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7230 SW Harbor Cove Dr, Stuart, FL 34997 Property Records

Martin County property record for 7230 SW Harbor Cove Dr, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,818 sqft · built 2005
Lot Size0.285 acres (12,415 sqft)
Owner2 Individual Names on Record
Last Sale$650,000 (Jan 2018)
Tax Bill$9,651 (2025)
Deeds & MortgagesSep 2020 Mortgage
Jan 2018 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN55-38-41-320-000-0003.0-0-0000

Property Details

APN / Parcel Number

Primary APN55-38-41-320-000-0003.0-0-0000
Alternative APNs
  • 55-38-41-320-000-00030-0
  • 177244

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,818 sqft Living Area
Gross Area3,460 sqft
1st Floor Area2,818 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area12,415 sqft (0.285 acres)
View / LotCanal Front
Garage TypeAttached
Garage Area642 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchOpen Concrete/Masonry Porch
Porch Area384 sqft
Boat AccessBoat Access
Boat LiftBoat Lift

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number177244
Street Address7230 SW HARBOR COVE DR
CitySTUART
StateFL
Zip34997-7400
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM3
Legal DescriptionLOT 3 LOST RIVER COVE PH 1 OF LOST RIVER (PB 15 PG 80)
Legal Range41E
Legal Township38S
Legal Section55
Legal SubdivisionLOST RIVER COVE
Legal Block1
Legal Lot Number3
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1008
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 Address7230 SW HARBOR COVE DR, STUART, FL 34997-7400
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2020Deed of Trust, Mortgage · VA Mortgage
TIDEWATER HOME FUNDING LLC
Jan 25, 2018Warranty Deed, Transfer · VA Mortgage
TIDEWATER HOME FUNDING LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 25, 2018 · Amount on Record
Deed SaleJan 25, 2018 · Amount on Record
Prior SaleApr 8, 2013 · Amount on Record
Deed Document Number20182675437
Deed Book / Page2971 / 2196
Last Transfer DateMar 12, 2025
Transfer Doc0034890743
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address7230 SW HARBOR COVE DR, STUART, FL 34997-7400
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address7230 SW HARBOR COVE DR, STUART, FL 34997-7400

Mortgage

Document Number0031571554
DateSep 11, 2020
Book Page3157/1554
Instrument2837292
Lender
NameTIDEWATER HOME FUNDING LLC
TypeMortgage Company
AddressCHESAPEAKE, VA 23320
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateJan 25, 2018
Property Address7230 SW HARBOR COVE DR, STUART, FL 34997-7400
Document Number0029712196
Book / Page02971 / 2196
Map ReferenceMB15 PG80
Instrument DateJan 17, 2018
Instrument2675437
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanySUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,550.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2197 FRINGE TREE TRL, 2197, THE VILLAGES, FL 32162-3485

Transferred To (Grantee/Buyer)

NameVerified Name
Address7230 SW HARBOR COVE DR, STUART, FL 34997-7400

Mortgage

Document Number0002675438
DateJan 25, 2018
Instrument2675438
Lender
NameTIDEWATER HOME FUNDING LLC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2048

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$9,651.00 (-0.89%) Additional exemption filed$625,115 (+5.99%)$788,820 (-1.49%) Land $350,000 Building $438,820
2024$9,738.00 (+1.76%)
2023$9,570.00 (+3.46%) Additional exemption filed$589,804 (+3%)$800,740 (+10.5%) Land $350,000 Building $450,740
2022$9,250.00 Homeowner's exemption$572,626$724,620 Land $325,000 Building $399,620

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
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 186 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies218 units insured
incl. 32 condo units
Nearby Flood Claims170 (1979–2025)
Claims Outside the SFHA25 of 170
Most Recent ClaimOct 2025 · other causes
Claims by Event
  • Hurricane Frances, Sep 2004 · 75 claims
  • Hurricane Irene, Oct 1999 · 18 claims
  • Severe Flooding, Oct 1995 · 47 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 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 245 locations within half a mile, as of December 31, 2025

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

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