Martin County property record for 645 SW Overlook Dr, Stuart, FL 34994
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,751 sqft · built 1990 |
| Lot Size | 0.489 acres (21,301 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Dec 1989) |
| Tax Bill | $11,177 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-38-41-001-001-0022.0-8-0000 |
| Primary APN | 08-38-41-001-001-0022.0-8-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 3,751 sqft Living Area |
| Gross Area | 4,441 sqft |
| 1st Floor Area | 1,935 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 21,301 sqft (0.489 acres) |
| Lot Dimensions | 100 ft deep x 171 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 730 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 24161 |
|---|---|
| Street Address | 645 SW OVERLOOK DR |
| City | STUART |
| State | FL |
| Zip | 34994-2806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | BESSEYS THIRD ADDN LOT 22 BLK 1 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 8 |
| Legal Subdivision | BESSEYS 3RD ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | STUART |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 701 |
645 SW Overlook Dr is owned and occupied by two individuals who bought it in December 1989.
Source: Martin County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 SW OVERLOOK DR, STUART, FL 34994-2806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 1989 · Amount on File |
| Deed Sale | Dec 20, 1989 · Amount on File |
| Deed Book / Page | 839 / 1923 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 645 SW Overlook Dr was $11,177 with a homeowner's exemption, down 1% from the year before.
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Municipality | Stuart City |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,177.00 (-1.03%) Additional exemption filed | $672,751 | $2,293,180 Land $1,846,800 Building $446,380 |
| 2024 | $11,293.00 (+2.04%) | ||
| 2023 | $11,067.00 (+3.26%) Additional exemption filed | $634,750 (+3%) | $2,175,620 (+22.33%) Land $1,692,900 Building $482,720 |
| 2022 | $10,718.00 Homeowner's exemption | $616,263 | $1,778,450 Land $1,385,100 Building $393,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 SW Overlook Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 42 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 units insured incl. 32 condo units |
| Nearby Flood Claims | 3 (2014–2022) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
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.
The area around 645 SW Overlook Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
5G (outdoors only) and 4G LTE
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