Martin County property record for 4538 SE Roaring Brook Way, Stuart, FL 34997
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,412 sqft · built 1984 |
| Lot Size | 0.119 acres (5,184 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $77,900 (Sep 2008) |
| Tax Bill | $969 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Mar 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-38-41-007-000-0178.0-7-0000 |
| Primary APN | 40-38-41-007-000-0178.0-7-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,412 sqft Living Area |
| Gross Area | 1,712 sqft |
| 1st Floor Area | 1,412 sqft |
| Utility Room | Utility Room |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,184 sqft (0.119 acres) |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 36387 |
|---|---|
| Street Address | 4538 SE ROARING BROOK WAY |
| City | STUART |
| State | FL |
| Zip | 34997-5550 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2A |
| Legal Description | FISHERMANS COVE SEC 2 PHASE 3 B LOT 178 NORTH 1/2 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 40 |
| Legal Subdivision | FISHERMANS COVE |
| Legal Block | 2 |
| Legal Lot Number | 178 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 1105 |
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 | 4538 SE ROARING BROOK WAY, STUART, FL 34997-5550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2022 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Mar 12, 2021 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Aug 15, 2017 | Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2008 · Amount on Record |
| Deed Sale | Sep 25, 2008 · Amount on Record |
| Prior Sale | Feb 4, 2008 |
| Deed Document Number | 20082107869 |
| Deed Book / Page | 2352 / 1132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4538 SE ROARING BROOK WAY, STUART, FL 34997-5550 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4538 SE ROARING BROOK WAY, STUART, FL 34997-5550 |
| Document Number | 0033101725 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 3310/1725 |
| Instrument | 2957936 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 168 Months |
| Due | May 2, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4538 SE ROARING BROOK WAY, STUART, FL 34997-5550 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4538 SE ROARING BROOK WAY, STUART, FL 34997-5550 |
| Document Number | 0032052357 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 3205/2357 |
| Instrument | 2874180 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Apr 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4538 SE ROARING BROOK WAY, STUART, FL 34997-5550 |
| Document Number | 0029441650 |
| Book / Page | 002944 / 001650 |
| Instrument Date | Aug 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4538 SE ROARING BROOK WAY STUART FL 349975550, STUART, FL 34997-5550 |
| Document Number | 0029441650 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 002944/001650 |
| Instrument | 2651915 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2047 |
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $969.00 (+0.31%) Additional exemption filed | $71,274 (+5.99%) | $233,860 (+6.91%) Land $130,000 Building $103,860 |
| 2024 | $966.00 (+2.66%) | ||
| 2023 | $941.00 (+2.95%) Additional exemption filed | $67,249 (+3%) | $218,740 (+27.31%) Land $110,000 Building $108,740 |
| 2022 | $914.00 Homeowner's exemption | $65,291 | $171,820 Land $89,680 Building $82,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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