4120 SE Kubin Ave, Stuart, FL 34997 Property Records

Martin County property record for 4120 SE Kubin Ave, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 1991
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$492,000 (Jul 2021)
Tax Bill	$11,373 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-008-000-0140.0-9-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-008-000-0140.0-9-0000`
Alternative APNs	`48-38-41-008-000-01400-9` `38697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,926 sqft Living Area
Gross Area	2,430 sqft
1st Floor Area	1,926 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	261 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38697
Street Address	4120 SE KUBIN AVE
City	STUART
State	FL
Zip	34997-2449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	LOT 140 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	140
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1018
Census Tract	1302

Owner

4120 SE Kubin Ave is owned and occupied by two individuals who bought it in July 2021.

Source: Martin County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4120 SE KUBIN AVE, STUART, FL 34997-2449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Warranty Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO
Apr 8, 2019	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Apr 10, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Jan 24, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on File
Deed Sale	Jul 6, 2021 · Amount on File
Prior Sale	Apr 10, 2017 · Amount on File
Deed Document Number	20212900084
Deed Book / Page	3238 / 1995
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 6, 2021
Property Address	4120 SE KUBIN AVE, STUART, FL 34997-2449
Document Number	0032381995
Book / Page	3238 / 1995
Map Reference	MB 3 PG 61
Instrument Date	Jul 1, 2021
Instrument	2900084
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,444.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 BROOKS WAY, OWLS HEAD, ME 04854-3231

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	329 LEGARE CT, JUPITER, FL 33458-2900

Mortgage

Document Number	0032381998
Date	Jul 6, 2021
Instrument	3238/1998

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4120 SE KUBIN AVE, STUART, FL 34997-2449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030510894
Date	Apr 8, 2019
Book Page	3051/0894
Instrument	2747869

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 21, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 10, 2017
Property Address	4120 SE KUBIN AVE, STUART, FL 34997-2449
Document Number	0029171723
Book / Page	002917 / 001723
Instrument Date	Apr 7, 2017
Instrument	2628806
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$2,345.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 SE KUBIN AVE STUART FL 349972449, STUART, FL 34997-2449

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4120 SE KUBIN AVE, STUART, FL 34997-2449
Document Number	0029062238
Book / Page	002906 / 002238
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4120 SE KUBIN AVE STUART FL 349972449, STUART, FL 34997-2449

Mortgage

Document Number	0029062238
Date	Feb 10, 2017
Book Page	002906/002238
Instrument	2619245

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4120 SE Kubin Ave was $11,373 with a homeowner's exemption, down 9.6% from the year before.

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	$11,373.00 (-9.62%) Additional exemption filed	$475,685	$610,940 Land $225,000 Building $385,940
2024	$12,583.00 (+74.3%)
2023	$7,219.00 (+3.53%) Additional exemption filed	$448,815 (+3%)	$508,840 (+10.76%) Land $225,000 Building $283,840
2022	$6,973.00 Homeowner's exemption	$435,743	$459,410 Land $231,120 Building $228,290

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4120 SE Kubin Ave in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1994.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4120 SE Kubin Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 349 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: T-Mobile.

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