6451 SE Phillips Bend Ave, Stuart, FL 34997 Property Records

Martin County property record for 6451 SE Phillips Bend Ave, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,322 sqft · built 1985
Lot Size	0.208 acres (9,104 sqft)
Owner	Individual Name on File
Last Sale	$352,500 (Jan 2022)
Tax Bill	$5,722 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32212`

Property Details

APN / Parcel Number

Primary APN	`32212`
Alternative APN	`36-38-41-004-014-00450-0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,322 sqft Living Area
1st Floor Area	880 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,104 sqft (0.208 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	32212
Street Address	6451 SE PHILLIPS BEND AVE
City	STUART
State	FL
Zip	34997-8155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VISTA SALERNO REVISED LOT 45 BLK N OR 346/2468
Legal Range	41E
Legal Township	38S
Legal Section	36
Legal Subdivision	VISTA SALERNO REVISED
Legal Block	N
Legal Lot Number	45
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2003
Census Tract	1108

Owner

Source: Martin County records · APN 32212

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	Individual Name on File
Mailing Address	6451 SE PHILLIPS BEND AVE, STUART, FL 34997-8155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 25, 2022 · Amount on Record
Deed Sale	Jan 25, 2022 · Amount on Record
Prior Sale	Jul 17, 2013 · Amount on Record
Deed Document Number	0003288440
Deed Book / Page	3288 / 440
Record Updated	Jun 08, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 25, 2022
Property Address	6451 SE PHILLIPS BEND AVE, STUART, FL 34997-8155
Document Number	0032880440
Book / Page	3288 / 440
Map Reference	MB 3 PG 1
Instrument Date	Jan 19, 2022
Instrument	2938652
Transaction Type	Transfer
Record Updated	Feb 09, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,467.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71 FOX RUN CIR S, 71, FLINTSTONE, GA 30725-2188

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6451 SE PHILLIPS BEND AVE, STUART, FL 34997-8155

Mortgage

Document Number	0003288442
Date	Jan 25, 2022
Instrument	3288/442

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$336,780 (+5%) Land $155,000 Building $181,780	$336,780 (+5%) Land $155,000 Building $181,780
2024	$5,722.00 (-0.81%)
2023	$5,769.00 (+298.96%)	$320,750 (+209.63%) Land $155,000 Building $165,750	$320,750 (+41.67%) Land $155,000 Building $165,750
2022	$1,446.00 Homeowner's exemption	$103,590	$226,410 Land $131,250 Building $95,160

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 247 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

Based on FCC filings for 295 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MARTIN CO UTILITIES serves 104,105 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.