Martin County property record for 4035 SE Bay Ave, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,150 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $658,000 (Jun 2019) |
| Tax Bill | $9,460 (2024) |
| Deeds & Mortgages | Jan 2021 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-38-41-009-000-0090.0-5-0000 |
| Primary APN | 48-38-41-009-000-0090.0-5-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 3,150 sqft Living Area |
| Gross Area | 4,500 sqft |
| Utility Room | Utility Room |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 1,350 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,575 sqft |
| Deck Area | 405 sqft |
| Patio Area | 855 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4035 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 90 SECOND MAP OF ROCKY POINT ESTATES ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 3 PAGE 63 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 | 90 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1302 |
Source: Martin County records · APN 48-38-41-009-000-0090.0-5-0000
Assessment roll updated August 27, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 4035 SE BAY AVE, STUART, FL 34997-3413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2021 | Deed of Trust, Mortgage · Line of Credit ALLIANT CU |
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 28, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on Record |
| Deed Sale | Jun 28, 2019 · Amount on Record |
| Prior Sale | Sep 23, 2016 · Amount on Record |
| Deed Document Number | 20192762631 |
| Deed Book / Page | 3068 / 1047 |
| Prior Transfer Date | Mar 05, 2013 |
| Prior Transfer Doc | 0026360842 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4035 SE BAY AVE, STUART, FL 34997-3413 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 23520 WALDEN CENTER DR 103, 103, ESTERO, FL 34134-3405 |
| Document Number | 0031912663 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 3191/2663 |
| Instrument | 2863595 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4035 SE BAY AVE, STUART, FL 34997-3413 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 4035 SE BAY AVE, STUART, FL 34997-3413 |
| Document Number | 0031912650 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 3191/2650 |
| Instrument | 2863594 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Jun 28, 2019 |
| Property Address | 4035 SE BAY AVE, STUART, FL 34997-3413 |
| Document Number | 0030681047 |
| Book / Page | 3068 / 1047 |
| Map Reference | MB 3 PG 63 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 2762631 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,606.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4035 SE BAY AVE, 4035, STUART, FL 34997-3413 |
| Name | Verified Name |
|---|---|
| Address | 23520 WALDEN CENTER DR APT 103, 103, ESTERO, FL 34134-3405 |
| Document Number | 0030681049 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 3068/1049 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $607,689 (+5.99%) | $1,093,530 (+27.18%) Land $250,000 Building $843,530 | |
| 2024 | $9,460.00 (+1.76%) | ||
| 2023 | $9,296.00 (+3.46%) Additional exemption filed | $573,363 (+3%) | $859,820 (+14.6%) Land $240,000 Building $619,820 |
| 2022 | $8,985.00 Homeowner's exemption | $556,664 | $750,290 Land $246,100 Building $504,190 |
Source: FEMA National Flood Hazard Layer as of April 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 147 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MARTIN CO UTILITIES serves 104,105 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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