4290 SE Whiticar Way, Stuart, FL 34997 Property Records

Martin County property record for 4290 SE Whiticar Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,960 sqft · built 1989
Lot Size	0.479 acres (20,865 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Aug 2023)
Tax Bill	$13,177 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2023 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`52-38-41-011-000-0016.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`52-38-41-011-000-0016.0-8-0000`
Alternative APNs	`52-38-41-011-000-00160-8` `42666`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	3,960 sqft Living Area
Gross Area	5,076 sqft
1st Floor Area	1,886 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,865 sqft (0.479 acres)
Garage Type	Attached
Garage Area	1,116 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	844 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	42666
Street Address	4290 SE WHITICAR WAY
City	STUART
State	FL
Zip	34997-6142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	MARINER CAY LOT 16
Legal Range	41E
Legal Township	38S
Legal Section	52
Legal Subdivision	MARINER CAY
Legal Block	3
Legal Lot Number	16
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3002
Census Tract	1301

Owner

4290 SE Whiticar Way is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4290 SE WHITICAR WAY, STUART, FL 34997-6142
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 11, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 8, 2022	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023 · Amount on File
Deed Sale	Aug 11, 2023 · Amount on File
Prior Sale	Jun 15, 1988 · Amount on File
Deed Document Number	20233030490
Deed Book / Page	3390 / 2901
Prior Transfer Date	Apr 8, 2022
Prior Transfer Doc	0033051352
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4290 SE WHITICAR WAY, STUART, FL 34997-6142
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4290 SE WHITICAR WAY, STUART, FL 34997-6142

Mortgage

Document Number	0035552261
Date	Mar 24, 2026
Book Page	3555/2261
Instrument	3176478

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 13, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 11, 2023
Property Address	4290 SE WHITICAR WAY, STUART, FL 34997-6142
Document Number	0033902901
Book / Page	3390 / 2901
Map Reference	MB 5 PG 32
Instrument Date	Aug 3, 2023
Instrument	3030490
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$9,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3778 SE OCEAN BLVD, STUART, FL 34996-6713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4290 SE WHITICAR WAY, STUART, FL 34997-6142
Investor	Possibly a Property Investor

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Apr 8, 2022
Property Address	4290 SE WHITICAR WAY, STUART, FL 34997-6142
Document Number	0033051352
Book / Page	3305 / 1352
Map Reference	MB 5 PG 32
Instrument Date	Apr 5, 2022
Instrument	2953310
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4290 SE WHITICAR WAY, 4290, STUART, FL 34997-6142

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4290 SE WHITICAR WAY, STUART, FL 34997-6142

Tax Assessment & Valuation

The 2025 property tax bill for 4290 SE Whiticar Way was $13,177 with a homeowner's exemption, down 0.4% 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	$13,177.00 (-0.45%) Homeowner's exemption	$847,483	$1,559,160 Land $652,050 Building $907,110
2024	$13,236.00 (+80.55%)
2023	$7,331.00 (+3.49%) Additional exemption filed	$454,773 (+3%)	$1,244,010 (+27%) Land $535,610 Building $708,400
2022	$7,084.00 Homeowner's exemption	$441,528	$979,530 Land $489,040 Building $490,490

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

FEMA maps place 4290 SE Whiticar Way in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 4290 SE Whiticar Way is low, with less than 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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