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646 SE Monterey Rd, Stuart, FL 34994 Property Records

Martin County property record for 646 SE Monterey Rd, Stuart, FL 34994

Property Summary

Property TypeRegional Shopping Center, Mall
Details19 ba · 15,000 sqft · built 1978
Lot Size1.71 acres (74,579 sqft)
OwnerCompany Name on Record
Last Sale$194,700 (Sep 2016)
Tax Bill$23,992 (2025)
Deeds & MortgagesMar 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN16-38-41-000-000-0016.0-6-0000

Property Details

APN / Parcel Number

Primary APN16-38-41-000-000-0016.0-6-0000
Alternative APNs
  • 16-38-41-000-000-00160-6
  • 28003

Interior

Full Baths19 Baths
Total Rooms1 Room
Units2 Units
Stories1 Story
Building Area15,000 sqft Gross Area
1st Floor Area15,000 sqft

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1995
Exterior MaterialWood Siding
Construction TypeMasonry / Concrete Block
Fire ResistanceMasonry Walls, Wood Interior
Lot Area74,579 sqft
View / LotCommercial
PorchOpen Frame Porch
Porch Area3,384 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Account Number28003
Street Address646 SE MONTEREY RD
CitySTUART
StateFL
Zip34994-4410
Property CategoryCommercial
Property TypeCommercial > Retail > Regional Shopping Center, Mall
Local Zoning CodeB1
Legal DescriptionE1/2 OF W1/4 OF N1/4 OF GOV LOT 2 (LESS S 183.85 OR 349/1177) BRUNER PLAZA
Legal Range41E
Legal Township38S
Legal Section16
Legal SubdivisionACREAGE
Legal Block3
Legal Lot Number2
JurisdictionMARTIN FL
Township / Civil DivisionSTUART
Census Block Group3
Census Block3010
Census Tract1000

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 RecordCompany Name on Record
Mailing Address5665 SW WOODHAM ST, PALM CITY, FL 34990-5246
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 30, 2016 · Amount on Record
Deed SaleSep 30, 2016 · Amount on Record
Prior SaleSep 30, 2016 · Amount on Record
Deed Document Number20162598645
Deed Book / Page2882 / 1070
Prior Transfer DateNov 26, 2014
Prior Transfer Doc0027550114
Record UpdatedOct 29, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address646 SE MONTEREY RD, STUART, FL 34994-4410
Transaction TypeMortgage
Record UpdatedApr 2, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0032091602
DateMar 25, 2021
Book Page3209/1602
Instrument2877046
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressPORT SALERNO, FL 34992
Agreement
TypeLine of Credit
AmountAmount Recorded

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$23,992.00 (+4.25%)$1,519,560 (+20.6%) Land $596,640 Building $922,920$1,519,560 (+20.6%) Land $596,640 Building $922,920
2024$23,013.00 (+9.34%)
2023$21,048.00 (+5.23%)$1,260,000 (+5.04%) Land $596,640 Building $663,360$1,260,000 (+5.04%) Land $596,640 Building $663,360
2022$20,002.00$1,199,520 Land $596,640 Building $602,880$1,199,520 Land $596,640 Building $602,880

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

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 24 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies24 in force
Nearby Flood Claims2 (1994–1998)
Claims Outside the SFHA2 of 2
Most Recent ClaimAug 1998 · rainfall accumulation

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 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemSTUART, CITY OF - WATER PLANT
serves 16,841 people · EPA ID FL4430259
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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 37 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
AT&T
Fixed Wireless		100 / 20

May also be available: T-Mobile, Verizon.

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