645 SW Rustic Cir, Stuart, FL 34997 Property Records

Martin County property record for 645 SW Rustic Cir, Stuart, FL 34997 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1981
Square Footage	912 sqft Living Area
Lot Size	17,163 sqft (0.394 acres)
Occupancy	Owner Occupied
Last Sale	$300,000 (2005)
Tax Bill	$4,168.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`55-38-41-011-000-00270-8`
Alternative APN	`44715`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Building Area	912 sqft Living Area
1st Floor	808 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Elevator	Elevator

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1981
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction Type	Frame Construction
Foundation Type	Pier/Post & Beam Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	17,163 sqft (0.394 acres)

Exterior Amenities

Deck Area	624 sqft Deck
Patio Area	98 sqft Patio
Porch	1 Porch
Porch Area	48 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating

Location & Zoning

Account Number	44715
Street Address	645 SW RUSTIC CIR
City	STUART
State	FL
Zip	34997-6233
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RUSTIC ACRES UNREC LOT 27
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	RUSTIC ACRES UNRECORDED
Legal Lot Number	27
Jurisdiction	MARTIN FL
Minor Civil Division	PORT SALERNO-HOBE SOUND
Census Blockgroup	1
Census Block	1000
Census Tract	1103

Owner

Source: Martin County records · APN 55-38-41-011-000-00270-8

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	645 SW RUSTIC CIR, STUART, FL 34997-6233
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 26, 2005 · Amount on Record
Deed Sale	Jul 26, 2005 · Amount on Record
Prior Sale	Jan 29, 2004 · Amount on Record
Deed Doc Number	1858193
Deed Book / Page	02040 / 1316
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$275,492 (+55.06%)	$501,100 (+33.63%) Land $297,000 Building $204,100
2024	$4,168.00 (+54.26%)
2023	$2,702.00 (+4.04%) Additional exemption filed	$177,663 (+3%)	$374,980 (+9.61%) Land $270,000 Building $104,980
2022	$2,597.00 Homeowner's exemption	$172,489	$342,090 Land $245,160 Building $96,930

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 16% of Florida
Wildfire Likelihood	About 1 in 1,563 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.