521 SW Timber Trl, Stuart, FL 34997 Property Records

Martin County property record for 521 SW Timber Trl, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,063 sqft · built 2007
Lot Size	0.311 acres (13,547 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Mar 2016)
Tax Bill	$5,660 (2025)
Deeds & Mortgages	Sep 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-013-000-0015.0-1-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-013-000-0015.0-1-0000`
Alternative APNs	`55-38-41-013-000-00150-1` `44830`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,063 sqft Living Area
Gross Area	3,672 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,547 sqft (0.311 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft
Deck Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	521 SW TIMBER TRL
City	STUART
State	FL
Zip	34997-6266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	TIMBER TRAIL UNREC LOT 15
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	TIMBER TRAIL UNRECORDED
Legal Block	1
Legal Lot Number	15
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1000
Census Tract	1103

Owner

Source: Martin County records, as of August 12, 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 Record
Mailing Address	521 SW TIMBER TRL, STUART, FL 34997-6266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2016 · Amount on Record
Deed Sale	Mar 3, 2016 · Amount on Record
Prior Sale	Oct 26, 2005 · Amount on Record
Deed Document Number	20162561275
Deed Book / Page	2838 / 390
Prior Transfer Date	Feb 27, 2013
Prior Transfer Doc	0026350860
Record Updated	Sep 20, 2026

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARTIN FL
Property Address	521 SW TIMBER TRL, STUART, FL 34997-6266
Document Number	0031790578
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 SW TIMBER TRL STUART FL 349976266, STUART, FL 34997-6266

Mortgage

Document Number	0031790578
Date	Dec 8, 2020
Book Page	003179/000578
Instrument	2854474

Lender

Name	UMC MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 7, 2060

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

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	$5,660.00 (-0.7%) Homeowner's exemption	$371,351 (+5.99%)	$782,860 (+4.85%) Land $250,000 Building $532,860
2024	$5,700.00 (+2.02%)
2023	$5,587.00 (+3.6%) Additional exemption filed	$350,375 (+3%)	$746,670 (+2.92%) Land $250,000 Building $496,670
2022	$5,393.00 Homeowner's exemption	$340,170	$725,500 Land $283,750 Building $441,750

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 186 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	218 units insured incl. 32 condo units
Nearby Flood Claims	170 (1979–2025)
Claims Outside the SFHA	25 of 170
Most Recent Claim	Oct 2025 · other causes
Claims by Event	Hurricane Frances, Sep 2004 · 75 claims Hurricane Irene, Oct 1999 · 18 claims Severe Flooding, Oct 1995 · 47 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 194 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20