476 SE Cardinal Trl, Stuart, FL 34997 Property Records

Martin County property record for 476 SE Cardinal Trl, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,900 sqft · built 1973
Lot Size	0.194 acres (8,451 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Jun 2000)
Tax Bill	$2,610 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-39-41-003-000-0062.0-1-0000`

Property Details

APN / Parcel Number

Primary APN	`04-39-41-003-000-0062.0-1-0000`
Alternative APNs	`04-39-41-003-000-00620-1` `60657`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,900 sqft Living Area
Gross Area	2,372 sqft
1st Floor Area	1,900 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood Siding
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,451 sqft (0.194 acres)
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	375 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	72 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	60657
Street Address	476 SE CARDINAL TRL
City	STUART
State	FL
Zip	34997-7306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2B
Legal Description	SOUTH RIVER COLONY UNREC LOT 62 (LESS TRIANGLE IN NE COR AS DESC IN 597/732) & PART OF LOT 63 ALG S/LN
Legal Range	41E
Legal Township	39S
Legal Section	4
Legal Subdivision	SOUTH RIVER COLONY
Legal Block	2
Legal Lot Number	62
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2022
Census Tract	1108

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	476 SE CARDINAL TRL, STUART, FL 34997-7306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2020	Deed of Trust, Mortgage · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Jun 15, 2021	Deed of Trust, Mortgage · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Jul 17, 2019	Deed of Trust, Mortgage · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Aug 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage CASTLE & COOKE MORTGAGE LLC
Feb 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2000 · Amount on Record
Deed Sale	Jun 30, 2000 · Amount on Record
Prior Sale	Jul 1, 1985 · Amount on Record
Deed Book / Page	1492 / 823
Last Transfer Date	Jun 30, 2025
Transfer Doc	0035082828
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	476 SE CARDINAL TRL, STUART, FL 34997-7306
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0031240171
Date	Apr 17, 2020
Book Page	3124/171
Instrument	2810315

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	476 SE CARDINAL TRL, STUART, FL 34997-7306
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 SE CARDINAL TRL, STUART, FL 34997-7306

Mortgage

Document Number	0032330434
Date	Jun 15, 2021
Book Page	3233/434
Instrument	2895757

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	476 SE CARDINAL TRL, STUART, FL 34997-7306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030712426
Date	Jul 17, 2019
Book Page	3071/2426
Instrument	2765691

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	476 SE CARDINAL TRL, STUART, FL 34997-7306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030110650
Date	Aug 20, 2018
Book Page	03011/0650
Instrument	2711361

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Feb 2, 2018
Property Address	476 SE CARDINAL TRL, STUART, FL 34997-7306
Document Number	0029730328
Book / Page	002973 / 000328
Instrument Date	Feb 2, 2018
Instrument	2676818
Transaction Type	Transfer
Record Updated	Feb 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	476 SE CARDINAL TRL STUART FL 349977306, STUART, FL 34997-7306

Tax Assessment & Valuation

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	$2,610.00 (-0.15%)	$178,423 (+5.99%)	$418,520 (+13.85%) Land $200,000 Building $218,520
2024	$2,614.00 (+2.79%)
2023	$2,543.00 (+4.14%) Additional exemption filed	$168,345 (+3%)	$367,610 (+7.79%) Land $185,000 Building $182,610
2022	$2,442.00 Homeowner's exemption	$163,442	$341,040 Land $188,700 Building $152,340

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 247 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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

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

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOUTH FORK HOMEOWNER UTIL CORP private · serves 200 people · EPA ID FL4430484
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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