4191 SE Paul Ter, Stuart, FL 34997 Property Records

Martin County property record for 4191 SE Paul Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 884 sqft · built 1957
Lot Size	0.277 acres (12,066 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (May 2018)
Tax Bill	$3,027 (2024)
Deeds & Mortgages	Oct 2025 Construction Loan Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`52-38-41-008-000-0011.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`52-38-41-008-000-0011.0-4-0000`
Alternative APNs	`52-38-41-008-000-00110-4` `42575`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	12,066 sqft (0.277 acres)
View / Lot	Obstructed View
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4191 SE PAUL TER
City	STUART
State	FL
Zip	34997-6877
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	KIEDINGERS UNREC LOT 11 & BOAT SLIP
Legal Range	41E
Legal Township	38S
Legal Section	52
Legal Subdivision	KIEDINGERS UNRECORDED
Legal Block	3
Legal Lot Number	11
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 October 23, 2025

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	4191 SE PAUL TER, STUART, FL 34997-6877
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Jul 13, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 25, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	May 30, 2017 · Amount on Record
Deed Document Number	20182696833
Deed Book / Page	2994 / 2759
Prior Transfer Date	Dec 15, 2005
Prior Transfer Doc	0021012426
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4191 SE PAUL TER, STUART, FL 34997-6877
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2371 SE JACKSON ST, STUART, FL 34997-5849

Mortgage

Document Number	0035251496
Date	Oct 7, 2025
Book Page	3525/1496
Instrument	3150392

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Max Rate	11.1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4191 SE PAUL TER, STUART, FL 34997-6877
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031421148
Date	Jul 13, 2020
Book Page	3142/1148
Instrument	2825197

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 25, 2018
Property Address	4191 SE PAUL TER, STUART, FL 34997-6877
Document Number	0029942759
Book / Page	002994 / 002759
Instrument Date	May 25, 2018
Instrument	2696833
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4191 SE PAUL TER STUART FL 349976877, STUART, FL 34997-6877

Mortgage

Document Number	29942763
Date	May 25, 2018
Book Page	002994/002763
Instrument	2696834

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 24, 2033

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

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		$204,310 (+5.99%)	$378,360 (+19.75%) Land $275,000 Building $103,360
2024	$3,027.00 (+2.61%)
2023	$2,950.00 (+3.98%) Additional exemption filed	$192,769 (+3%)	$315,950 (+2.7%) Land $235,000 Building $80,950
2022	$2,837.00 Homeowner's exemption	$187,155	$307,630 Land $240,750 Building $66,880

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 500 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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