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655 SW Pennfield Ter, Stuart, FL 34997 Property Records

Martin County property record for 655 SW Pennfield Ter, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 3,108 sqft · built 2020
Lot Size0.29 acres (12,632 sqft)
Owner2 Individual Names on File
Last Sale$779,600 (Nov 2020)
Tax Bill$9,893 (2025)
Deeds & MortgagesMar 2022 Line of Credit
Nov 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN41-38-41-009-000-0052.0-0-0000

Property Details

APN / Parcel Number

Primary APN41-38-41-009-000-0052.0-0-0000
Alternative APNs
  • 41-38-41-009-000-00520-0
  • 1120893

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area3,108 sqft Living Area
Gross Area3,726 sqft
1st Floor Area2,668 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area12,632 sqft (0.29 acres)
View / LotWater View
Garage TypeAttached
Garage Area618 sqft
PorchOpen Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number1120893
Street Address655 SW PENNFIELD TER
CitySTUART
StateFL
Zip34997-4518
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 52 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 Number52
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group2
Census Block2005
Census Tract1103

Owner

655 SW Pennfield Ter is owned and occupied by two individuals who bought it in November 2020.

Source: Martin County records, as of September 30, 2026

Owner of Record2 Individual Names on File
Mailing Address655 SW PENNFIELD TER, STUART, FL 34997-4518
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

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

DateDocument
Mar 28, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Nov 30, 2020Special Warranty Deed, Transfer · Conventional Mortgage
CASON HOME LOANS
Jun 3, 2020Grant Deed, Transfer
NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 30, 2020 · Amount on File
Deed SaleNov 30, 2020 · Amount on File
Prior SaleJun 3, 2020 · Amount on File
Deed Document Number20202852443
Deed Book / Page3176 / 1728
Record UpdatedOct 29, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address655 SW PENNFIELD TER, STUART, FL 34997-4518
Transaction TypeMortgage
Record UpdatedJul 29, 2022
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address655 SW PENNFIELD TER, STUART, FL 34997-4518

Mortgage

Document Number0033021565
DateMar 28, 2022
Book Page3302/1565
Instrument2950854
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueMar 21, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionMARTIN FL
Recording DateNov 30, 2020
Property Address655 SW PENNFIELD TER, STUART, FL 34997-4518
Document Number0031761728
Book / Page3176 / 1728
Map ReferenceMB 18 PG 6
Instrument DateNov 25, 2020
Instrument2852443
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyNVR SETTLEMENT SERVICES INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,457.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1450 CENTREPARK BLVD STE 340, 1450, WEST PALM BCH, FL 33401-7443

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address655 SW PENNFIELD TER, STUART, FL 34997-4518

Mortgage

Document Number0031761730
DateNov 30, 2020
Instrument3176/1730
Lender
NameCASON HOME LOANS
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2050

June 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMARTIN FL
Recording DateJun 3, 2020
Property Address655 SW PENNFIELD TER, STUART, FL 34997-4518
Document Number0031322753
Book / Page003132 / 002753
Instrument DateMay 29, 2020
Instrument2817593
Transaction TypeTransfer
Record UpdatedAug 4, 2020
Title CompanyNVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

AmountAmount on Record
Tax$5,969.00
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

The 2025 property tax bill for 655 SW Pennfield Ter was $9,893 with a homeowner's exemption, down 0.9% from the year before.

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$9,893.00 (-0.91%) Additional exemption filed$639,467$772,280 Land $285,000 Building $487,280
2024$9,984.00 (+1.74%)
2023$9,813.00 (+3.41%) Additional exemption filed$603,346 (+3%)$762,470 (+6.84%) Land $285,000 Building $477,470
2022$9,489.00 Homeowner's exemption$585,773$713,680 Land $282,500 Building $431,180

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

Flood

FEMA maps place 655 SW Pennfield Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File
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

Wildfire risk around 655 SW Pennfield Ter is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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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