4538 SE Graham Dr, Stuart, FL 34997 Property Records

Martin County property record for 4538 SE Graham Dr, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,717 sqft · built 2005
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on File
Last Sale	$241,500 (Dec 2017)
Tax Bill	$2,766 (2025)
Deeds & Mortgages	Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`40-38-41-009-000-0065.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`40-38-41-009-000-0065.0-0-0000`
Alternative APNs	`40-38-41-009-000-00650-0` `501608`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,717 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,717 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	5,053 sqft (0.116 acres)
View / Lot	Greenbelt/Park
Garage Type	Attached
Garage Area	267 sqft
Parking Spaces	1 Parking Space
Porch	Screened Concrete Masonry Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	501608
Street Address	4538 SE GRAHAM DR
City	STUART
State	FL
Zip	34997-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	LOT 65 MARTINS CROSSING PUD (PB 15 PG 89)
Legal Range	41E
Legal Township	38S
Legal Section	40
Legal Subdivision	MARTINS CROSSING
Legal Block	2
Legal Lot Number	65
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2015
Census Tract	1105

Owner

4538 SE Graham Dr is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	4538 SE GRAHAM DR, STUART, FL 34997-1544
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2017 · Amount on File
Deed Sale	Dec 28, 2017 · Amount on File
Prior Sale	Sep 12, 2006 · Amount on File
Deed Document Number	20172671004
Deed Book / Page	2966 / 2938
Prior Transfer Date	Jul 13, 2015
Prior Transfer Doc	0028142357
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 28, 2017
Property Address	4538 SE GRAHAM DR, STUART, FL 34997-1544
Document Number	0029662938
Book / Page	002966 / 002938
Instrument Date	Dec 27, 2017
Instrument	2671004
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	PATCH REEF TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$1,690.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 SE GRAHAM DR STUART FL 349971544, STUART, FL 34997-1544

Tax Assessment & Valuation

The 2025 property tax bill for 4538 SE Graham Dr was $2,766 with exemptions applied, down 0.1% 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	$2,766.00 (-0.11%) Homeowner's exemption Widower's exemption	$193,058	$369,900 Land $155,000 Building $214,900
2024	$2,769.00 (+2.78%)
2023	$2,694.00 (+1.2%) Additional exemption filed	$182,154 (+3%)	$326,820 (+11.21%) Land $125,000 Building $201,820
2022	$2,662.00 Homeowner's exemption	$176,849	$293,880 Land $100,000 Building $193,880

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

Flood

FEMA maps place 4538 SE Graham Dr 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 21 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	21 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

Wildfire risk around 4538 SE Graham Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% 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 531 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20