644 SW Pennfield Ter, Stuart, FL 34997 Property Records

Martin County property record for 644 SW Pennfield Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,957 sqft · built 2020
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Last Sale	$594,600 (Dec 2020)
Tax Bill	$10,154 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`41-38-41-009-000-0076.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`41-38-41-009-000-0076.0-0-0000`
Alternative APNs	`41-38-41-009-000-00760-0` `1120917`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,957 sqft Living Area
Gross Area	3,690 sqft
1st Floor Area	1,338 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	733 sqft
Porch	Open Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1120917
Street Address	644 SW PENNFIELD TER
City	STUART
State	FL
Zip	34997-4518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 76 BANYAN BAY PUD PHASE 2A & 2B ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 18 PAGE 6 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range	41E
Legal Township	38S
Legal Section	41
Legal Subdivision	BANYAN BAY PUD PHASE 2A & 2B
Legal Block	2
Legal Lot Number	76
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2005
Census Tract	1103

Owner

644 SW Pennfield Ter is owned by a company that bought it in December 2020.

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

Owner of Record	Company Name on File
Owner Type	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

Date	Document
Dec 15, 2020	Special Warranty Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC
May 8, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2020 · Amount on File
Deed Sale	Dec 15, 2020 · Amount on File
Prior Sale	May 8, 2020 · Amount on File
Deed Document Number	20202856029
Deed Book / Page	3181 / 2307
Record Updated	Oct 29, 2026

December 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 15, 2020
Property Address	644 SW PENNFIELD TER, STUART, FL 34997-4518
Document Number	0031812307
Book / Page	3181 / 2307
Map Reference	MB 18 PG 6
Instrument Date	Dec 15, 2020
Instrument	2856029
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,162.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 CENTURY BLVD340, 150, WEST PALM BEACH, FL 33417

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	644 SW PENNFIELD TER, STUART, FL 34997-4518

Mortgage

Document Number	0031812309
Date	Dec 15, 2020
Instrument	3181/2309

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARTIN FL
Recording Date	May 8, 2020
Property Address	644 SW PENNFIELD TER, STUART, FL 34997-4518
Document Number	0031280720
Book / Page	003128 / 000720
Instrument Date	May 6, 2020
Instrument	2813610
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$12,617.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1450 CENTREPARK BLVD #340 WEST PALM BEACH FL 334017443, 340, WEST PALM BEACH, FL 33401-7443
Investor	Possibly a Property Investor

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		$655,308	$683,520 Land $250,000 Building $433,520
2024	$10,154.00 (-2.38%)
2023	$10,402.00 (+3.43%) Additional exemption filed	$643,585 (+3%)	$659,320 (+5.52%) Land $235,000 Building $424,320
2022	$10,057.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$624,840 Land $242,950 Building $381,890	$624,840 Land $242,950 Building $381,890

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

Flood

FEMA maps place 644 SW Pennfield Ter 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 61 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	61 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

Wildfire risk around 644 SW Pennfield Ter is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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	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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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