4595 SE Murray Cove Cir, Stuart, FL 34997 Property Records

Martin County property record for 4595 SE Murray Cove Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 2005
Lot Size	0.174 acres (7,579 sqft)
Owner	Individual Name on File
Last Sale	$185,300 (Aug 2005)
Tax Bill	$1,802 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-38-41-014-000-0042.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`25-38-41-014-000-0042.0-0-0000`
Alternative APNs	`25-38-41-014-000-00420-0` `765361`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	1,954 sqft
1st Floor Area	1,500 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	7,579 sqft (0.174 acres)
Garage Type	Attached
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	109 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	765361
Street Address	4595 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 42 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	42
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3024
Census Tract	1410

Owner

4595 SE Murray Cove Cir is owned and occupied by an individual who bought it in August 2005.

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

Owner of Record	Individual Name on File
Mailing Address	4595 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
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Dec 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2005 · Amount on File
Deed Sale	Aug 4, 2005 · Amount on File
Deed Document Number	20051861299
Deed Book / Page	2044 / 2532
Prior Transfer Date	Feb 15, 2005
Prior Transfer Doc	0019842405
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4595 SE MURRAY COVE CIR, STUART, FL 34997-9133
Transaction Type	Mortgage
Record Updated	Sep 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4595 SE MURRAY COVE CIR, STUART, FL 34997-9133

Mortgage

Document Number	0032510549
Date	Aug 24, 2021
Book Page	3251/549
Instrument	2909958

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4595 SE MURRAY COVE CIR, STUART, FL 34997-9133
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030311138
Date	Dec 12, 2018
Book Page	03031/1138
Instrument	2729397

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	ATLANTA, GA 30326

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4595 SE MURRAY COVE CIR, STUART, FL 34997-9133
Document Number	0031032374
Instrument Date	Dec 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4595 SE MURRAY COVE CIR STUART FL 349979133, STUART, FL 34997-9133

Mortgage

Document Number	0031032374
Date	Jan 3, 2020
Book Page	003103/002374
Instrument	2793121

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4595 SE MURRAY COVE CIR, STUART, FL 34997-9133
Document Number	0029342837
Book / Page	002934 / 002837
Instrument Date	Jun 26, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4595 SE MURRAY COVE CIR STUART FL 349979133, STUART, FL 34997-9133

Mortgage

Document Number	0029342837
Date	Jul 5, 2017
Book Page	002934/002837
Instrument	2643546

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4595 SE Murray Cove Cir was $1,802 with a homeowner's exemption, up 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	$1,802.00 (+0.33%) Homeowner's exemption	$127,149	$321,600 Land $130,000 Building $191,600
2024	$1,796.00 (+3.46%)
2023	$1,736.00 (+4.52%) Additional exemption filed	$119,967 (+3%)	$293,600 (+5.74%) Land $130,000 Building $163,600
2022	$1,661.00 Homeowner's exemption	$116,473	$277,660 Land $130,000 Building $147,660

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

Flood

FEMA maps place 4595 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 4595 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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