494 SE McDonald Ln, Stuart, FL 34994 Property Records

Martin County property record for 494 SE McDonald Ln, Stuart, FL 34994

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,039 sqft · built 2005
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 2021)
Tax Bill	$3,836 (2025)
Deeds & Mortgages	Oct 2021 Sale Nov 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-38-41-023-009-0494.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`09-38-41-023-009-0494.0-0-0000`
Alternative APNs	`09-38-41-023-009-04940-0` `984410`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,039 sqft Living Area
Gross Area	1,105 sqft
1st Floor Area	1,039 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Garage Type	Detached
Garage Area	1 sqft
Porch	Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	984410
Street Address	494 SE MCDONALD LN, 494
City	STUART
State	FL
Zip	34994-5934
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 494 BLDG 9 ESTATES AT STUART CONDO PER DOC IN OR 2060/0430
Legal Range	41E
Legal Township	38S
Legal Section	9
Legal Subdivision	THE ESTATES AT STUART CONDO
Legal Block	1
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1042
Census Tract	1000

Owner

494 SE McDonald Ln is owned by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	27010 SIZIANO PV, IT
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 30, 2018	Loan Modification, Mortgage FIRSTRUST BK
Nov 30, 2018	Loan Modification, Mortgage FIRSTRUST BK
Nov 30, 2018	Grant Deed, Mortgage · Line of Credit FIRSTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on File
Deed Sale	Oct 27, 2021 · Amount on File
Prior Sale	Nov 21, 2005 · Amount on File
Deed Document Number	20212922713
Deed Book / Page	3267 / 1491
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 27, 2021
Property Address	494 SE MCDONALD LN, STUART, FL 34994-5934
Document Number	0032671491
Book / Page	3267 / 1491
Map Reference	MB 2060 PG 430
Instrument Date	Oct 26, 2021
Instrument	2922713
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 WESTWOOD CT, 3, HARRISON, NY 10528-2512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	SANTA TERESA 34 F 1, BETHANIA, NC 27010

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Recording Date	Nov 30, 2018
Property Address	494 SE MCDONALD LN, STUART, FL 34994-5934
Document Number	0030291057
Book / Page	003029 / 001057
Instrument Date	Nov 16, 2018
Instrument	2727727
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO NA

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1608 WALNUT ST #1400 PHILADELPHIA PA 191035446, 1400, PHILADELPHIA, PA 19103-5446

Mortgage

Document Number	30291057
Date	Nov 30, 2018
Book Page	003029/001057
Instrument	2727727

Lender

Name	FIRSTRUST BK
Type	Bank
Address	15 E RIDGE PIKE, CONSHOHOCKEN, PA 19428-2139

Agreement

Amount	Amount on Record

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Recording Date	Nov 30, 2018
Property Address	494 SE MCDONALD LN, STUART, FL 34994-5934
Document Number	0030291046
Book / Page	003029 / 001046
Instrument Date	Nov 16, 2018
Instrument	2727726
Transaction Type	Mortgage
Record Updated	Dec 28, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO NA

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1608 WALNUT ST #1400 PHILADELPHIA PA 191035446, 1400, PHILADELPHIA, PA 19103-5446

Mortgage

Document Number	30291046
Date	Nov 30, 2018
Book Page	003029/001046
Instrument	2727726

Lender

Name	FIRSTRUST BK
Type	Bank
Address	15 E RIDGE PIKE, CONSHOHOCKEN, PA 19428-2139

Agreement

Amount	Amount on Record

November 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 30, 2018
Property Address	494 SE MCDONALD LN, STUART, FL 34994-5934
Document Number	0030291011
Book / Page	003029 / 001011
Instrument Date	Nov 16, 2018
Instrument	2727724
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO NA

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1608 WALNUT ST #1400 PHILADELPHIA PA 191035446, 1400, PHILADELPHIA, PA 19103-5446

Mortgage

Document Number	30291011
Date	Nov 30, 2018
Book Page	003029/001011
Instrument	2727724

Lender

Name	FIRSTRUST BK
Type	Bank
Address	15 E RIDGE PIKE, CONSHOHOCKEN, PA 19428-2139

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 494 SE McDonald Ln was $3,836, up 9.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Municipality	Stuart City
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,836.00 (+9.57%)	$203,110	$231,720 Building $231,720
2024	$3,501.00 (+8.56%)
2023	$3,225.00 (-1.04%)	$167,860 (-1.25%) Building $167,860	$167,860 (-1.25%) Building $167,860
2022	$3,259.00	$169,990 Building $169,990	$169,990 Building $169,990

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

Flood

FEMA maps place 494 SE McDonald Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	5 (1979–2022)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jun 2022 · rainfall accumulation

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 494 SE McDonald Ln is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	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	18 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 155 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Blue Stream, Hotwire Communications.

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