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496 SE Cardinal Trl, Stuart, FL 34997 Property Records

Martin County property record for 496 SE Cardinal Trl, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 921 sqft · built 1984
Lot Size0.21 acres (9,148 sqft)
Owner2 Individual Names on Record
Last Sale$362,500 (Aug 2024)
Tax Bill$5,346 (2025)
Deeds & MortgagesSep 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN04-39-41-003-000-0063.0-9-0000

Property Details

APN / Parcel Number

Primary APN04-39-41-003-000-0063.0-9-0000
Alternative APNs
  • 04-39-41-003-000-00630-9
  • 60658

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms2 Rooms
Stories1 Story
Building Area921 sqft Living Area
Gross Area1,236 sqft
1st Floor Area921 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area9,148 sqft (0.21 acres)
Garage TypeAttached
Garage Area315 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchSlab
Porch Area300 sqft
Deck Area108 sqft
Patio Area108 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address496 SE CARDINAL TRL
CitySTUART
StateFL
Zip34997-7306
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2B
Legal DescriptionSOUTH RIVER COLONY UNREC LOT 63 (LESS PT ON S/LN) & PT OF LOT 62 IN NE COR AS DESC IN OR 597/732
Legal Range41E
Legal Township39S
Legal Section4
Legal SubdivisionSOUTH RIVER COLONY
Legal Block2
Legal Lot Number63,62
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group2
Census Block2022
Census Tract1108

Owner

Source: Martin County records, as of August 12, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address2615 ARDOR LN, ORANGE CITY, FL 32763-2228
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 5, 2024 · Amount on Record
Deed SaleAug 5, 2024 · Amount on Record
Prior SaleJan 30, 2001 · Amount on Record
Deed Document Number20243085210
Deed Book / Page3451 / 1944
Record UpdatedSep 20, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address496 SE CARDINAL TRL, STUART, FL 34997-7306
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0030841043
DateSep 23, 2019
Book Page3084/1043
Instrument2776218
Lender
NamePNC BANK NA
TypeBank
AddressPITTSBURGH, PA 15222
Agreement
TypeLine of Credit
AmountAmount Recorded
Term144 Months
DueSep 15, 2031

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,346.00 (+235.8%)$309,690 (+186.92%) Land $200,000 Building $109,690$309,690 (+10.14%) Land $200,000 Building $109,690
2024$1,592.00 (+3.65%)
2023$1,536.00 (+4.77%) Additional exemption filed$107,935 (+3%)$281,170 (+4.16%) Land $185,000 Building $96,170
2022$1,466.00 Homeowner's exemption$104,792$269,930 Land $188,700 Building $81,230

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 247 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies247 in force
Nearby Flood Claims3 (1995–2004)
Most Recent ClaimSep 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 RiskHigh
above 72% of the US · above 56% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSOUTH FORK HOMEOWNER UTIL CORP
private · serves 200 people · EPA ID FL4430484
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

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

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting22
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 109 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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