6538 SE Windsong Ln, Stuart, FL 34997 Property Records

Martin County property record for 6538 SE Windsong Ln, Stuart, FL 34997

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,512 sqft · built 1988
Lot Size	0.031 acres (1,350 sqft)
Owner	Individual Name on File
Last Sale	$74,500 (Jun 1988)
Tax Bill	$774 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-38-41-008-000-0738.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`25-38-41-008-000-0738.0-8-0000`
Alternative APNs	`25-38-41-008-000-07380-8` `31339`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
1st Floor Area	756 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Mansard
Roof Material	Built-Up Asphalt
Lot Area	1,350 sqft (0.031 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	31339
Street Address	6538 SE WINDSONG LN
City	STUART
State	FL
Zip	34997-8214
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUDR
Legal Description	EMERALD LAKES PH VII (REPLAT) LOT 738
Legal Range	41E
Legal Township	38S
Legal Section	25
Legal Subdivision	EMERALD LAKES
Legal Block	2
Legal Lot Number	738
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2003
Census Tract	1410

Owner

6538 SE Windsong Ln, a townhouse, is owned and occupied by an individual who bought it in June 1988.

Source: Martin County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	6538 SE WINDSONG LN, STUART, FL 34997-8214
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 1988 · Amount on File
Deed Sale	Jun 14, 1988 · Amount on File
Prior Sale	Mar 31, 1988 · Amount on File
Deed Book / Page	769 / 672
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6538 SE WINDSONG LN, STUART, FL 34997-8214
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6538 SE WINDSONG LN, STUART, FL 34997-8214

Mortgage

Document Number	0035390221
Date	Dec 18, 2025
Book Page	3539/221
Instrument	3161503

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 25, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 6538 SE Windsong Ln was $774 with a homeowner's exemption, down 0.9% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$774.00 (-0.9%) Additional exemption filed	$91,407	$231,120 Land $95,000 Building $136,120
2024	$781.00 (+3.86%)
2023	$752.00 (+5.92%) Additional exemption filed	$86,244 (+3%)	$229,440 (+15.93%) Land $95,000 Building $134,440
2022	$710.00 Homeowner's exemption	$83,733	$197,920 Land $85,000 Building $112,920

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

Flood

FEMA maps place 6538 SE Windsong Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	4 (1995–2014)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jan 2014 · rainfall accumulation
Claims by Event	Severe Flooding, Oct 1995 · 2 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

Wildfire risk around 6538 SE Windsong Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 System	MARTIN CO UTILITIES serves 104,105 people · EPA ID FL4431891
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, 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20