4220 SE Rainbows End, Stuart, FL 34997 Property Records

Martin County property record for 4220 SE Rainbows End, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,544 sqft · built 2003
Lot Size	0.346 acres (15,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$969,900 (Aug 2026)
Tax Bill	$464 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`49-38-41-500-000-0019.0-6-0000`

Property Details

APN / Parcel Number

Primary APN	`49-38-41-500-000-0019.0-6-0000`
Alternative APNs	`49-38-41-500-000-00190-6` `39838`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,544 sqft Living Area
Gross Area	3,378 sqft
1st Floor Area	2,544 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,072 sqft (0.346 acres)
Garage Type	Attached
Garage Area	834 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	487 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39838
Street Address	4220 SE RAINBOWS END
City	STUART
State	FL
Zip	34997-2470
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RAINBOW COVE LOT 19
Legal Range	41E
Legal Township	38S
Legal Section	49
Legal Subdivision	RAINBOW COVE
Legal Block	1
Legal Lot Number	19
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

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	4220 SE RAINBOWS END, STUART, FL 34997-2470
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING
Jul 19, 2022	Deed of Trust, Mortgage · Reverse Mortgage MIDWEST LOAN SOLUTIONS INC
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	May 2, 2014 · Amount on Record
Deed Document Number	20263199701
Deed Book / Page	3583 / 2608
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 10, 2026
Property Address	4220 SE RAINBOWS END, STUART, FL 34997-2470
Document Number	0003199701
Book / Page	3583 / 2608
Instrument Date	Aug 7, 2026
Instrument	20263199701
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	TITLE ESCROW, LAVARGNA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$685,719.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4220 SE RAINBOWS END, STUART, FL 34997-2470

Mortgage

Document Number	0003199702,
Date	Aug 10, 2026
Instrument	20263199702

Lender

Name	PROVIDENT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4220 SE RAINBOWS END, STUART, FL 34997-2470
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	SOUTH FLORIDA TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4220 SE RAINBOWS END, STUART, FL 34997-2470

Mortgage

Document Number	0033251523
Date	Jul 19, 2022
Book Page	3325/1523
Instrument	2971380

Lender

Name	MIDWEST LOAN SOLUTIONS INC
Type	Lending Institution
Address	SOUTHFIELD, MI 48034

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	906 Months
Due	Jan 27, 2098

Interest

Rate Type	Adjustable Rate
Rate	5.36%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.3%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4220 SE RAINBOWS END, STUART, FL 34997-2470
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031011063
Date	Dec 19, 2019
Book Page	3101/1063
Instrument	2790915

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$464.00 (+4.27%) Homeowner's exemption Veteran's exemption	$374,641 (+5.99%)	$757,150 (+1.49%) Land $225,000 Building $532,150
2024	$445.00 (+5.7%)
2023	$421.00 (-92.25%) Additional exemption filed	$353,479 (+3%)	$746,040 (+28.91%) Land $225,000 Building $521,040
2022	$5,433.00 Homeowner's exemption	$343,184	$578,740 Land $200,000 Building $378,740

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 230 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: Blue Stream, Hotwire Communications.

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