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6445 SW Gaines Ave, Stuart, FL 34997 Property Records

Martin County property record for 6445 SW Gaines Ave, Stuart, FL 34997

Property Summary

Property TypeLand for Livestock, Animals
Details2 bd · 1 ba · 1,156 sqft · built 1996
Lot Size5 acres (217,800 sqft)
Owner2 Individual Names on Record
Last Sale$550,000 (Jun 2020)
Tax Bill$4,816 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Feb 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN55-38-41-000-046-0005.1-0-0000

Property Details

APN / Parcel Number

Primary APN55-38-41-000-046-0005.1-0-0000
Alternative APNs
  • 55-38-41-000-046-00051-0
  • 103241

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,156 sqft Gross Area
1st Floor Area1,156 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 2001
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area217,800 sqft
Garage Area748 sqft
PorchOpen Concrete/Masonry Porch
Porch Area64 sqft
Deck Area320 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number103241
Street Address6445 SW GAINES AVE
CitySTUART
StateFL
Zip34997-6214
Property CategoryAgriculture or Farming
Property TypeAgriculture / Farming > Land for Livestock, Animals
Local Zoning CodeA1
Legal DescriptionST LUCIE INLET FARMS THE S 337.76 OF TRACT 5 BLK 46
Legal Range41E
Legal Township38S
Legal Section55
Legal SubdivisionST LUCIE INLET FARMS
Legal Tract5
Legal Block46
Legal Lot Number5
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1003
Census Tract1103

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 Record2 Individual Names on Record
Mailing Address6335 SW GAINES AVE, STUART, FL 34997-6212
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 4, 2020Warranty Deed, Transfer · Conventional Mortgage
PRIMARY RESIDENTIAL MORTGAGE INC
Feb 27, 2018Loan Modification, Mortgage · Conventional Mortgage
CARLA P MUSSELMAN

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 4, 2020 · Amount on Record
Deed SaleJun 4, 2020 · Amount on Record
Prior SaleJun 4, 2020 · Amount on Record
Deed Document Number20202817925
Deed Book / Page3133 / 1243
Record UpdatedOct 29, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateJun 4, 2020
Property Address6445 SW GAINES AVE, STUART, FL 34997-6214
Document Number0031331243
Book / Page3133 / 1243
Map ReferenceMB 1 PG 98
Instrument DateJun 1, 2020
Instrument2817925
Transaction TypeTransfer
Record UpdatedApr 11, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,850.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1619 DRUID RD, 1619, MAITLAND, FL 32751-4211

Transferred To (Grantee/Buyer)

NameVerified Name
Address6335 SW GAINES AVE, STUART, FL 34997-6212

Mortgage

Document Number0031331245
DateJun 4, 2020
Instrument3133/1245
Lender
NamePRIMARY RESIDENTIAL MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMARTIN FL
Property Address6445 SW GAINES AVE, STUART, FL 34997-6214
Document Number0029792865
Instrument DateFeb 27, 2018
Transaction TypeMortgage
Record UpdatedMar 23, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Mortgage

Document Number0029792865
DateMar 12, 2018
Book Page002979/002865
Instrument2683126
Lender
NameCARLA P MUSSELMAN
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term24 Months
DueMar 11, 2020
Interest
Rate7%

Tax Assessment & Valuation

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$4,816.00 (+24.06%)$231,762 (+10.8%)$597,120 (+17.73%) Land $450,000 Building $147,120
2024$3,882.00 (+6.62%)
2023$3,641.00 (+6.43%)$209,180 (+24.81%)$507,180 (+1.73%) Land $82,000 Building $425,180
2022$3,421.00$167,593$498,570 Land $375,000 Building $123,570

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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

Wildfire RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.08% 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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