3980 NE Joes Point Rd, Stuart, FL 34996 Property Records

Martin County property record for 3980 NE Joes Point Rd, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,681 sqft · built 1985
Lot Size	0.286 acres (12,458 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (Jul 2021)
Tax Bill	$17,641 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`24-37-41-003-000-0039.0-1-0000`

Property Details

APN / Parcel Number

Primary APN	`24-37-41-003-000-0039.0-1-0000`
Alternative APNs	`24-37-41-003-000-00390-1` `3430`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,681 sqft Living Area
Gross Area	3,347 sqft
1st Floor Area	1,183 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,458 sqft (0.286 acres)
Lot Dimensions	100 ft deep x 78 ft wide
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Concrete/Masonry Porch
Porch Area	1,503 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	3430
Street Address	3980 NE JOES POINT RD
City	STUART
State	FL
Zip	34996-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	JOES POINT LOT 39
Legal Range	41E
Legal Township	37S
Legal Section	24
Legal Subdivision	JOES POINT
Legal Block	2
Legal Lot Number	39
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2013
Census Tract	100

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	Individual Name on Record
Mailing Address	3980 NE JOES POINT RD, STUART, FL 34996-1420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2026	Deed of Trust, Mortgage · Commercial Mortgage NORTHERN BANK & TRUST CO
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Jul 6, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2021 · Amount on Record
Deed Sale	Jul 6, 2021 · Amount on Record
Prior Sale	Aug 31, 1998 · Amount on Record
Deed Document Number	20212900205
Deed Book / Page	3238 / 2428
Prior Transfer Date	Jun 2, 2008
Prior Transfer Doc	0023331356
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3980 NE JOES POINT RD, STUART, FL 34996-1420
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 NE JOES POINT RD, STUART, FL 34996-1420

Mortgage

Document Number	0035482859
Date	Feb 16, 2026
Book Page	3548/2859
Instrument	3170605

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank
Address	WOBURN, MA 01801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	3980 NE JOES POINT RD, STUART, FL 34996-1420
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 NE JOES POINT RD, STUART, FL 34996-1420

Mortgage

Document Number	0033340984
Date	Sep 2, 2022
Book Page	3334/984
Instrument	2978978

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 29, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 6, 2021
Property Address	3980 NE JOES POINT RD, STUART, FL 34996-1420
Document Number	0032382428
Book / Page	3238 / 2428
Map Reference	MB 7 PG 91
Instrument Date	Jul 6, 2021
Instrument	2900205
Transaction Type	Transfer
Record Updated	Aug 2, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5400 WALKING STICK LN, 5400, CHARLESTON, SC 29420-6883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 NE JOES POINT RD, STUART, FL 34996-1420

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	$17,641.00 (-0.98%) Homeowner's exemption	$1,118,559 (+5.99%)	$1,181,740 (-13.88%) Land $928,200 Building $253,540
2024	$17,816.00 (+1.54%)
2023	$17,546.00 (+3.86%) Additional exemption filed	$1,055,374 (+3.64%)	$1,372,280 (+34.77%) Land $877,500 Building $494,780
2022	$16,894.00 Homeowner's exemption	$1,018,260 Land $620,100 Building $398,160	$1,018,260 Land $620,100 Building $398,160

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 260 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,495 units insured incl. 1,235 condo units
Nearby Flood Claims	189 (1984–2024)
Claims Outside the SFHA	94 of 189
Most Recent Claim	May 2024 · other causes
Claims by Event	Hurricane Matthew, Oct 2016 · 6 claims Hurricane Wilma, Oct 2005 · 10 claims Hurricane Frances, Sep 2004 · 101 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	0.01% annual chance
Exposure	None beyond ember reach

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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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