Martin County property record for 41 SE River Lights Ct, Stuart, FL 34996
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,755 sqft · built 2019 |
| Lot Size | 0.142 acres (6,186 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $236,500 (Jul 2016) |
| Tax Bill | $11,186 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2017 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-38-41-044-000-0012.0-0-0000 |
| Primary APN | 03-38-41-044-000-0012.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 2,755 sqft Living Area |
| Gross Area | 3,273 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,186 sqft (0.142 acres) |
| View / Lot | Zero Lot Line |
| Garage Type | Attached |
| Garage Area | 518 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 522 sqft |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 41 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 12 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 | 12 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | STUART |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 902 |
Source: Martin County records, as of March 6, 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 | 41 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Dec 5, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2016 · Amount on Record |
| Deed Sale | Jul 13, 2016 · Amount on Record |
| Prior Sale | Mar 6, 2013 · Amount on Record |
| Deed Document Number | 20162585113 |
| Deed Book / Page | 2866 / 233 |
| Last Transfer Date | May 12, 2025 |
| Transfer Doc | 0034982306 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 41 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 41 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Document Number | 0032200702 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 3220/702 |
| Instrument | 2885349 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Dec 5, 2017 |
| Property Address | 41 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Document Number | 0029622196 |
| Book / Page | 002962 / 002196 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 2667521 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3 OAK HILL WAY STUART FL 349966510, STUART, FL 34996-6510 |
| Document Number | 29622196 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 002962/002196 |
| Instrument | 2667521 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 4, 2032 |
Source: Martin County assessment roll, as of August 27, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Municipality | Stuart City |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $664,334 (+5.99%) | $1,068,510 (+2.85%) Land $400,000 Building $668,510 | |
| 2024 | $11,186.00 (+2.25%) | ||
| 2023 | $10,940.00 (+3.3%) Additional exemption filed | $626,808 (+3%) | $1,038,880 (+32.99%) Land $400,000 Building $638,880 |
| 2022 | $10,591.00 Homeowner's exemption | $608,552 | $781,160 Land $316,200 Building $464,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 25 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 |
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