Martin County property record for 51 SE River Lights Ct, Stuart, FL 34996
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,000 sqft · built 2003 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $860,000 (Mar 2020) |
| Tax Bill | $13,124 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jan 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-38-41-044-000-0013.0-0-0000 |
| Primary APN | 03-38-41-044-000-0013.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,000 sqft Living Area |
| 1st Floor Area | 1,210 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,098 sqft (0.14 acres) |
| View / Lot | Zero Lot Line |
| Garage Type | Detached |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 808 sqft |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 154913 |
|---|---|
| Street Address | 51 SE RIVER LIGHTS CT |
| City | STUART |
| State | FL |
| Zip | 34996-1803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 13 SNUG HARBOR WEST ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 15 PAGE 19 PUBLIC RECORDS MARTIN COUNTY FLORIDA |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 3 |
| Legal Subdivision | SNUG HARBOR |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | STUART |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 902 |
Source: Martin County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 51 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Aug 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage RAYMOND JAMES BANK NA |
| Jan 7, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Mar 11, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Sep 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage SEACOAST NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2020 · Amount on Record |
| Deed Sale | Mar 11, 2020 · Amount on Record |
| Prior Sale | Nov 15, 2018 |
| Deed Document Number | 20202804699 |
| Deed Book / Page | 3116 / 2492 |
| Prior Transfer Date | Jun 12, 2018 |
| Prior Transfer Doc | 0002725928 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 51 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 51 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Document Number | 0033282754 |
|---|---|
| Date | Aug 4, 2022 |
| Book Page | 3328/2754 |
| Instrument | 2974293 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33716 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Jan 7, 2022 |
| Property Address | 51 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Document Number | 0032841443 |
| Book / Page | 3284 / 1443 |
| Map Reference | MB 15 PG 19 |
| Instrument Date | Jan 7, 2022 |
| Instrument | 2935724 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Mar 11, 2020 |
| Property Address | 51 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Document Number | 0031162492 |
| Book / Page | 003116 / 002492 |
| Instrument Date | Mar 5, 2020 |
| Instrument | 2804699 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,020.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 51 DSE RIVER LIGHTS CT STUART FL 34996, STUART, FL 34996 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Sep 11, 2019 |
| Property Address | 51 SE RIVER LIGHTS CT, STUART, FL 34996-1803 |
| Document Number | 0030820101 |
| Book / Page | 003082 / 000101 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 2774333 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42000 MIDTOWN CIR #205 NOVI MI 48375, 205, NOVI, MI 48375 |
| Document Number | 30820104 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 003082/000104 |
| Instrument | 2774335 |
| Name | SEACOAST NAT'L BK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34994 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 10, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Municipality | Stuart City |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,124.00 (-0.95%) Homeowner's exemption | $782,873 (+5.99%) | $977,660 (+1.38%) Land $400,000 Building $577,660 |
| 2024 | $13,250.00 (+2.12%) | ||
| 2023 | $12,975.00 (+3.2%) Additional exemption filed | $738,651 (+3%) | $964,390 (+32.41%) Land $400,000 Building $564,390 |
| 2022 | $12,573.00 Homeowner's exemption | $717,137 | $728,340 Land $316,200 Building $412,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 69 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 in force |
| Nearby Flood Claims | 11 (1978–2018) |
| Claims Outside the SFHA | 4 of 11 |
| Most Recent Claim | May 2018 |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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