4580 SE Rocky Point Way, Stuart, FL 34997 Property Records

Martin County property record for 4580 SE Rocky Point Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,902 sqft · built 1963
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Trust Names on File
Last Sale	$245,000 (May 2010)
Tax Bill	$3,005 (2025)
Deeds & Mortgages	May 2021 Transfer May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-004-000-0014.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-004-000-0014.0-0-0000`
Alternative APNs	`48-38-41-004-000-00140-0` `38543`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,902 sqft Living Area
1st Floor Area	1,902 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1973
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,195 sqft (0.257 acres)
Garage Type	Carport
Garage Area	198 sqft
Carport	Carport
Carport Area	198 sqft
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	217 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38543
Street Address	4580 SE ROCKY POINT WAY
City	STUART
State	FL
Zip	34997-6946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	LAWRENCE UNREC S/D LOT 14 & AN ACCESS ESMT FOR SANDPATH TO DOCK
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	LAWRENCE UNRECORDED
Legal Block	1
Legal Lot Number	14
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1003
Census Tract	1302

Owner

4580 SE Rocky Point Way is owner-occupied and held in a trust since April 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	4580 SE ROCKY POINT WAY, STUART, FL 34997-6946
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
May 11, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
May 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
May 27, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2010 · Amount on File
Deed Sale	May 19, 2010 · Amount on File
Prior Sale	Apr 3, 2007 · Amount on File
Deed Document Number	20102211242
Deed Book / Page	2454 / 2427
Last Transfer Date	Apr 21, 2021
Transfer Doc	0032231720
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	May 11, 2021
Property Address	4580 SE ROCKY POINT WAY, STUART, FL 34997-6946
Document Number	0032231743
Book / Page	3223 / 1743
Map Reference	MB 1 PG 89
Instrument Date	Apr 21, 2021
Instrument	2888066
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4580 SE ROCKY POINT WAY, STUART, FL 34997-6946
Investor	Possibly a Property Investor

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	May 11, 2021
Property Address	4580 SE ROCKY POINT WAY, STUART, FL 34997-6946
Document Number	0032231720
Book / Page	3223 / 1720
Map Reference	MB 1 PG 89
Instrument Date	Apr 21, 2021
Instrument	2888064
Transaction Type	Transfer
Record Updated	Jun 18, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4580 SE ROCKY POINT WAY, STUART, FL 34997-6946
Investor	Possibly a Property Investor

Mortgage

Document Number	32231724
Date	May 11, 2021
Instrument	3223/1724

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4580 SE ROCKY POINT WAY, STUART, FL 34997-6946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031310952
Date	May 27, 2020
Book Page	3131/952
Instrument	2816454

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4580 SE Rocky Point Way was $3,005 with a homeowner's exemption, down 0.3% 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	$3,005.00 (-0.27%) Homeowner's exemption	$203,450	$433,920 Land $245,000 Building $188,920
2024	$3,013.00 (-15.93%)
2023	$3,584.00 (+3.26%) Additional exemption filed	$191,959 (+3%)	$429,100 (+5.22%) Land $245,000 Building $184,100
2022	$3,471.00 Homeowner's exemption	$186,368	$407,800 Land $267,000 Building $140,800

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

Flood

FEMA maps place 4580 SE Rocky Point Way in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 167 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	253 units insured incl. 86 condo units
Nearby Flood Claims	16 (1994–2025)
Claims Outside the SFHA	6 of 16
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 5 claims Severe Flooding, Oct 1995 · 3 claims

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 4580 SE Rocky Point Way is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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