6945 SE Bay Hill Dr, Stuart, FL 34997 Property Records

Martin County property record for 6945 SE Bay Hill Dr, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,388 sqft · built 2004
Lot Size	0.216 acres (9,409 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Nov 2025)
Tax Bill	$10,038 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-38-41-003-000-0242.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`35-38-41-003-000-0242.0-0-0000`
Alternative APNs	`35-38-41-003-000-02420-0` `157109`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,388 sqft Living Area
Gross Area	3,029 sqft
1st Floor Area	2,388 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	9,409 sqft (0.216 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	641 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	157109
Street Address	6945 SE BAY HILL DR
City	STUART
State	FL
Zip	34997-4700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	LOT 242 PLAT 8 SUMMERFIELD GOLF CLUB PH II-B PUD (PB 15 PG 27)
Legal Range	41E
Legal Township	38S
Legal Section	35
Legal Subdivision	SUMMERFIELD
Legal Block	2
Legal Lot Number	242
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2003
Census Tract	1108

Owner

6945 SE Bay Hill Dr is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	6945 SE BAY HILL DR, STUART, FL 34997-4700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Nov 26, 2025	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS CO
Mar 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Prior Sale	Jun 30, 2022 · Amount on File
Deed Document Number	20253158243
Deed Book / Page	3535 / 54
Prior Transfer Date	Mar 4, 2020
Prior Transfer Doc	0031161588
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Jul 23, 2026
Property Address	6945 SE BAY HILL DR, STUART, FL 34997-4700
Document Number	0003196998
Book / Page	3580 / 1926
Instrument Date	Jul 14, 2026
Instrument	20263196998
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6945 SE BAY HILL DR, STUART, FL 34997-4700

Mortgage

Document Number	0003196998,
Date	Jul 23, 2026
Book Page	3580/1926
Instrument	20263196998

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.47%
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 26, 2025
Property Address	6945 SE BAY HILL DR, STUART, FL 34997-4700
Document Number	0035350054
Book / Page	3535 / 54
Map Reference	MB 15 PG 27
Instrument Date	Nov 21, 2025
Instrument	3158243
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 STIRLING CIR UNIT 213, 213, DUNEDIN, FL 34698-7055

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6945 SE BAY HILL DR, STUART, FL 34997-4700

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 10, 2020
Property Address	6945 SE BAY HILL DR, STUART, FL 34997-4700
Document Number	0031161588
Book / Page	003116 / 001588
Instrument Date	Mar 4, 2020
Instrument	2804375
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6945 SE BAY HILL DR STUART FL 349974700, STUART, FL 34997-4700

Tax Assessment & Valuation

The 2025 property tax bill for 6945 SE Bay Hill Dr was $10,038, down 6.7% 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	$10,038.00 (-6.7%) Homeowner's exemption	$649,670 (-2.99%) Land $265,000 Building $384,670	$649,670 (-2.99%) Land $265,000 Building $384,670
2024	$10,759.00 (+0.15%) Additional exemption filed	$669,660 (+1.44%) Land $265,000 Building $404,660	$669,660 (+1.44%) Land $265,000 Building $404,660
2023	$10,743.00 (+129.21%) Additional exemption filed	$660,160 (+120.91%) Land $265,000 Building $395,160	$660,160 (+25.49%) Land $265,000 Building $395,160
2022	$4,687.00 Homeowner's exemption	$298,838	$526,070 Land $218,000 Building $308,070

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.

Flood

FEMA maps place 6945 SE Bay Hill Dr in Zone X, an area of minimal flood risk, though there have been 3 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 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

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 6945 SE Bay Hill Dr is high, ranking above 79% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 69% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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