6175 SE Black Oak Ln, Stuart, FL 34997 Property Records

Martin County property record for 6175 SE Black Oak Ln, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,978 sqft · built 1992
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,500 (Sep 2016)
Tax Bill	$5,348 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`55-38-41-461-000-0020.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-461-000-0020.0-8-0000`
Alternative APNs	`55-38-41-461-000-00200-8` `45207`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	2,440 sqft
1st Floor Area	1,978 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	300 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	217 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45207
Street Address	6175 SE BLACK OAK LN
City	STUART
State	FL
Zip	34997-6379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	SOUTHWOOD LOT 20
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	SOUTHWOOD
Legal Block	1
Legal Lot Number	20
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1002
Census Tract	1106

Owner

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 Individual Names on Record
Mailing Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST FCU
Jun 3, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST FCU
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jun 17, 2021	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Aug 3, 2019	Deed of Trust, Mortgage · Line of Credit FLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2016 · Amount on Record
Deed Sale	Sep 21, 2016 · Amount on Record
Prior Sale	Mar 23, 2011 · Amount on Record
Deed Document Number	20162596916
Deed Book / Page	2880 / 928
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379

Mortgage

Document Number	0033852945
Date	Jul 14, 2023
Book Page	3385/2945
Instrument	3026207

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 22, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379

Mortgage

Document Number	0033170079
Date	Jun 3, 2022
Book Page	3317/79
Instrument	2963648

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	May 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032340021
Date	Jun 17, 2021
Book Page	3234/21
Instrument	2896494

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6175 SE BLACK OAK LNAE, STUART, FL 34997-6379

Mortgage

Document Number	0032340040
Date	Jun 17, 2021
Book Page	3234/40
Instrument	2896495

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6175 SE BLACK OAK LN, STUART, FL 34997-6379
Document Number	0030752662
Instrument Date	Aug 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6175 SE BLACK OAK LN STUART FL 349976379, STUART, FL 34997-6379

Mortgage

Document Number	0030752662
Date	Aug 8, 2019
Book Page	003075/002662
Instrument	2769138

Lender

Name	FLORIDA CU
Type	Credit Union
Address	GAINESVILLE, FL 32627

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 7, 2039

Interest

Rate Type	Adjustable Rate

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	$5,348.00 (-0.67%) Additional exemption filed	$351,611 (+5.99%)	$573,640 (+7.57%) Land $230,000 Building $343,640
2024	$5,384.00 (+2.05%)
2023	$5,276.00 (+3.61%) Additional exemption filed	$331,750 (+3%)	$533,290 (+28.87%) Land $225,000 Building $308,290
2022	$5,092.00 Homeowner's exemption	$322,088	$413,820 Land $202,000 Building $211,820

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 74 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	74 in force

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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% 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 122 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

May also be available: AT&T, T-Mobile.

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