4571 SE Murray Cove Cir, Stuart, FL 34997 Property Records

Martin County property record for 4571 SE Murray Cove Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,325 sqft · built 2005
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Last Sale	$407,500 (May 2026)
Tax Bill	$2,945 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-38-41-014-000-0045.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`25-38-41-014-000-0045.0-0-0000`
Alternative APNs	`25-38-41-014-000-00450-0` `614396`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,325 sqft Living Area
Gross Area	1,545 sqft
1st Floor Area	1,325 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	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	125 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	614396
Street Address	4571 SE MURRAY COVE CIR
City	STUART
State	FL
Zip	34997-9133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 45 MURRAY COVE (PB 15 PG 91)
Legal Range	41E
Legal Township	38S
Legal Section	25
Legal Subdivision	MURRAY COVE
Legal Block	3
Legal Lot Number	45
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3024
Census Tract	1410

Owner

4571 SE Murray Cove Cir is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133
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
Jun 23, 2023	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Sep 29, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jan 31, 2017	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on File
Deed Sale	May 6, 2026 · Amount on File
Prior Sale	Jan 31, 2017 · Amount on File
Deed Document Number	20263184652
Deed Book / Page	3565 / 917
Prior Transfer Date	Jan 31, 2005
Prior Transfer Doc	0019791739
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133

Mortgage

Document Number	0033820372
Date	Jun 23, 2023
Book Page	3382/372
Instrument	3022851

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 6, 2026
Property Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133
Document Number	0003184652
Book / Page	3565 / 917
Instrument Date	Apr 30, 2026
Instrument	2026.3184652
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	SOUTH FLORIDA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288,102.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133

Mortgage

Document Number	0003184653,
Date	May 6, 2026
Instrument	2026..3184653

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 6, 2026
Property Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133
Document Number	0035650917
Book / Page	3565 / 917
Instrument Date	Apr 30, 2026
Instrument	20263184652
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	SOUTH FLORIDA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288,102.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133

Mortgage

Document Number	0003184653,
Date	May 6, 2026
Instrument	20263184653

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133

Mortgage

Document Number	0031610539
Date	Sep 29, 2020
Book Page	3161/539
Instrument	2840169

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	317 Months
Due	Feb 1, 2047

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 31, 2017
Property Address	4571 SE MURRAY COVE CIR, STUART, FL 34997-9133
Document Number	0029040829
Book / Page	02904 / 0829
Map Reference	MB15 PG91
Instrument Date	Jan 27, 2017
Instrument	2617123
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTH FLOIRDA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,298.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0002617124
Date	Jan 31, 2017
Instrument	2617124

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4571 SE Murray Cove Cir was $2,945, down 0.2% 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	$2,945.00 (-0.24%) Homeowner's exemption	$199,660	$298,990 Land $130,000 Building $168,990
2024	$2,952.00 (+2.61%)
2023	$2,877.00 (+4.01%) Additional exemption filed	$188,383 (+3%)	$274,300 (+5.52%) Land $130,000 Building $144,300
2022	$2,766.00 Homeowner's exemption	$182,897	$259,940 Land $130,000 Building $129,940

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 4571 SE Murray Cove Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	7 (1982–2024)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton

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 4571 SE Murray Cove Cir is low, with a 0.03% 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	0.03% 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 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications, Verizon.

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