521 SE Cortez Ave, Stuart, FL 34994 Property Records

Martin County property record for 521 SE Cortez Ave, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,144 sqft · built 1981
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on File
Tax Bill	$1,105 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-38-41-023-002-0018.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`04-38-41-023-002-0018.0-7-0000`
Alternative APNs	`04-38-41-023-002-00180-7` `438410230020018070000` `21970`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,430 sqft
1st Floor Area	1,144 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,011 sqft (0.138 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	21970
Street Address	521 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 18 19 & 20 BLK 2
Legal Range	41E
Legal Township	38S
Legal Section	4
Legal Subdivision	STYPMANN PARK
Legal Block	2
Legal Lot Number	18
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1050
Census Tract	800

Owner

521 SE Cortez Ave is owned and occupied by an individual who acquired it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	521 SE CORTEZ AVE, STUART, FL 34994-2413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Sep 19, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage DREAMLINE MORTGAGE INC
Oct 22, 2020	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2008
Deed Sale	Oct 31, 2008
Prior Sale	Oct 31, 2008 · Amount on File
Deed Document Number	20082114428
Deed Book / Page	2358 / 1485
Last Transfer Date	Sep 14, 2023
Transfer Doc	0033970895
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Sep 19, 2023
Property Address	521 SE CORTEZ AVE, STUART, FL 34994-2413
Document Number	0033970895
Book / Page	3397 / 895
Map Reference	MB 1 PG 29
Instrument Date	Sep 14, 2023
Instrument	3036050
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	521 SE CORTEZ AVE, STUART, FL 34994-2413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 SE CORTEZ AVE, STUART, FL 34994-2413

Mortgage

Document Number	0003397897
Date	Sep 19, 2023
Instrument	3397/897

Lender

Name	DREAMLINE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	521 SE CORTEZ AVE, STUART, FL 34994-2413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 SE CORTEZ AVE, STUART, FL 34994-2413

Mortgage

Document Number	0031672630
Date	Oct 22, 2020
Book Page	3167/2630
Instrument	2845508

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 521 SE Cortez Ave was $1,105 with a homeowner's exemption, down 0.5% 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	$1,105.00 (-0.45%) Homeowner's exemption	$98,863	$245,550 Land $160,000 Building $85,550
2024	$1,110.00 (+3.35%)
2023	$1,074.00 (+5.6%) Additional exemption filed	$93,279 (+3%)	$256,770 (+9.69%) Land $160,000 Building $96,770
2022	$1,017.00 Homeowner's exemption	$90,563	$234,080 Land $138,380 Building $95,700

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

Flood

FEMA maps place 521 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 521 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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