4976 SE Channel Dr, Stuart, FL 34997 Property Records

Martin County property record for 4976 SE Channel Dr, Stuart, FL 34997 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1963
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Apr 2017)
Tax Bill	$2,973 (2024)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-38-41-001-041-00110-7`

Property Details

APN / Parcel Number

Primary APN	`51-38-41-001-041-00110-7`
Alternative APN	`40932`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,344 sqft (0.489 acres)
Pool Area	392 sqft
Porch	Porch
Porch Area	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	40932
Street Address	4976 SE CHANNEL DR
City	STUART
State	FL
Zip	34997-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PORT SALERNO LOTS 11 12 & 13 BLK 41
Legal Range	41E
Legal Township	38S
Legal Section	51
Legal Subdivision	PORT SALERNO
Legal Block	41
Legal Lot Number	11-13 12
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2001
Census Tract	1200

Owner

Source: Martin County records · APN 51-38-41-001-041-00110-7

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	Individual Name on File
Mailing Address	4976 SE CHANNEL DR, STUART, FL 34997-3319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 17, 2017	Warranty Deed, Transfer · Conventional Mortgage HARBOR COMMUNITY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 17, 2017 · Amount on Record
Deed Sale	Apr 17, 2017 · Amount on Record
Prior Sale	Apr 16, 2013 · Amount on Record
Deed Document Number	0029181564
Deed Book / Page	2918 / 1564
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4976 SE CHANNEL DR, STUART, FL 34997-3319
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031750651
Date	Nov 23, 2020
Book Page	3175/651
Instrument	2851465

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 17, 2017
Property Address	4976 SE CHANNEL DR, STUART, FL 34997-3319
Document Number	0029181564
Book / Page	02918 / 1564
Map Reference	MB1 PG132
Instrument Date	Apr 14, 2017
Instrument	2629685
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13517 S INDIAN RIVER DR, 13517, JENSEN BEACH, FL 34957-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 SUMMER ST, PORTLAND, CT 06480-1126

Mortgage

Document Number	0002629686
Date	Apr 17, 2017
Instrument	2629686

Lender

Name	HARBOR COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2047

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$200,977 (+5.99%)	$297,780 (+4.86%) Land $137,750 Building $160,030
2024	$2,973.00 (+2.59%)
2023	$2,898.00 (+2%) Additional exemption filed	$189,625 (+17.18%)	$283,980 (+38.89%) Land $137,750 Building $146,230
2022	$2,415.00 Homeowner's exemption	$161,822	$204,460 Land $85,500 Building $118,960

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850012002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1994–2004)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2004, rainfall accumulation, Hurricane Frances

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 197 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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