4645 SE Desoto Ave, Stuart, FL 34997 Property Records

Martin County property record for 4645 SE Desoto Ave, Stuart, FL 34997

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,440 sqft · built 1925
Lot Size	0.263 acres (11,456 sqft)
Owner	Company Name on File
Last Sale	$900,000 (May 2022)
Tax Bill	$7,562 (2025)
Deeds & Mortgages	Sep 2025 Mortgage May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`51-38-41-001-066-0006.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`51-38-41-001-066-0006.0-4-0000`
Alternative APNs	`51-38-41-001-066-00060-4` `41116`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Units	6 Units
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,456 sqft (0.263 acres)
Garage Type	Carport
Garage Area	242 sqft
Carport	Carport
Carport Area	242 sqft
Porch	Enclosed Porch
Porch Area	384 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	41116
Street Address	4645 SE DESOTO AVE
City	STUART
State	FL
Zip	34997-6870
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2A
Legal Description	PORT SALERNO LOT 6 & THAT PT OF CLOSED ALLEY ADJ SELY LN BLK 66
Legal Range	41E
Legal Township	38S
Legal Section	51
Legal Subdivision	PORT SALERNO
Legal Block	66
Legal Lot Number	6
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	3
Census Block	3020
Census Tract	1301

Owner

4645 SE Desoto Ave, a duplex, is owned by a company that bought it in May 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	5314 SW WOODHAM ST, PALM CITY, FL 34990-5243
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · Commercial Mortgage SPEECHLER FAMILY PARTNERSHIP LP
May 31, 2022	Warranty Deed, Transfer · Commercial Mortgage MERMAIDS GALORE LLC
May 13, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 13, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on File
Deed Sale	May 31, 2022 · Amount on File
Prior Sale	Apr 13, 2021 · Amount on File
Deed Document Number	20222963186
Deed Book / Page	3316 / 1130
Prior Transfer Date	May 11, 2021
Prior Transfer Doc	0032240540
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4645 SE DESOTO AVE, STUART, FL 34997-6870
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5314 SW WOODHAM ST, PALM CITY, FL 34990-5243

Mortgage

Document Number	0035212309
Date	Sep 16, 2025
Book Page	3521/2309
Instrument	3147414

Lender

Name	SPEECHLER FAMILY PARTNERSHIP LP
Type	Non-Lending Institution
Address	HOLLYWOOD, FL 33019

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Sep 30, 2026

Interest

Rate Type	Adjustable Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 31, 2022
Property Address	4645 SE DESOTO AVE, STUART, FL 34997-6870
Document Number	0033161130
Book / Page	3316 / 1130
Map Reference	MB 5 PG 16
Instrument Date	May 27, 2022
Instrument	2963186
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4872 SE FLOUNDER AVE, 4872, STUART, FL 34997-8848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5314 SW WOODHAM ST, PALM CITY, FL 34990-5243

Mortgage

Document Number	0033161134
Date	May 31, 2022
Instrument	3316/1134

Lender

Name	MERMAIDS GALORE LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	26 Months
Due	Jul 26, 2024

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	May 13, 2021
Property Address	4645 SE DESOTO AVE, STUART, FL 34997-6870
Document Number	0032240540
Book / Page	3224 / 540
Map Reference	MB 5 PG 47
Instrument Date	May 11, 2021
Instrument	2888537
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4872 SE FLOUNDER AVE, 4872, STUART, FL 34997-8848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4872 SE FLOUNDER AVE, STUART, FL 34997-8848

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 13, 2021
Property Address	4645 SE DESOTO AVE, STUART, FL 34997-6870
Document Number	0032150032
Book / Page	3215 / 32
Map Reference	MB 5 PG 47
Instrument Date	Apr 9, 2021
Instrument	2881311
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4745 SE DESOTO AVE, 4745, STUART, FL 34997-6809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4872 SE FLOUDER AVE, STUART, FL 34997-8848

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 17, 2019
Property Address	4645 SE DESOTO AVE, STUART, FL 34997-6870
Document Number	0030651860
Book / Page	003065 / 001860
Instrument Date	Jun 6, 2019
Instrument	2760338
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4645 SE DESOTO AVE STUART FL 349976870, STUART, FL 34997-6870

Tax Assessment & Valuation

The 2025 property tax bill for 4645 SE Desoto Ave was $7,562, up 14.3% 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	$7,562.00 (+14.3%)	$380,133	$504,000 Land $61,750 Building $442,250
2024	$6,616.00 (+8.8%)
2023	$6,081.00 (+10.54%)	$314,160 (+11.45%) Land $47,500 Building $266,660	$314,160 (+11.45%) Land $47,500 Building $266,660
2022	$5,501.00	$281,880 Land $26,600 Building $255,280	$281,880 Land $26,600 Building $255,280

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4645 SE Desoto Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 174 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	262 units insured incl. 88 condo units
Nearby Flood Claims	33 (1979–2022)
Claims Outside the SFHA	20 of 33
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Frances, Sep 2004 · 8 claims Hurricane Irene, Oct 1999 · 2 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

The area around 4645 SE Desoto Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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