4095 SE Paul Ter, Stuart, FL 34997 Property Records

Martin County property record for 4095 SE Paul Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,628 sqft · built 1987
Lot Size	0.32 acres (13,948 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (May 2012)
Tax Bill	$10,730 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`52-38-41-008-000-0015.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`52-38-41-008-000-0015.0-5-0000`
Alternative APNs	`52-38-41-008-000-00150-5` `42581`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	4,628 sqft Living Area
1st Floor Area	2,694 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,948 sqft (0.32 acres)
Lot Dimensions	100 ft deep x 79 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	857 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	42581
Street Address	4095 SE PAUL TER
City	STUART
State	FL
Zip	34997-6838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	KIEDINGERS UNREC LOT 15
Legal Range	41E
Legal Township	38S
Legal Section	52
Legal Subdivision	KIEDINGERS UNRECORDED
Legal Block	3
Legal Lot Number	15
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3018
Census Tract	1301

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	2 Individual Names on Record
Mailing Address	4095 SE PAUL TER, STUART, FL 34997-6838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2012 · Amount on Record
Deed Sale	May 8, 2012 · Amount on Record
Prior Sale	Feb 17, 2010 · Amount on Record
Deed Document Number	20122329902
Deed Book / Page	2575 / 2662
Prior Transfer Date	Aug 11, 2009
Prior Transfer Doc	0002162797
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4095 SE PAUL TER, STUART, FL 34997-6838
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029682729
Date	Jan 8, 2018
Book Page	02968/2729
Instrument	2672752

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4095 SE PAUL TER, STUART, FL 34997-6838
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	TRIDENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031472597
Date	Aug 4, 2020
Book Page	3147/2597
Instrument	2829562

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 1, 2048

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	$10,730.00 (-0.92%) Additional exemption filed	$693,562 (+5.99%)	$1,084,530 (+10.39%) Land $654,940 Building $429,590
2024	$10,830.00 (+1.73%)
2023	$10,646.00 (+3.42%) Additional exemption filed	$654,385 (+3%)	$982,470 (+6.42%) Land $557,910 Building $424,560
2022	$10,294.00 Homeowner's exemption	$635,326	$923,180 Land $533,650 Building $389,530

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 174 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	262 units insured incl. 88 condo units
Nearby Flood Claims	33 (1979–2022)
Claims Outside the SFHA	20 of 33
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Frances, Sep 2004 · 8 claims Hurricane Irene, Oct 1999 · 2 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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