40 SE River Lights Ct, Stuart, FL 34996 Property Records

Martin County property record for 40 SE River Lights Ct, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,237 sqft · built 2004
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on File
Last Sale	$99,500 (Oct 2002)
Tax Bill	$3,794 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-38-41-044-000-0006.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`03-38-41-044-000-0006.0-0-0000`
Alternative APNs	`03-38-41-044-000-00060-0` `154906`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,237 sqft Living Area
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,710 sqft (0.177 acres)
View / Lot	Zero Lot Line
Garage Type	Detached
Garage Area	745 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	612 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	40 SE RIVER LIGHTS CT
City	STUART
State	FL
Zip	34996-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 6 SNUG HARBOR WEST (PB 15 PG 19)
Legal Range	41E
Legal Township	38S
Legal Section	3
Legal Subdivision	SNUG HARBOR
Legal Block	2
Legal Lot Number	6
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2001
Census Tract	902

Owner

Source: Martin County assessment roll, 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 Individual Names on File
Mailing Address	40 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 12, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
May 23, 2018	Loan Modification, Mortgage PENNYMAC
Jan 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 31, 2002 · Amount on Record
Deed Sale	Oct 31, 2002 · Amount on Record
Deed Document Number	20021610842
Deed Book / Page	1695 / 1678
Last Transfer Date	Jul 23, 2020
Transfer Doc	0031451615
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	40 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SE RIVER LIGHTS CT, STUART, FL 34996-1803

Mortgage

Document Number	0031611603
Date	Sep 29, 2020
Book Page	3161/1603
Instrument	2840377

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 27, 2020
Property Address	40 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Document Number	0031451615
Book / Page	003145 / 001615
Instrument Date	Jul 23, 2020
Instrument	2827755
Transaction Type	Transfer
Record Updated	Sep 3, 2020
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	Joint Tenants with Right of Survivorship
Address	40 SE RIVER LIGHTS CT STUART FL 349961803, STUART, FL 34996-1803

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	40 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Document Number	0030830990
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	40 SE RIVER LIGHTS CT STUART FL 349961803, STUART, FL 34996-1803

Mortgage

Document Number	0030830990
Date	Sep 18, 2019
Book Page	003083/000990
Instrument	2775424

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Property Address	40 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Document Number	0030052340
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SE RIVER LIGHTS CT STUART FL 349961803, STUART, FL 34996-1803

Mortgage

Document Number	0030052340
Date	Jul 23, 2018
Book Page	003005/002340
Instrument	2706594

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2048

Interest

Rate Type	Fixed Rate
Rate	3.62%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 25, 2017
Property Address	40 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Document Number	0029031383
Book / Page	002903 / 001383
Instrument Date	Nov 17, 2016
Instrument	2616338
Transaction Type	Transfer
Record Updated	Feb 9, 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	Living Trust
Address	40 SE RIVER LIGHTS CT STUART FL 349961803, STUART, FL 34996-1803

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Municipality	Stuart City
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$557,885 (+5.99%)	$985,540 (+1.52%) Land $360,000 Building $625,540
2024	$3,794.00 (+3.07%)
2023	$3,681.00 (+3.75%) Additional exemption filed	$526,372 (+3%)	$970,830 (+27.05%) Land $360,000 Building $610,830
2022	$3,548.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$511,041	$764,150 Land $316,200 Building $447,950

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 minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	11 (1978–2018)
Claims Outside the SFHA	4 of 11
Most Recent Claim	May 2018
Claims by Event	Hurricane Frances, Sep 2004 · 3 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	Not rated no burnable land within 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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Blue Stream.

Nearby Properties on SE River Lights Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures