Martin County property record for 4603 SE Ontario Dr, Stuart, FL 34997
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,364 sqft · built 1987 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $186,000 (May 2018) |
| Tax Bill | $2,734 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-38-41-008-000-0262.1-7-0000 |
| Primary APN | 40-38-41-008-000-0262.1-7-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,364 sqft Living Area |
| Gross Area | 1,996 sqft |
| 1st Floor Area | 1,364 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2002 |
| 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 | 5,358 sqft (0.123 acres) |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Concrete Masonry Porch |
| Porch Area | 342 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 36518 |
|---|---|
| Street Address | 4603 SE ONTARIO DR |
| City | STUART |
| State | FL |
| Zip | 34997-5578 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2A |
| Legal Description | FISHERMANS COVE SEC 2 PHASE 4 LOT 262 S 1/2 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 40 |
| Legal Subdivision | FISHERMANS COVE (AKA SOMERSET) |
| Legal Block | 2 |
| Legal Lot Number | 262 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 1105 |
4603 SE Ontario Dr, a duplex, is owned and occupied by two individuals who bought it in May 2018.
Source: Martin County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4603 SE ONTARIO DR, STUART, FL 34997-5578 |
| 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.
| Date | Document |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| May 18, 2020 | Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS |
| May 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2018 · Amount on File |
| Deed Sale | May 23, 2018 · Amount on File |
| Prior Sale | Dec 19, 2012 · Amount on File |
| Deed Document Number | 20182696347 |
| Deed Book / Page | 2994 / 1109 |
| Prior Transfer Date | Feb 2, 2013 |
| Prior Transfer Doc | 0026282659 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4603 SE ONTARIO DR, STUART, FL 34997-5578 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4603 SE ONTARIO DR, STUART, FL 34997-5578 |
| Document Number | 0032990709 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 3299/709 |
| Instrument | 2947955 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 10, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4603 SE ONTARIO DR, STUART, FL 34997-5578 |
| Document Number | 0031360205 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4603 SE ONTARIO DR STUART FL 349975578, STUART, FL 34997-5578 |
| Document Number | 0031360205 |
|---|---|
| Date | Jun 16, 2020 |
| Book Page | 003136/000205 |
| Instrument | 2820172 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | May 23, 2018 |
| Property Address | 4603 SE ONTARIO DR, STUART, FL 34997-5578 |
| Document Number | 0029941109 |
| Book / Page | 02994 / 1109 |
| Map Reference | MB10 PG16 |
| Instrument Date | May 23, 2018 |
| Instrument | 2696347 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,302.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1095 PRIMROSE LN, 1095, WELLINGTON, FL 33414-8680 |
| Name | Verified Name |
|---|---|
| Address | 4603 SE ONTARIO DR, STUART, FL 34997-5578 |
| Document Number | 0002696348 |
|---|---|
| Date | May 23, 2018 |
| Instrument | 2696348 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 4603 SE Ontario Dr was $2,734 with a homeowner's exemption, down 0.2% from the year before.
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,734.00 (-0.18%) Homeowner's exemption | $186,069 | $281,760 Land $130,000 Building $151,760 |
| 2024 | $2,739.00 (+2.7%) | ||
| 2023 | $2,667.00 (+4.06%) Additional exemption filed | $175,560 (+3%) | $238,230 (+11.95%) Land $90,000 Building $148,230 |
| 2022 | $2,563.00 Homeowner's exemption | $170,447 | $212,800 Land $82,000 Building $130,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4603 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 risk around 4603 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.
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 |
| 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.
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 |
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