709 SE Hibiscus Ave, Stuart, FL 34996 Property Records

Martin County property record for 709 SE Hibiscus Ave, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,002 sqft · built 1976
Lot Size	0.237 acres (10,324 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Jan 2021)
Tax Bill	$2,989 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-38-41-025-002-0007.1-9-0000`

Property Details

APN / Parcel Number

Primary APN	`03-38-41-025-002-0007.1-9-0000`
Alternative APNs	`03-38-41-025-002-00071-9` `338410250020007190000` `20929`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,002 sqft Living Area
1st Floor Area	868 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Mansard
Roof Material	Built-Up Asphalt
Lot Area	10,324 sqft (0.237 acres)
View / Lot	Lake Front
Porch	Open Porch
Porch Area	266 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	20929
Street Address	709 SE HIBISCUS AVE
City	STUART
State	FL
Zip	34996-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE CHARLOTTE ST LUCIE EST LOT 7 (LESS NELY 19.7) ALL LOT 8 & NELY 17.5 OF LOT 9 BLK 2
Legal Range	41E
Legal Township	38S
Legal Section	3
Legal Subdivision	LAKE CHARLOTTE
Legal Block	2
Legal Lot Number	7,8,9
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1026
Census Tract	902

Owner

709 SE Hibiscus Ave is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604
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

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Apr 8, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jan 15, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Sep 17, 2018	Deed of Trust, Mortgage SAMMY & KIM ROYAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Feb 1, 1984 · Amount on File
Deed Document Number	20212862202
Deed Book / Page	3189 / 2959
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604

Mortgage

Document Number	0033751280
Date	May 18, 2023
Book Page	3375/1280
Instrument	3016945

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604

Mortgage

Document Number	0033051644
Date	Apr 8, 2022
Book Page	3305/1644
Instrument	2953413

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 15, 2021
Property Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604
Document Number	0031892959
Book / Page	3189 / 2959
Map Reference	MB 1 PG 36
Instrument Date	Jan 14, 2021
Instrument	2862202
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PATCH REEF TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3240 SE WEST SNOW RD, 3240, PORT ST LUCIE, FL 34984-6521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604

Mortgage

Document Number	0031892961
Date	Jan 15, 2021
Instrument	3189/2961

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	709 SE HIBISCUS AVE, STUART, FL 34996-3604
Document Number	0030162385
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 15, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 SE HIBISCUS AVE STUART FL 349963604, STUART, FL 34996-3604

Mortgage

Document Number	0030162385
Date	Sep 21, 2018
Book Page	003016/002385
Instrument	2716356

Lender

Name	SAMMY & KIM ROYAL
Address	PO BOX 32, HORSESHOE BEACH, FL 32648-0032

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 709 SE Hibiscus Ave was $2,989 with a homeowner's exemption, down 0.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,989.00 (-0.5%) Homeowner's exemption	$205,743	$326,250 Land $145,000 Building $181,250
2024	$3,004.00 (+2.6%)
2023	$2,928.00 (+3.87%) Additional exemption filed	$194,122 (+3%)	$309,250 (+9.8%) Land $145,000 Building $164,250
2022	$2,819.00 Homeowner's exemption	$188,468	$281,660 Land $153,700 Building $127,960

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

Flood

FEMA maps place 709 SE Hibiscus Ave in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1999.

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 42 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	14 (1999–2018)
Claims Outside the SFHA	10 of 14
Most Recent Claim	May 2018 · other causes
Claims by Event	Hurricane Wilma, Oct 2005 · 2 claims Hurricane Frances, Sep 2004 · 8 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 709 SE Hibiscus Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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 377 locations within half a mile, as of December 31, 2025

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

May also be available: Blue Stream, T-Mobile.

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