509 SE Cortez Ave, Stuart, FL 34994 Property Records

Martin County property record for 509 SE Cortez Ave, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,082 sqft · built 1974
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Nov 2019)
Tax Bill	$3,309 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-38-41-023-002-0004.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`04-38-41-023-002-0004.0-7-0000`
Alternative APNs	`04-38-41-023-002-00040-7` `438410230020004070000` `21965`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,082 sqft Living Area
Gross Area	1,282 sqft
1st Floor Area	1,082 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Carport
Garage Area	228 sqft
Carport	Carport
Carport Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Screened Concrete Masonry Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21965
Street Address	509 SE CORTEZ AVE
City	STUART
State	FL
Zip	34994-2413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	STYPMANN PARK THIRD ADDN LOTS 4 5 & 6 BLK 2 AND THE N 1/2 THE ABANDONED ALLEY S OF LOT 6 PER OR 3289/2457
Legal Range	41E
Legal Township	38S
Legal Section	4
Legal Subdivision	STYPMANN PARK
Legal Block	2
Legal Lot Number	4,6
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1050
Census Tract	800

Owner

509 SE Cortez Ave is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	509 SE CORTEZ AVE, STUART, FL 34994-2413
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
Nov 7, 2019	Warranty Deed, Transfer USAA
Feb 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2019 · Amount on File
Deed Sale	Nov 7, 2019 · Amount on File
Prior Sale	Sep 11, 2015 · Amount on File
Deed Document Number	20192783924
Deed Book / Page	3093 / 1244
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 7, 2019
Property Address	509 SE CORTEZ AVE, STUART, FL 34994-2413
Document Number	0030931244
Book / Page	003093 / 001244
Instrument Date	Oct 30, 2019
Instrument	2783924
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,025.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 SE CORTEZ AVE STUART FL 349942413, STUART, FL 34994-2413

Mortgage

Document Number	30931247
Date	Nov 7, 2019
Book Page	003093/001247
Instrument	2783926

Lender

Name	USAA
Address	SAN ANTONIO, TX 78228-0544

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	509 SE CORTEZ AVE, STUART, FL 34994-2413
Document Number	0029752914
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Mar 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 SE CORTEZ AVE STUART FL 349942413, STUART, FL 34994-2413

Mortgage

Document Number	0029752914
Date	Feb 20, 2018
Book Page	002975/002914
Instrument	2679523

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 19, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 509 SE Cortez Ave was $3,309 with a homeowner's exemption, down 0.8% 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	$3,309.00 (-0.84%) Additional exemption filed	$224,984	$282,380 Land $160,000 Building $122,380
2024	$3,337.00 (+2.27%)
2023	$3,263.00 (+3.85%) Additional exemption filed	$212,276 (+3%)	$301,960 (+9.72%) Land $160,000 Building $141,960
2022	$3,142.00 Homeowner's exemption	$206,094	$275,220 Land $138,380 Building $136,840

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

Flood

FEMA maps place 509 SE Cortez Ave in Zone X, an area of minimal flood risk, though there have been 48 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 43 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	58 units insured incl. 15 condo units
Nearby Flood Claims	48 (1979–2022)
Claims Outside the SFHA	34 of 48
Most Recent Claim	Jun 2022 · tidal / storm surge
Claims by Event	Hurricane Frances, Sep 2004 · 23 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

Wildfire risk around 509 SE Cortez Ave 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 99.8% of the US · lower than 99.7% 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 377 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 · DSL · Fiber in parts of the area	100 / 20

May also be available: Blue Stream, T-Mobile.

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