4939 SE Pine Ridge Way, Stuart, FL 34997 Property Records

Martin County property record for 4939 SE Pine Ridge Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,833 sqft · built 1973
Lot Size	0.257 acres (11,195 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2020)
Tax Bill	$4,487 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-007-000-0017.1-9-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-007-000-0017.1-9-0000`
Alternative APNs	`48-38-41-007-000-00171-9` `38676`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,833 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	1,833 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,195 sqft (0.257 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	300 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	256 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38676
Street Address	4939 SE PINE RIDGE WAY
City	STUART
State	FL
Zip	34997-6929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	PINE RIDGE GARDENS UNREC W 80 OF E 880 OF N 140 (MEASURED ALG N/LN) OF LOT 40 (LOT 17-E) & 1/2 OF RD ADJ TO S/LN
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	PINE RIDGE GARDENS UNRECORDED
Legal Block	1
Legal Lot Number	17-E
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1014
Census Tract	1302

Owner

4939 SE Pine Ridge Way is owned and occupied by two individuals who bought it in August 2020.

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 File
Mailing Address	4939 SE PINE RIDGE WAY, STUART, FL 34997-6929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Aug 26, 2020	Warranty Deed, Transfer · FHA Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2020 · Amount on File
Deed Sale	Aug 26, 2020 · Amount on File
Prior Sale	Dec 6, 2012 · Amount on File
Deed Document Number	20202834115
Deed Book / Page	3153 / 567
Prior Transfer Date	Dec 14, 2011
Prior Transfer Doc	0025522132
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4939 SE PINE RIDGE WAY, STUART, FL 34997-6929
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4939 SE PINE RIDGE WAY, STUART, FL 34997-6929

Mortgage

Document Number	0035200877
Date	Sep 8, 2025
Book Page	3520/877
Instrument	3146098

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 26, 2020
Property Address	4939 SE PINE RIDGE WAY, STUART, FL 34997-6929
Document Number	0031530567
Book / Page	3153 / 567
Instrument Date	Aug 17, 2020
Instrument	2834115
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	83 PADGETT DR, 83, BLUFFTON, SC 29909-4502

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4939 SE PINE RIDGE WAY, STUART, FL 34997-6929

Mortgage

Document Number	0003153569
Date	Aug 26, 2020
Instrument	3153/569

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4939 SE Pine Ridge Way was $4,487 with a homeowner's exemption, down 0.6% 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	$4,487.00 (-0.58%) Homeowner's exemption	$297,507	$440,360 Land $240,000 Building $200,360
2024	$4,513.00 (+2.2%)
2023	$4,416.00 (+3.74%) Additional exemption filed	$280,702 (+3%)	$401,590 (+15.44%) Land $225,000 Building $176,590
2022	$4,257.00 Homeowner's exemption	$272,527	$347,890 Land $215,250 Building $132,640

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

Flood

FEMA maps place 4939 SE Pine Ridge Way in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1994.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	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

Wildfire risk around 4939 SE Pine Ridge Way is low, with a 0.01% annual chance of wildfire.

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.

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 349 locations within half a mile, as of December 31, 2025

Provider	Max 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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