Martin County property record for 4643 SE Cheerio Way, Stuart, FL 34997 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 7 ba · 5,176 sqft · built 1981 |
| Lot Size | 1.07 acres (46,914 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,400,000 (Dec 2020) |
| Tax Bill | $45,719 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-38-41-160-000-0007.0-4-0000 |
| Primary APN | 48-38-41-160-000-0007.0-4-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 7 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 5,176 sqft Living Area |
| 1st Floor Area | 748 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 46,914 sqft (1.07 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 909 sqft |
| Deck Area | 257 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 4643 SE CHEERIO WAY |
|---|---|
| City | STUART |
| State | FL |
| Zip | 34997-6949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROYAL HARBOR LOT 7 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 48 |
| Legal Subdivision | ROYAL HARBOR |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1302 |
Source: Martin County records · APN 48-38-41-160-000-0007.0-4-0000
Assessment roll updated August 27, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 4643 SE CHEERIO WAY, STUART, FL 34997-6949 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 04, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage ALLY BANK |
| Dec 30, 2016 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on Record |
| Deed Sale | Dec 22, 2020 · Amount on Record |
| Prior Sale | Jul 18, 2016 · Amount on Record |
| Deed Document Number | 20202857311 |
| Deed Book / Page | 3183 / 1868 |
| Transfer Doc | 1190001980 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4643 SE CHEERIO WAY, STUART, FL 34997-6949 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2220 POTATO RD, HARLEYSVILLE, PA 19438-1402 |
| Document Number | 0032901939 |
|---|---|
| Date | Feb 04, 2022 |
| Book Page | 3290/1939 |
| Instrument | 2940739 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4643 SE CHEERIO WAY, STUART, FL 34997-6949 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2220 POTATO RD, HARLEYSVILLE, PA 19438-1402 |
| Document Number | 0032750044 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 3275/44 |
| Instrument | 2928523 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 4643 SE CHEERIO WAY, STUART, FL 34997-6949 |
| Document Number | 0031831868 |
| Book / Page | 3183 / 1868 |
| Map Reference | MB 8 PG 25 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 2857311 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | FLORIDA TTL & GUARANTEE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 HICKORY LN, 4, KENSINGTON, NH 03833-6802 |
| Name | Verified Name |
|---|---|
| Address | 2220 POTATO RD, HARLEYSVILLE, PA 19438-1402 |
| Document Number | 0031831870 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 3183/1870 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4643 SE CHEERIO WAY, STUART, FL 34997-6949 |
| Document Number | 0029002942 |
| Book / Page | 002900 / 002942 |
| Instrument Date | Dec 30, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4643 SE CHEERIO WAY STUART FL 349976949, STUART, FL 34997-6949 |
| Document Number | 0029002942 |
|---|---|
| Date | Jan 10, 2017 |
| Book Page | 002900/002942 |
| Instrument | 2614004 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 09, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $45,719.00 (-1.12%) Homeowner's exemption | $2,913,370 (+5.99%) | $2,980,740 (+8.44%) Land $1,707,750 Building $1,272,990 |
| 2024 | $46,235.00 (+1.47%) | ||
| 2023 | $45,566.00 (+45.85%) Additional exemption filed | $2,748,800 (+53.33%) Land $1,480,050 Building $1,268,750 | $2,748,800 (+40.16%) Land $1,480,050 Building $1,268,750 |
| 2022 | $31,241.00 | $1,792,714 | $1,961,170 Land $1,024,650 Building $936,520 |
Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850013021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 167 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 253 units insured 86 under condo master policies |
| Nearby Flood Claims | 16 (1994–2025) |
| Claims Outside the SFHA | 6 of 16 |
| Most Recent Claim | Oct 2025, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 133 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Hotwire Communications | Fiber | 5,000 / 5,000 |
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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