4015 SE Bay Ave, Stuart, FL 34997 Property Records

Martin County property record for 4015 SE Bay Ave, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,600 sqft · built 2020
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (May 2019)
Tax Bill	$9,113 (2024)
Deeds & Mortgages	Dec 2022 Transfer May 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-008-000-0155.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-008-000-0155.0-7-0000`
Alternative APNs	`48-38-41-008-000-01550-7` `38710`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,600 sqft Finished Area
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4015 SE BAY AVE
City	STUART
State	FL
Zip	34997-3413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	LOT 155 FIRST MAP OF ROCKY POINT ESTATES ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 3 PAGE 61 PUBLIC RECORDS OF MARTIN COUNTY FLORIDA AND AN UNDIVIDED 1/195TH INTEREST IN LOT 200 (THE PARK)
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	ROCKY POINT ESTATES
Legal Block	1
Legal Lot Number	155
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

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	4015 SE BAY AVE, STUART, FL 34997-3413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
May 8, 2020	Loan Modification, Mortgage · Conventional Mortgage GIZMIC LLC
Mar 17, 2020	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE
May 28, 2019	Warranty Deed, Transfer · Construction Mortgage JILL A BROTHERTON
Apr 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIMS INVS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2019 · Amount on Record
Deed Sale	May 28, 2019 · Amount on Record
Prior Sale	May 20, 2009 · Amount on Record
Deed Document Number	20192756717
Deed Book / Page	3061 / 1090
Last Transfer Date	Dec 14, 2022
Transfer Doc	0033501526
Record Updated	Jun 8, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Dec 15, 2022
Property Address	4015 SE BAY AVE, STUART, FL 34997-3413
Document Number	0033501526
Book / Page	3350 / 1526
Map Reference	MB 3 PG 61
Instrument Date	Dec 14, 2022
Instrument	2993725
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4015 SE BAY AVE, STUART, FL 34997-3413

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	4015 SE BAY AVE, STUART, FL 34997-3413

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Property Address	4015 SE BAY AVE, STUART, FL 34997-3413
Document Number	0031301288
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0031301288
Date	May 20, 2020
Book Page	003130/001288
Instrument	2815741

Lender

Name	GIZMIC LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 19, 2021

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 17, 2020
Property Address	4015 SE BAY AVE, STUART, FL 34997-3413
Document Number	0031180515
Book / Page	3118 / 515
Instrument Date	Mar 9, 2020
Instrument	2805741
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031180516
Date	Mar 17, 2020
Book Page	3118/516
Instrument	2805742

Lender

Name	KELLER MORTGAGE
Type	Mortgage Company
Address	4725 LAKEHURST CT # 400, DUBLIN, OH 43016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 28, 2019
Property Address	4015 SE BAY AVE, STUART, FL 34997-3413
Document Number	0030611090
Book / Page	003061 / 001090
Instrument Date	Apr 24, 2019
Instrument	2756717
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1067 PALM CITY FL 349911067, PALM CITY, FL 34991-1067

Mortgage

Document Number	30611091
Date	May 28, 2019
Book Page	003061/001091
Instrument	2756718

Lender

Name	JILL A BROTHERTON
Address	213 SE OCEAN BLVD, STUART, FL 34994-2218

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 27, 2020

Interest

Rate	12%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4015 SE BAY AVE, STUART, FL 34997-3413
Document Number	0030592073
Instrument Date	Apr 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5596 SE ORANGE ST STUART FL 34997, STUART, FL 34997

Mortgage

Document Number	0030592073
Date	May 20, 2019
Book Page	003059/002073
Instrument	2755437

Lender

Name	SIMS INVS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 19, 2034

Tax Assessment & Valuation

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

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		$585,905 (+5.99%)	$1,019,980 (+22.56%) Land $250,000 Building $769,980
2024	$9,113.00 (+1.79%)
2023	$8,953.00 (+3.47%) Additional exemption filed	$552,809 (+3%)	$832,230 (+14.65%) Land $250,000 Building $582,230
2022	$8,653.00 Homeowner's exemption	$536,708	$725,910 Land $256,800 Building $469,110

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 167 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	253 units insured incl. 86 condo units
Nearby Flood Claims	16 (1994–2025)
Claims Outside the SFHA	6 of 16
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 5 claims Severe Flooding, Oct 1995 · 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	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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