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4870 SE Pine Ridge Way, Stuart, FL 34997 Property Records

Martin County property record for 4870 SE Pine Ridge Way, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,709 sqft · built 2020
Lot Size0.291 acres (12,676 sqft)
Owner2 Company Names on Record
Last Sale$29,000 (Mar 2002)
Tax Bill$4,665 (2025)
Deeds & MortgagesJan 2020 Construction Loan
Jan 2022 Transfer
Flood ZoneZone X (minimal risk)
APN48-38-41-007-000-0003.0-0-0000

Property Details

APN / Parcel Number

Primary APN48-38-41-007-000-0003.0-0-0000
Alternative APNs
  • 48-38-41-007-000-00030-0
  • 38655

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,709 sqft Living Area
Gross Area2,668 sqft
1st Floor Area1,709 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,676 sqft (0.291 acres)
Garage TypeAttached
Garage Area441 sqft
PorchScreened Concrete Masonry Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number38655
Street Address4870 SE PINE RIDGE WAY
CitySTUART
StateFL
Zip34997-6973
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1B
Legal DescriptionPINE RIDGE GARDENS UNREC COM AT SW COR LOT 40 NE ALG S/LN 123.53 FOR POB.. N23-42-45W 175.06 N75-40E 76.02 S23-42-45E 162.67 & SWLY 75 TO POB (LOT 3)
Legal Range41E
Legal Township38S
Legal Section48
Legal SubdivisionPINE RIDGE GARDENS UNRECORDED
Legal Block1
Legal Lot Number40
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1014
Census Tract1302

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 Record2 Company Names on Record
Mailing Address4870 SE PINE RIDGE WAY, STUART, FL 34997-6973
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Jan 10, 2020Deed of Trust, Mortgage · Construction Mortgage
GATEWAY FIRST BANK
Jan 20, 2022Intrafamily Transfer, Transfer
ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 15, 2002 · Amount on Record
Deed SaleMar 15, 2002 · Amount on Record
Prior SaleDec 22, 1999 · Amount on Record
Deed Document Number20021558544
Deed Book / Page1628 / 1542
Last Transfer DateJan 18, 2022
Transfer Doc0032870910
Record UpdatedOct 29, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address4870 SE PINE RIDGE WAY, STUART, FL 34997-6973
Transaction TypeMortgage
Record UpdatedApr 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031050126
DateJan 10, 2020
Book Page3105/0126
Instrument2794219
Lender
NameGATEWAY FIRST BANK
TypeMortgage Company
AddressJENKS, OK 74037
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term9 Months
DueOct 17, 2020
Interest
Rate TypeAdjustable Rate
Rate5.75%
Type Change DateNov 1, 2019
Change FrequencyMonthly
Min Rate At Change4.75%
Max Rate At Change6.75%
IndexPrime Rate
Max Rate10.7%

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMARTIN FL
Recording DateJan 20, 2022
Property Address4870 SE PINE RIDGE WAY, STUART, FL 34997-6973
Document Number0032870910
Book / Page3287 / 910
Instrument DateJan 18, 2022
Instrument2937990
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4870 SE PINE RIDGE WAY, STUART, FL 34997-6973

Tax Assessment & Valuation

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,665.00 (-0.58%) Homeowner's exemption$308,753 (+5.99%)$635,460 (+9.9%) Land $240,000 Building $395,460
2024$4,692.00 (+2.16%)
2023$4,593.00 (+3.7%) Additional exemption filed$291,313 (+3%)$578,230 (+20.62%) Land $225,000 Building $353,230
2022$4,429.00 Homeowner's exemption$282,829$479,370 Land $215,250 Building $264,120

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 167 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies253 units insured
incl. 86 condo units
Nearby Flood Claims16 (1994–2025)
Claims Outside the SFHA6 of 16
Most Recent ClaimOct 2025 · rainfall accumulation
Claims by Event
  • Hurricane Frances, Sep 2004 · 5 claims
  • Severe Flooding, Oct 1995 · 3 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 349 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250

May also be available: T-Mobile.

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