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6400 SW Gaines Ave, Stuart, FL 34997 Property Records

Martin County property record for 6400 SW Gaines Ave, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details2 bd · 3.5 ba · 2,420 sqft · built 1975
Lot Size1.03 acres (45,302 sqft)
Owner2 Individual Names on File
Last Sale$295,000 (Sep 2018)
Tax Bill$5,158 (2025)
Deeds & MortgagesJan 2021 Mortgage
Jan 2021 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN55-38-41-005-000-0013.0-6-0000

Property Details

APN / Parcel Number

Primary APN55-38-41-005-000-0013.0-6-0000
Alternative APNs
  • 55-38-41-005-000-00130-6
  • 44351

Interior

Bedrooms2 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories1 Story
Building Area2,420 sqft Living Area
Gross Area2,916 sqft
1st Floor Area2,420 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area45,302 sqft
Garage TypeAttached
Garage Area496 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchOpen Concrete/Masonry Porch
Porch Area520 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number44351
Street Address6400 SW GAINES AVE
CitySTUART
StateFL
Zip34997-6215
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal DescriptionLOT 13 RIVER GROVES MINOR PLAT (PB 5 PG 67) (LESS THE SOUTH 91 FT OF THE WEST 57 FT) & (LESS THE NORTH 60 FT OF THE WEST 57 FT) & (LESS ROW)
Legal Range41E
Legal Township38S
Legal Section55
Legal SubdivisionRIVER GROVES MINOR PLAT
Legal Block1
Legal Lot Number13
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1000
Census Tract1103

Owner

6400 SW Gaines Ave is owned and occupied by two individuals who acquired it in November 2018.

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

Owner of Record2 Individual Names on File
Mailing Address6400 SW GAINES AVE, STUART, FL 34997-6215
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jan 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
SWBC MORTGAGE CORP
Jan 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
SWBC MORTGAGE CORP
Dec 6, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 17, 2019Correction Deed, Transfer
ATTORNEY ONLY
Aug 27, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Sep 4, 2018Warranty Deed, Transfer · FHA Mortgage
SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 4, 2018 · Amount on File
Deed SaleSep 4, 2018 · Amount on File
Prior SaleAug 27, 2018 · Amount on File
Deed Document Number20182713892
Deed Book / Page3014 / 170
Last Transfer DateNov 30, 2018
Transfer Doc0030300297
Record UpdatedOct 29, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address6400 SW GAINES AVE, STUART, FL 34997-6215
Transaction TypeMortgage
Record UpdatedFeb 26, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address6000 SW GAINES AVE, STUART, FL 34997

Mortgage

Document Number0031911071
DateJan 21, 2021
Book Page3191/1071
Instrument2863235
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
AddressSAN ANTONIO, TX 78216
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address6400 SW GAINES AVE, STUART, FL 34997-6215
Transaction TypeMortgage
Record UpdatedFeb 18, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address6400 SW GAINES AVE, STUART, FL 34997-6215

Mortgage

Document Number0031900559
DateJan 19, 2021
Book Page3190/559
Instrument2862357
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
AddressSAN ANTONIO, TX 78216
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

December 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMARTIN FL
Recording DateDec 6, 2018
Property Address6400 SW GAINES AVE, STUART, FL 34997-6215
Document Number0030300297
Book / Page003030 / 000297
Instrument DateNov 30, 2018
Instrument2728379
Transaction TypeTransfer
Record UpdatedDec 31, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address481 SW TIMBER TRL STUART FL 349976262, STUART, FL 34997-6262

January 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionMARTIN FL
Recording DateJan 17, 2019
Property Address6400 SW GAINES AVE, STUART, FL 34997-6215
Document Number0030370077
Book / Page003037 / 000077
Instrument DateNov 30, 2018
Instrument2734550
Transaction TypeTransfer
Record UpdatedFeb 7, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address481 SW TIMBER TRL STUART FL 349976262, STUART, FL 34997-6262

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateAug 27, 2018
Property Address6400 SW GAINES AVE, STUART, FL 34997-6215
Document Number0030122270
Book / Page003012 / 002270
Instrument DateAug 24, 2018
Instrument2712776
Transaction TypeTransfer
Record UpdatedSep 11, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$70.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address413 SW FUGE RD STUART FL 349976268, STUART, FL 34997-6268

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateSep 4, 2018
Property Address6400 SW GAINES AVE, STUART, FL 34997-6215
Document Number0030140170
Book / Page03014 / 0170
Map ReferenceMB5 PG67
Instrument DateAug 20, 2018
Instrument2713892
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4945 COUNTY ROAD 400, 4945, MILLERSBURG, OH 44654-9734

Transferred To (Grantee/Buyer)

NameVerified Name
Address6400 SW GAINES AVE, STUART, FL 34997-6215

Mortgage

Document Number0002713893
DateSep 4, 2018
Instrument2713893
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6400 SW Gaines Ave was $5,158 with a homeowner's exemption, up 13.2% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,158.00 (+13.19%) Homeowner's exemption$299,816$462,930 Land $250,000 Building $212,930
2024$4,557.00 (+2.17%)
2023$4,460.00 (+3.7%) Additional exemption filed$282,881 (+3%)$432,450 (+17.79%) Land $240,000 Building $192,450
2022$4,301.00 Homeowner's exemption$274,642$367,150 Land $190,400 Building $176,750

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

Flood

FEMA maps place 6400 SW Gaines Ave 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 186 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies218 units insured
incl. 32 condo units
Nearby Flood Claims170 (1979–2025)
Claims Outside the SFHA25 of 170
Most Recent ClaimOct 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

Wildfire risk around 6400 SW Gaines Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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

ProviderMax 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

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