4580 SW Ardsley Dr, Stuart, FL 34997 Property Records

Martin County property record for 4580 SW Ardsley Dr, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,289 sqft · built 2021
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,900 (Jul 2021)
Tax Bill	$10,350 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-38-41-009-000-0022.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-009-000-0022.0-0-0000`
Alternative APNs	`41-38-41-009-000-00220-0` `1120863`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,291 sqft Living Area
Gross Area	3,774 sqft
1st Floor Area	1,338 sqft
Elevator	Elevator

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	483 sqft
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1120863
Street Address	4580 SW ARDSLEY DR
City	STUART
State	FL
Zip	34997-4526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 BANYAN BAY PUD PHASE 2A & 2B ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 18 PAGE 6 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	BANYAN BAY PUD PHASE 2A & 2B
Legal Block	2
Legal Lot Number	22
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2005
Census Tract	1103

Owner

Source: Martin County records, as of September 30, 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	4580 SW ARDSLEY DR, STUART, FL 34997-4526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK
Jul 21, 2021	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Jun 3, 2020	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	20212903267
Deed Book / Page	3242 / 1858
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	May 29, 2026
Property Address	4580 SW ARDSLEY DR, STUART, FL 34997-4526
Document Number	0003188265
Book / Page	3569 / 2249
Instrument Date	May 20, 2026
Instrument	20263188265
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4580 SW ARDSLEY DR, STUART, FL 34997-4526
Investor	Possibly a Property Investor

Mortgage

Document Number	0003188265,
Date	May 29, 2026
Book Page	3569/2249
Instrument	20263188265

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2056

Interest

Rate	6.23%
Max Rate	-1%

July 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 21, 2021
Property Address	4580 SW ARDSLEY DR, STUART, FL 34997-4526
Document Number	0032421858
Book / Page	3242 / 1858
Map Reference	MB 18 PG 6
Instrument Date	Jul 17, 2021
Instrument	2903267
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	SIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,241.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1450 CENTREPARK BLVD STE 340, 340, WEST PALM BEACH, FL 33401-7443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4580 SW ARDSLEY DR, STUART, FL 34997-4526
Investor	Possibly a Property Investor

Mortgage

Document Number	0032421860
Date	Jul 21, 2021
Instrument	3242/1860

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 3, 2020
Property Address	4580 SW ARDSLEY DR, STUART, FL 34997-4526
Document Number	0031322753
Book / Page	003132 / 002753
Instrument Date	May 29, 2020
Instrument	2817593
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Tax	$5,969.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1450 CENTREPARK BLVD #340 WEST PALM BEACH FL 334017443, 340, WEST PALM BEACH, FL 33401-7443
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$10,350.00 (-0.92%) Homeowner's exemption	$668,392 (+11.82%)	$756,940 (+8.5%) Land $250,000 Building $506,940
2024	$10,446.00 (+7.47%)
2023	$9,720.00 (+3.43%) Additional exemption filed	$597,763 (+3%)	$697,630 (+6.03%) Land $235,000 Building $462,630
2022	$9,398.00 Homeowner's exemption	$580,353	$657,950 Land $242,950 Building $415,000

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

Flood

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 Record median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.07% 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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