4994 SE Pine Knoll Way, Stuart, FL 34997 Property Records

Martin County property record for 4994 SE Pine Knoll Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,486 sqft · built 1989
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Oct 2026)
Tax Bill	$4,559 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-006-000-0009.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-006-000-0009.0-8-0000`
Alternative APNs	`48-38-41-006-000-00090-8` `38585`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,486 sqft Living Area
Gross Area	1,948 sqft
1st Floor Area	1,486 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	10 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38585
Street Address	4994 SE PINE KNOLL WAY
City	STUART
State	FL
Zip	34997-6928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	PINE KNOLL UNREC LOT 9 & 1/72 INT IN STREET OR 351/1693
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	PINE KNOLL UNRECORDED
Legal Block	1
Legal Lot Number	9,1
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1014
Census Tract	1302

Owner

Source: Martin County records, as of October 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4994 SE PINE KNOLL WAY, STUART, FL 34997-6928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE COMPANY
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 28, 2019	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Oct 28, 2019 · Amount on Record
Deed Document Number	20263207814
Deed Book / Page	3593 / 2564
Prior Transfer Date	May 23, 2016
Prior Transfer Doc	0028562956
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 1, 2026
Property Address	4994 SE PINE KNOLL WAY, STUART, FL 34997-6928
Document Number	0003207814
Book / Page	3593 / 2564
Instrument Date	Sep 30, 2026
Instrument	20263207814
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399,455.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003207815,
Date	Oct 1, 2026
Instrument	20263207815

Lender

Name	TOWNE MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	4994 SE PINE KNOLL WAY, STUART, FL 34997-6928
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4994 SE PINE KNOLL WAY, STUART, FL 34997-6928

Mortgage

Document Number	0032072834
Date	Mar 19, 2021
Book Page	3207/2834
Instrument	2875790

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 28, 2019
Property Address	4994 SE PINE KNOLL WAY, STUART, FL 34997-6928
Document Number	0030910270
Book / Page	003091 / 000270
Instrument Date	Oct 25, 2019
Instrument	2781942
Transaction Type	Transfer
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,027.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4994 SE PINE KNOLL WAY STUART FL 349976928, STUART, FL 34997-6928

Mortgage

Document Number	30910272
Date	Oct 28, 2019
Book Page	003091/000272
Instrument	2781943

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

Tax Assessment & Valuation

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	$4,559.00 (+1.38%) Homeowner's exemption	$302,038 (+7.95%)	$413,800 (+8.86%) Land $220,000 Building $193,800
2024	$4,497.00 (+2.18%)
2023	$4,401.00 (+6.28%) Additional exemption filed	$279,798 (+5.36%)	$380,110 (+12.46%) Land $205,000 Building $175,110
2022	$4,141.00 Homeowner's exemption	$265,564	$338,000 Land $210,000 Building $128,000

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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