4095 SE Bay Ave, Stuart, FL 34997 Property Records

Martin County property record for 4095 SE Bay Ave, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,020 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (May 2026)
Tax Bill	$12,208 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-009-000-0012.0-9-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-009-000-0012.0-9-0000`
Alternative APNs	`48-38-41-009-000-00120-9` `38759`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,020 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	1,080 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38759
Street Address	4095 SE BAY AVE
City	STUART
State	FL
Zip	34997-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 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	12
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

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	4095 SE BAY AVE, STUART, FL 34997-3408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Line of Credit SECURITY NATIONAL BANK
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
May 19, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
May 19, 2026	Correction Deed SOUTH FLORIDA TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Jul 11, 2024 · Amount on Record
Deed Document Number	20263186705
Deed Book / Page	3567 / 2035
Prior Transfer Date	Nov 17, 2008
Prior Transfer Doc	0023611442
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4095 SE BAY AVE, STUART, FL 34997-3408
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4095 SE BAY AVE, STUART, FL 34997-3408

Mortgage

Document Number	0034142318
Date	Jan 8, 2024
Book Page	3414/2318
Instrument	3052582

Lender

Name	SECURITY NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 19, 2026
Property Address	4095 SE BAY AVE, STUART, FL 34997-3408
Document Number	0003186705
Book / Page	3567 / 2035
Instrument Date	May 18, 2026
Instrument	20263186705
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	SOUTH FLORIDA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4095 SE BAY AVE, STUART, FL 34997-3408

Mortgage

Document Number	0003186706,
Date	May 19, 2026
Instrument	20263186706

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 19, 2026
Property Address	4095 SE BAY AVE, STUART, FL 34997-3408
Document Number	0035672035
Book / Page	3567 / 2035
Instrument Date	May 18, 2026
Instrument	20263186705
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	SOUTH FLORIDA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$777,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4095 SE BAY AVE, STUART, FL 34997-3408

Mortgage

Document Number	0003186706,
Date	May 19, 2026
Instrument	20263186706

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	MARTIN FL
Recording Date	May 19, 2026
Property Address	4095 SE BAY AVE, STUART, FL 34997-3408
Document Number	0003186704
Book / Page	3567 / 2033
Instrument Date	Apr 28, 2026
Instrument	20263186704
Record Updated	Aug 29, 2026
Title Company	SOUTH FLORIDA TITLE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4095 SE BAY AVE, STUART, FL 34997-3408

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	$12,208.00 (+131.39%)	$787,330 (+141.64%) Land $250,000 Building $537,330	$787,330 (+30.79%) Land $250,000 Building $537,330
2024	$5,276.00 (+2.09%)
2023	$5,168.00 (+3.65%) Additional exemption filed	$325,826 (+3%)	$601,970 (+10.88%) Land $240,000 Building $361,970
2022	$4,986.00 Homeowner's exemption	$316,336	$542,920 Land $246,100 Building $296,820

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 230 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: Blue Stream, Hotwire Communications.

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