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654 SW Pennfield Ter, Stuart, FL 34997 Property Records

Martin County property record for 654 SW Pennfield Ter, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,800 sqft · built 2021
Lot Size0.33 acres (14,375 sqft)
Owner2 Individual Names on Record
Last Sale$1,165,000 (Mar 2025)
Tax Bill$10,183 (2025)
Deeds & MortgagesMar 2021 Sale & Mortgage
Jul 2020 Sale
Flood ZoneZone X (minimal risk)
APN41-38-41-009-000-0075.0-0-0000

Property Details

APN / Parcel Number

Primary APN41-38-41-009-000-0075.0-0-0000
Alternative APNs
  • 41-38-41-009-000-00750-0
  • 1120916

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,800 sqft Living Area
Gross Area3,531 sqft
1st Floor Area2,800 sqft
ElevatorElevator

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area14,375 sqft (0.33 acres)
Garage TypeAttached
Garage Area731 sqft
Pool TypeIn-Ground Pool
PorchOpen Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number1120916
Street Address654 SW PENNFIELD TER
CitySTUART
StateFL
Zip34997-4518
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 75 BANYAN BAY PUD PHASE 2A & 2B ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK 18 PAGE 6 PUBLIC RECORDS MARTIN COUNTY FLORIDA
Legal Range41E
Legal Township38S
Legal Section41
Legal SubdivisionBANYAN BAY PUD PHASE 2A & 2B
Legal Block2
Legal Lot Number75
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group2
Census Block2005
Census Tract1103

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address1832 TROUT POND CT, HELLERTOWN, PA 18055-2738
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2021Special Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA
Jul 1, 2020Grant Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 24, 2025 · Amount on Record
Deed SaleMar 24, 2025 · Amount on Record
Prior SaleMar 11, 2021 · Amount on Record
Deed Document Number20253119726
Deed Book / Page3489 / 2430
Record UpdatedOct 29, 2026

March 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionMARTIN FL
Recording DateMar 11, 2021
Property Address654 SW PENNFIELD TER, STUART, FL 34997-4518
Document Number0032051153
Book / Page3205 / 1153
Map ReferenceMB 18 PG 6
Instrument DateMar 9, 2021
Instrument2873876
Transaction TypeTransfer
Record UpdatedMar 9, 2023
Title CompanyNVR SETTLEMENT SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,330.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1450 CENTREPARK BLVD STE 340, 340, WEST PALM BEACH, FL 33401-7443

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address654 SW PENNFIELD TER, STUART, FL 34997-4518

Mortgage

Document Number0032051155
DateMar 11, 2021
Instrument3205/1155
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueApr 1, 2036

July 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMARTIN FL
Recording DateJul 1, 2020
Property Address654 SW PENNFIELD TER, STUART, FL 34997-4518
Document Number0031391681
Book / Page003139 / 001681
Instrument DateJun 24, 2020
Instrument2823061
Transaction TypeTransfer
Record UpdatedAug 13, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$12,140.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1450 CENTREPARK BLVD #340 WEST PALM BEACH FL 334017443, 340, WEST PALM BEACH, FL 33401-7443
InvestorPossibly a Property Investor

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$10,183.00 (-0.91%)$657,851 (+5.99%)$722,970 (+3.44%) Land $250,000 Building $472,970
2024$10,277.00 (+1.72%)
2023$10,103.00 (+3.41%) Additional exemption filed$620,691 (+3%)$698,920 (+5.25%) Land $235,000 Building $463,920
2022$9,770.00 Homeowner's exemption$602,613$664,070 Land $242,950 Building $421,120

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 61 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies61 in force

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 RiskModerate
above 56% of the US · lower than 72% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 43 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250

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