4398 SW Natures Ln, Stuart, FL 34997 Property Records

Martin County property record for 4398 SW Natures Ln, Stuart, FL 34997

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 2,164 sqft · built 2006
Lot Size	0.063 acres (2,744 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Dec 2019)
Tax Bill	$3,288 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`41-38-41-006-000-0010.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-006-000-0010.0-0-0000`
Alternative APNs	`41-38-41-006-000-00100-0` `741577`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,660 sqft
1st Floor Area	874 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	2,744 sqft (0.063 acres)
View / Lot	Homesite
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	741577
Street Address	4398 SW NATURES LN
City	STUART
State	FL
Zip	34997-3042
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUDR
Legal Description	LOT 10 PH 1 WHITEMARSH RESERVE PUD (PB 16 PG 5)
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	WHITEMARSH RESERVE
Legal Block	2
Legal Lot Number	10
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2001
Census Tract	1103

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	4398 SW NATURES LN, STUART, FL 34997-3042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 5, 2019	Warranty Deed, Transfer · Conventional Mortgage SPROUT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2019 · Amount on Record
Deed Sale	Dec 5, 2019 · Amount on Record
Prior Sale	Dec 16, 2016 · Amount on Record
Deed Document Number	20192788044
Deed Book / Page	3098 / 822
Prior Transfer Date	Feb 6, 2013
Prior Transfer Doc	0026300910
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4398 SW NATURES LN, STUART, FL 34997-3042
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4398 SW NATURES LN, STUART, FL 34997-3042

Mortgage

Document Number	0033491200
Date	Dec 7, 2022
Book Page	3349/1200
Instrument	2992680

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 12, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 5, 2019
Property Address	4398 SW NATURES LN, STUART, FL 34997-3042
Document Number	0030980822
Book / Page	003098 / 000822
Instrument Date	Dec 3, 2019
Instrument	2788044
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	STARFISH TITLE AGENCY LLC, STARFISH TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3326 SE DIXIE HWY STUART FL 349975241, STUART, FL 34997-5241

Mortgage

Document Number	30980824
Date	Dec 5, 2019
Book Page	003098/000824
Instrument	2788045

Lender

Name	SPROUT MTG
Address	IRVING, TX 75038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2049

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	$3,288.00 (-1.11%) Homeowner's exemption	$250,536 (+5.99%)	$361,090 (+1.48%) Land $100,000 Building $261,090
2024	$3,325.00 (+1.93%)
2023	$3,262.00 (+3.82%) Additional exemption filed	$236,385 (+3%)	$355,830 (+25.15%) Land $100,000 Building $255,830
2022	$3,142.00 Homeowner's exemption	$229,500	$284,330 Land $50,000 Building $234,330

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 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 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 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	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000

May also be available: Hotwire Communications.

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