446 SE Cardinal Trl, Stuart, FL 34997 Property Records

Martin County property record for 446 SE Cardinal Trl, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,482 sqft · built 1990
Lot Size	0.238 acres (10,367 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Sep 2022)
Tax Bill	$7,158 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-39-41-003-000-0059.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`04-39-41-003-000-0059.0-7-0000`
Alternative APNs	`04-39-41-003-000-00590-7` `439410030000059070000` `60654`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,482 sqft Living Area
Gross Area	2,003 sqft
1st Floor Area	1,482 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,367 sqft (0.238 acres)
Garage Type	Attached
Garage Area	521 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	234 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	60654
Street Address	446 SE CARDINAL TRL
City	STUART
State	FL
Zip	34997-7306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	SOUTH RIVER COLONY UNREC LOT 59 OR 343/759
Legal Range	41E
Legal Township	39S
Legal Section	4
Legal Subdivision	SOUTH RIVER COLONY
Legal Block	2
Legal Lot Number	59
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2022
Census Tract	1108

Owner

446 SE Cardinal Trl is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 SE CARDINAL TRL, STUART, FL 34997-7306
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 14, 2022	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Mar 4, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2022 · Amount on File
Deed Sale	Sep 14, 2022 · Amount on File
Prior Sale	Aug 6, 2009
Deed Document Number	20222980509
Deed Book / Page	3335 / 2585
Prior Transfer Date	Oct 31, 2014
Prior Transfer Doc	0027490761
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 14, 2022
Property Address	446 SE CARDINAL TRL, STUART, FL 34997-7306
Document Number	0033352585
Book / Page	3335 / 2585
Map Reference	MB 337 PG 2114
Instrument Date	Sep 12, 2022
Instrument	2980509
Transaction Type	Transfer
Record Updated	Oct 7, 2022
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5718 SE PINE AVE, 5718, STUART, FL 34997-7877

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	281 SW LOST RIVER RD, STUART, FL 34997-6294

Mortgage

Document Number	0033352587
Date	Sep 14, 2022
Instrument	3335/2587

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	446 SE CARDINAL TRL, STUART, FL 34997-7306
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032030330
Date	Mar 4, 2021
Book Page	3203/330
Instrument	2872150

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 446 SE Cardinal Trl was $7,158 with a homeowner's exemption, up 6% 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	$7,158.00 (+6.04%) Homeowner's exemption	$466,958	$477,680 Land $200,000 Building $277,680
2024	$6,750.00 (-2.47%)
2023	$6,921.00 (+241.1%)	$389,870 (+181.27%) Land $185,000 Building $204,870	$389,870 (+16.05%) Land $185,000 Building $204,870
2022	$2,029.00 Homeowner's exemption	$138,613	$335,950 Land $188,700 Building $147,250

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 446 SE Cardinal Trl in Zone X, an area of minimal 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 minimal risk
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 247 policies
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 · Hurricane Frances

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 446 SE Cardinal Trl is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% 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	SOUTH FORK HOMEOWNER UTIL CORP private · serves 200 people · EPA ID FL4430484
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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