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4651 SW Ardsley Dr, Stuart, FL 34997 Property Records

Martin County property record for 4651 SW Ardsley Dr, Stuart, FL 34997 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,031 sqft · built 2020
Lot Size0.14 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$650,000 (Aug 2022)
Tax Bill$8,361 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Aug 2021 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN41-38-41-009-000-0015.0-0-0000

Property Details

APN / Parcel Number

Primary APN41-38-41-009-000-0015.0-0-0000
Alternative APNs
  • 41-38-41-009-000-00150-0
  • 1120856

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,031 sqft Finished Area
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address4651 SW ARDSLEY DR
CitySTUART
StateFL
Zip34997-4527
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 15 BANYAN BAY PUD PHASE 2A & 2B ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 18 PAGE 6 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range41E
Legal Township38S
Legal Section41
Legal SubdivisionBANYAN BAY PUD PHASE 2A & 2B
Legal Block2
Legal Lot Number15
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group2
Census Block2005
Census Tract1103

Owner

Source: Martin County records · APN 41-38-41-009-000-0015.0-0-0000

Assessment roll updated August 27, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address4651 SW ARDSLEY DR, STUART, FL 34997-4527
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2022Warranty Deed, Transfer · VA Mortgage
NAVY FCU
Aug 03, 2021Deed of Trust, Mortgage · Line of Credit
SEACOAST NATIONAL BANK
Jul 29, 2020Special Warranty Deed, Transfer · Conventional Mortgage
NVR MORTGAGE FINANCE INC
Dec 26, 2019Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 24, 2022 · Amount on Record
Deed SaleAug 24, 2022 · Amount on Record
Prior SaleJul 29, 2020 · Amount on Record
Deed Document Number20222977186
Deed Book / Page3332 / 618
Record UpdatedSep 20, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateAug 24, 2022
Property Address4651 SW ARDSLEY DR, STUART, FL 34997-4527
Document Number0033320618
Book / Page3332 / 618
Map ReferenceMB 18 PG 6
Instrument DateAug 18, 2022
Instrument2977186
Transaction TypeTransfer
Record UpdatedSep 15, 2022
Title CompanySIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,550.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6025 CALLAN DR, 6025, COLORADO SPRINGS, CO 80927-9669

Transferred To (Grantee/Buyer)

NameVerified Name
Address4651 SW ARDSLEY DR, STUART, FL 34997-4527

Mortgage

Document Number0003332620
DateAug 24, 2022
Instrument3332/620
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address4651 SW ARDSLEY DR, STUART, FL 34997-4527
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4651 SW ARDSLEY DR, STUART, FL 34997-4527

Mortgage

Document Number0032460728
DateAug 03, 2021
Book Page3246/728
Instrument2906016
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34995
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionMARTIN FL
Recording DateJul 29, 2020
Property Address4651 SW ARDSLEY DR, STUART, FL 34997-4527
Document Number0031460476
Book / Page3146 / 476
Map ReferenceMB 18 PG 6
Instrument DateJul 28, 2020
Instrument2828306
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,206.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1450 CENTREPARK BLVD STE 340, 1450, WEST PALM BEACH, FL 33401-7443

Transferred To (Grantee/Buyer)

NameVerified Name
Address4651 SW ARDSLEY DR, STUART, FL 34997-4527

Mortgage

Document Number0003146478
DateJul 29, 2020
Instrument3146/478
Lender
NameNVR MORTGAGE FINANCE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

December 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMARTIN FL
Recording DateDec 26, 2019
Property Address4651 SW ARDSLEY DR, STUART, FL 34997-4527
Document Number0031020978
Book / Page003102 / 000978
Instrument DateDec 20, 2019
Instrument2791709
Transaction TypeTransfer
Record UpdatedJan 20, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount Recorded
Tax$15,008.39
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1450 CENTREPARK BLVD #340 WEST PALM BEACH FL 334017443, 340, WEST PALM BEACH, FL 33401-7443
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$8,361.00 (-0.82%) Homeowner's exemption Veteran's exemption$547,407 (-0.23%)$570,630 (+4%) Land $250,000 Building $320,630
2024$8,430.00 (-4.39%)
2023$8,817.00 (+28.75%) Additional exemption filed$548,680 (+28.38%) Land $235,000 Building $313,680$548,680 (+4.55%) Land $235,000 Building $313,680
2022$6,848.00 Homeowner's exemption$427,398$524,800 Land $242,950 Building $281,850

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850011032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 61 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies61 in force

Wildfire

Wildfire RiskModerate
above 46% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 1,370 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 147 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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