Martin County property record for 4723 SE Cheerio Way, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,709 sqft · built 2005 |
| Lot Size | 0.504 acres (21,954 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,462,500 (Mar 2026) |
| Tax Bill | $9,908 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 48-38-41-160-000-0011.0-6-0000 |
| Primary APN | 48-38-41-160-000-0011.0-6-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,709 sqft Living Area |
| Gross Area | 4,783 sqft |
| 1st Floor Area | 3,709 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 21,954 sqft (0.504 acres) |
| Garage Type | Attached |
| Garage Area | 904 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Porch | Screened Concrete Masonry Porch |
| Porch Area | 1,025 sqft |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 39064 |
|---|---|
| Street Address | 4723 SE CHEERIO WAY |
| City | STUART |
| State | FL |
| Zip | 34997-6940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | ROYAL HARBOR LOT 11 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 48 |
| Legal Subdivision | ROYAL HARBOR |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 1302 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4723 SE CHEERIO WAY, STUART, FL 34997-6940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Sep 4, 2025 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2026 · Amount on Record |
| Deed Sale | Mar 31, 2026 · Amount on Record |
| Prior Sale | Nov 18, 1987 · Amount on Record |
| Deed Document Number | 20263177675 |
| Deed Book / Page | 3557 / 797 |
| Prior Transfer Date | Aug 21, 1996 |
| Prior Transfer Doc | 1193001689 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 4723 SE CHEERIO WAY, STUART, FL 34997-6940 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4723 SE CHEERIO WAY, STUART, FL 34997-6940 |
| Document Number | 0035191727 |
|---|---|
| Date | Sep 4, 2025 |
| Book Page | 3519/1727 |
| Instrument | 3145618 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 18, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Mar 31, 2026 |
| Property Address | 4723 SE CHEERIO WAY, STUART, FL 34997-6940 |
| Document Number | 0035570797 |
| Book / Page | 3557 / 797 |
| Map Reference | MB 8 PG 25 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 3177675 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,237.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5353 SE MILES GRANT RD # RDF105, RDF105, STUART, FL 34997-1771 |
| Name | Verified Name |
|---|---|
| Address | 4723 SE CHEERIO WAY, STUART, FL 34997-6940 |
| Document Number | 0003557799 |
|---|---|
| Date | Mar 31, 2026 |
| Instrument | 3557/799 |
| Name | CITADEL SERVICING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
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 | $9,908.00 (-0.9%) Homeowner's exemption | $641,424 (+5.99%) | $1,104,940 (-1.71%) Land $370,000 Building $734,940 |
| 2024 | $9,998.00 (+1.75%) | ||
| 2023 | $9,826.00 (+3.44%) Additional exemption filed | $605,192 (+3%) | $1,124,110 (+12.22%) Land $370,000 Building $754,110 |
| 2022 | $9,499.00 Homeowner's exemption | $587,566 | $1,001,730 Land $379,750 Building $621,980 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 167 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 253 units insured incl. 86 condo units |
| Nearby Flood Claims | 16 (1994–2025) |
| Claims Outside the SFHA | 6 of 16 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 140 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, T-Mobile.
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