4952 SW Winchester Dr, Stuart, FL 34997 Property Records

Martin County property record for 4952 SW Winchester Dr, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,833 sqft · built 2020
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$634,900 (Dec 2020)
Tax Bill	$11,908 (2025)
Deeds & Mortgages	Mar 2023 Reverse Mortgage Dec 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-38-41-009-000-0045.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-009-000-0045.0-0-0000`
Alternative APNs	`41-38-41-009-000-00450-0` `1120886`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,833 sqft Living Area
Gross Area	3,548 sqft
1st Floor Area	2,833 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	13,068 sqft (0.3 acres)
View / Lot	Water View
Garage Type	Attached
Garage Area	715 sqft
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1120886
Street Address	4952 SW WINCHESTER DR
City	STUART
State	FL
Zip	34997-4523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 BANYAN BAY PUD PHASE 2A & 2B ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 18 PAGE 6 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	BANYAN BAY PUD PHASE 2A & 2B
Legal Block	2
Legal Lot Number	45
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2005
Census Tract	1103

Owner

4952 SW Winchester Dr is owned and occupied by two individuals who bought it in December 2020.

Source: Martin County records, as of September 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4952 SW WINCHESTER DR, STUART, FL 34997-4523
Occupancy	Owner Occupied
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
Mar 8, 2023	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Dec 17, 2020	Grant Deed, Transfer SIGNATURE TITLE FL PARTNERS LLC, SIGNATURE TITLE FL PTRS LLC
Jun 3, 2020	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2020 · Amount on File
Deed Sale	Dec 17, 2020 · Amount on File
Prior Sale	Jun 3, 2020 · Amount on File
Deed Document Number	20202856561
Deed Book / Page	3182 / 1567
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4952 SW WINCHESTER DR, STUART, FL 34997-4523
Transaction Type	Mortgage
Record Updated	Mar 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4952 SW WINCHESTER DR, STUART, FL 34997-4523

Mortgage

Document Number	0033630194
Date	Mar 8, 2023
Book Page	3363/194
Instrument	3005454

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	784 Months
Due	Jun 30, 2088

Interest

Rate Type	Adjustable Rate
Rate	7.22%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.2%

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 17, 2020
Property Address	4952 SW WINCHESTER DR, STUART, FL 34997-4523
Document Number	0031821567
Book / Page	003182 / 001567
Instrument Date	Dec 11, 2020
Instrument	2856561
Transaction Type	Transfer
Record Updated	Jan 18, 2021
Title Company	SIGNATURE TITLE FL PARTNERS LLC, SIGNATURE TITLE FL PTRS LLC

Transaction

Amount	Amount on Record
Tax	$4,444.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4952 SW WINCHESTER DR STUART FL 349974523, STUART, FL 34997-4523

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 3, 2020
Property Address	4952 SW WINCHESTER DR, STUART, FL 34997-4523
Document Number	0031322753
Book / Page	003132 / 002753
Instrument Date	May 29, 2020
Instrument	2817593
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount on Record
Tax	$5,969.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1450 CENTREPARK BLVD #340 WEST PALM BEACH FL 334017443, 340, WEST PALM BEACH, FL 33401-7443
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4952 SW Winchester Dr was $11,908, up 1.6% 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	$11,908.00 (+1.56%)	$724,800 Land $285,000 Building $439,800	$724,800 Land $285,000 Building $439,800
2024	$11,725.00 (+3.29%)
2023	$11,352.00 (+8.69%)	$620,705 (+1%)	$715,260 (+6.85%) Land $285,000 Building $430,260
2022	$10,444.00	$564,278	$669,390 Land $282,500 Building $386,890

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

Flood

FEMA maps place 4952 SW Winchester Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 in force

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 4952 SW Winchester Dr is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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