634 NW North River Dr, Stuart, FL 34994 Property Records

Martin County property record for 634 NW North River Dr, Stuart, FL 34994

Property Summary

Property Type	Triplex
Details	5 bd · 4.5 ba · 3,859 sqft · built 1986
Lot Size	0.412 acres (17,947 sqft)
Owner	Company Name on File
Last Sale	$340,000 (Jun 2014)
Tax Bill	$10,190 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-37-41-002-000-0004.0-9-0000`

Property Details

APN / Parcel Number

Primary APN	`32-37-41-002-000-0004.0-9-0000`
Alternative APNs	`32-37-41-002-000-00040-9` `8477`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Units	6 Units
Stories	2 Stories
Building Area	3,859 sqft Living Area
Gross Area	5,548 sqft
1st Floor Area	598 sqft
Basement Area	598 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Triplex
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,947 sqft (0.412 acres)
Garage Type	Attached
Garage Area	1,380 sqft
Porch	Screened Concrete Masonry Porch
Porch Area	1,538 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	8477
Street Address	634 NW NORTH RIVER DR
City	STUART
State	FL
Zip	34994-8921
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R2
Legal Description	BAHAMA TERRACE SEC 2 TR NOT INCLUDED LYING SELY OF LOTS 4 5 & 6
Legal Range	41E
Legal Township	37S
Legal Section	32
Legal Subdivision	BAHAMA TERRACE
Legal Tract	4 5 6
Legal Block	2
Legal Lot Number	4
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2008
Census Tract	300

Owner

634 NW North River Dr, a triplex, is owned by a company that bought it in June 2014.

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

Owner of Record	Company Name on File
Mailing Address	1520 NW FORK RD, STUART, FL 34994-9458
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2014 · Amount on File
Deed Sale	Jun 13, 2014 · Amount on File
Prior Sale	Dec 27, 2001 · Amount on File
Deed Document Number	20142460991
Deed Book / Page	2723 / 2853
Prior Transfer Date	Jan 24, 2008
Prior Transfer Doc	0023210945
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	634 NW NORTH RIVER DR, STUART, FL 34994-8921
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031511994
Date	Aug 19, 2020
Book Page	3151/1994
Instrument	2832910

Lender

Name	MARINE BANK & TRUST CO
Type	Bank
Address	VERO BEACH, FL 32963

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

The 2025 property tax bill for 634 NW North River Dr was $10,190, up 15.6% 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	$10,190.00 (+15.62%)	$518,348	$711,900 Land $239,400 Building $472,500
2024	$8,813.00 (+8.75%)
2023	$8,104.00 (+5.88%)	$428,388 (+1%)	$443,520 (-0.97%) Land $239,400 Building $204,120
2022	$7,654.00	$389,444	$447,880 Land $212,470 Building $235,410

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

Flood

FEMA maps place 634 NW North River Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 110 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	120 units insured incl. 10 condo units
Nearby Flood Claims	30 (1983–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Hurricane Irene, Oct 1999 · 2 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 634 NW North River Dr 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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	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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on NW North River Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures