4585 SE Manatee Ter, Stuart, FL 34997 Property Records

Martin County property record for 4585 SE Manatee Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,994 sqft · built 1962
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (Jul 1997)
Tax Bill	$2,486 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-003-001-0017.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-003-001-0017.0-2-0000`
Alternative APNs	`48-38-41-003-001-00170-2` `38508`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,994 sqft Living Area
1st Floor Area	1,994 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
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	294 sqft
Carport	Carport
Carport Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	144 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38508
Street Address	4585 SE MANATEE TER
City	STUART
State	FL
Zip	34997-6923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	HECKYS ALLOTMENT LOT 17 BLK 1
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	HECKYS ALLOTMENT
Legal Block	1
Legal Lot Number	17
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1003
Census Tract	1302

Owner

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	Individual Name on Record
Mailing Address	4585 SE MANATEE TER, STUART, FL 34997-6923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 1997 · Amount on Record
Deed Sale	Jul 29, 1997 · Amount on Record
Deed Book / Page	1252 / 582
Prior Transfer Date	Aug 24, 1994
Prior Transfer Doc	1088000360
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4585 SE MANATEE TER, STUART, FL 34997-6923
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4585 SE MANATEE TERRCE, STUART, FL 34997

Mortgage

Document Number	0033321530
Date	Aug 25, 2022
Book Page	3332/1530
Instrument	2977443

Lender

Name	NWETEK SMALL BUSINESS FINANCE LLC
Address	NEW HYDE PARK, NY 11042

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2032

Interest

Rate Type	Adjustable Rate

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	$2,486.00 (-0.04%) Additional exemption filed	$170,502 (+5.99%)	$448,940 (+10.09%) Land $220,000 Building $228,940
2024	$2,487.00 (+2.85%)
2023	$2,418.00 (+4.18%) Additional exemption filed	$160,871 (+3%)	$407,780 (+13.49%) Land $205,000 Building $202,780
2022	$2,321.00 Homeowner's exemption	$156,186	$359,300 Land $210,000 Building $149,300

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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