42 SE Cayuga Ter, Stuart, FL 34997 Property Records

Martin County property record for 42 SE Cayuga Ter, Stuart, FL 34997

Property Summary

Property Type	Duplex
Details	2 bd · 1.5 ba · 1,131 sqft · built 1977
Lot Size	0.127 acres (5,532 sqft)
Owner	Individual Name on Record
Last Sale	$209,900 (May 2021)
Tax Bill	$2,912 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-38-41-002-000-0043.1-7-0000`

Property Details

APN / Parcel Number

Primary APN	`40-38-41-002-000-0043.1-7-0000`
Alternative APNs	`40-38-41-002-000-00431-7` `36074`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Units	3 Units
Stories	1 Story
Building Area	1,131 sqft Living Area
Gross Area	1,311 sqft
1st Floor Area	1,131 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1999
Architectural Style	Duplex Single
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,532 sqft (0.127 acres)
Garage Type	Carport
Garage Area	324 sqft
Carport	Carport
Carport Area	324 sqft
Porch	Screened Concrete Masonry Porch
Porch Area	292 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	36074
Street Address	42 SE CAYUGA TER
City	STUART
State	FL
Zip	34997-5502
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2A
Legal Description	FISHERMANS COVE LOT 43 W 1/2
Legal Range	41E
Legal Township	38S
Legal Section	40
Legal Subdivision	FISHERMANS COVE
Legal Block	2
Legal Lot Number	43
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2003
Census Tract	1105

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	42 SE CAYUGA TER, STUART, FL 34997-5502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
May 21, 2021	Warranty Deed, Transfer · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Feb 19, 2021	Warranty Deed, Transfer KPC TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	Feb 19, 2021 · Amount on Record
Deed Document Number	20212890377
Deed Book / Page	3226 / 1093
Prior Transfer Date	Aug 14, 2014
Prior Transfer Doc	0027361710
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Jul 6, 2026
Property Address	42 SE CAYUGA TER, STUART, FL 34997-5502
Document Number	0003194126
Book / Page	3577 / 655
Instrument Date	May 30, 2026
Instrument	20263194126
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003194126,
Date	Jul 6, 2026
Book Page	3577/655
Instrument	20263194126

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jun 1, 2051

Interest

Rate	6.3%
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 21, 2021
Property Address	42 SE CAYUGA TER, STUART, FL 34997-5502
Document Number	0032261093
Book / Page	3226 / 1093
Map Reference	MB 7 PG 8
Instrument Date	May 11, 2021
Instrument	2890377
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,469.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2788 NE COLD SPRING DR, JENSEN BEACH, FL 34957-4773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 SE CAYUGA TER, STUART, FL 34997-5502

Mortgage

Document Number	0032261095
Date	May 21, 2021
Instrument	3226/1095

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Feb 19, 2021
Property Address	42 SE CAYUGA TER, STUART, FL 34997-5502
Document Number	0031990110
Book / Page	3199 / 110
Map Reference	MB 7 PG 8
Instrument Date	Jan 4, 2021
Instrument	2869137
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	KPC TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$679.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 HOLLY CORNER RD, FALMOUTH, VA 22406-5308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2788 NE COLD SPRING DR, JENSEN BEACH, FL 34957-4773
Investor	Possibly a Property Investor

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	$2,912.00 (-0.24%) Homeowner's exemption	$197,328 (+5.99%)	$253,300 (+8.61%) Land $130,000 Building $123,300
2024	$2,919.00 (+2.6%)
2023	$2,845.00 (+4.02%) Additional exemption filed	$186,182 (+3%)	$233,230 (+29.03%) Land $110,000 Building $123,230
2022	$2,735.00 Homeowner's exemption	$180,760 Land $89,680 Building $91,080	$180,760 Land $89,680 Building $91,080

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 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 in force

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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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