445 SE Cardinal Trl, Stuart, FL 34997 Property Records

Martin County property record for 445 SE Cardinal Trl, Stuart, FL 34997 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,764 sqft · built 1982
Lot Size	0.341 acres (14,854 sqft)
Owner	Owner Name on File
Last Sale	$210,000 (Dec 2003)
Tax Bill	$2,324 (2024)
Flood Zone	Zone X (minimal risk)
APN	`04-39-41-003-000-00400-7`

Property Details

APN / Parcel Number

Primary APN	`04-39-41-003-000-00400-7`
Alternative APN	`60636`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,764 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1982
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,854 sqft (0.341 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Porch
Porch Area	426 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	60636
Street Address	445 SE CARDINAL TRL
City	STUART
State	FL
Zip	34997-7305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH RIVER COLONY UNREC LOT 40 OR 332/1267
Legal Range	41E
Legal Township	39S
Legal Section	04
Legal Subdivision	SOUTH RIVER COLONY
Legal Lot Number	40
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2022
Census Tract	1108

Owner

Source: Martin County records · APN 04-39-41-003-000-00400-7

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	445 SE CARDINAL TRL, STUART, FL 34997-7305
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 02, 2003 · Amount on Record
Deed Sale	Dec 02, 2003 · Amount on Record
Prior Sale	Jan 23, 2001 · Amount on Record
Deed Document Number	0018432241
Deed Book / Page	1843 / 2241
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$160,276 (+5.99%)	$407,290 (+11.38%) Land $200,000 Building $207,290
2024	$2,324.00 (+2.97%)
2023	$2,257.00 (+4.2%) Additional exemption filed	$151,223 (+3%)	$365,660 (+6.47%) Land $185,000 Building $180,660
2022	$2,166.00 Homeowner's exemption	$146,819	$343,440 Land $188,700 Building $154,740

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850011082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 247 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004, rainfall accumulation, Hurricane Frances

Wildfire

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 310 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 259 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.