4581 SE Ontario Dr, Stuart, FL 34997 Property Records

Martin County property record for 4581 SE Ontario Dr, Stuart, FL 34997

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,275 sqft · built 1980
Lot Size	0.124 acres (5,401 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jan 2023)
Tax Bill	$3,943 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-38-41-003-000-0095.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`40-38-41-003-000-0095.0-7-0000`
Alternative APNs	`40-38-41-003-000-00950-7` `36180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Units	3 Units
Stories	1 Story
Building Area	1,275 sqft Living Area
Gross Area	1,599 sqft
1st Floor Area	1,275 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
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	5,401 sqft (0.124 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	36180
Street Address	4581 SE ONTARIO DR
City	STUART
State	FL
Zip	34997-5519
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2A
Legal Description	FISHERMANS COVE SEC 2 PHASE 1 LOT 95 N 1/2
Legal Range	41E
Legal Township	38S
Legal Section	40
Legal Subdivision	FISHERMANS COVE
Legal Block	2
Legal Lot Number	95
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2011
Census Tract	1105

Owner

4581 SE Ontario Dr, a duplex, is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4581 SE ONTARIO DR, STUART, FL 34997-5519
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	Jan 30, 2023 · Amount on File
Deed Sale	Jan 30, 2023 · Amount on File
Prior Sale	Dec 1, 1979 · Amount on File
Deed Document Number	20232999683
Deed Book / Page	3356 / 2765
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 30, 2023
Property Address	4581 SE ONTARIO DR, STUART, FL 34997-5519
Document Number	0033562765
Book / Page	3356 / 2765
Map Reference	MB 7 PG 68
Instrument Date	Jan 25, 2023
Instrument	2999683
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 RIDGE AVE, BLOOMFIELD, NJ 07003-3864

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4581 SE ONTARIO DR, STUART, FL 34997-5519

Mortgage

Document Number	0033562767
Date	Jan 30, 2023
Instrument	3356/2767

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4581 SE Ontario Dr was $3,943, down 1.7% 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	$3,943.00 (-1.7%)	$220,350 Land $130,000 Building $90,350	$220,350 Land $130,000 Building $90,350
2024	$4,011.00 (+40.2%)
2023	$2,861.00 (+16.02%)	$117,354 (+1%)	$197,950 (+28.73%) Land $110,000 Building $87,950
2022	$2,466.00	$106,686	$153,770 Land $89,680 Building $64,090

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 4581 SE Ontario Dr 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 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 4581 SE Ontario Dr is low, with a 0.02% annual chance of wildfire.

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.

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