52
Legal Subdivision	MARINER CAY
Legal Block	3
Legal Lot Number	4
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3002
Census Tract	1301

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	3954 SE TOPSAIL CT, STUART, FL 34997-6135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2007 · Amount on Record
Deed Sale	Sep 25, 2007 · Amount on Record
Prior Sale	Mar 19, 1996 · Amount on Record
Deed Document Number	20072040875
Deed Book / Page	2280 / 2227
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3954 SE TOPSAIL CT, STUART, FL 34997-6135
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3954 SE TOPSAIL CT, STUART, FL 34997-6135

Mortgage

Document Number	0034091643
Date	Dec 4, 2023
Book Page	3409/1643
Instrument	3047598

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	356 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3954 SE TOPSAIL CT, STUART, FL 34997-6135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3954 SE TOPSAIL CT, STUART, FL 34997-6135

Mortgage

Document Number	0031501422
Date	Aug 14, 2020
Book Page	3150/1422
Instrument	2831991

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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	$11,073.00 (+17.04%) Homeowner's exemption	$714,171 (+24.75%)	$1,158,250 (+10.44%) Land $805,000 Building $353,250
2024	$9,461.00 (+1.76%)
2023	$9,297.00 (+3.43%) Additional exemption filed	$572,463 (+3%)	$1,048,720 (+20.62%) Land $805,000 Building $243,720
2022	$8,989.00 Homeowner's exemption	$555,790	$869,430 Land $690,000 Building $179,430

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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

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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