774 NW 10th Ter, Stuart, FL 34994 Property Records

Martin County property record for 774 NW 10th Ter, Stuart, FL 34994

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,514 sqft · built 1980
Owner	Individual Name on File
Last Sale	$131,000 (Nov 2019)
Tax Bill	$1,330 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`32-37-41-015-004-0774.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`32-37-41-015-004-0774.0-4-0000`
Alternative APNs	`32-37-41-015-004-07740-4` `8839`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,514 sqft Living Area
1st Floor Area	1,514 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Mansard
Roof Material	Built-Up Asphalt

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8839
Street Address	774 NW 10TH TER
City	STUART
State	FL
Zip	34994-9563
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GARDEN VILLAS CONDO PHASE I BLDG D UNIT 774
Legal Range	41E
Legal Township	37S
Legal Section	32
Legal Subdivision	GARDEN VILLAS CONDO
Legal Block	2
Legal Lot Number	774
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2014
Census Tract	300

Owner

774 NW 10th Ter, a condominium, is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	774 NW 10TH TER, STUART, FL 34994-9563
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
Nov 1, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA
Dec 3, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2019 · Amount on File
Deed Sale	Nov 1, 2019 · Amount on File
Prior Sale	Aug 18, 2009 · Amount on File
Deed Document Number	20192782949
Deed Book / Page	3092 / 775
Prior Transfer Date	Nov 19, 2018
Prior Transfer Doc	0030291277
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 1, 2019
Property Address	774 NW 10TH TER, STUART, FL 34994-9563
Document Number	0030920775
Book / Page	3092 / 0775
Map Reference	MB 506 PG 2665
Instrument Date	Oct 31, 2019
Instrument	2782949
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PLATINUM TITLE INSURERS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7332 LAGOON RD, 7332, SPRING HILL, FL 34606-3714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 NW 10TH TER, STUART, FL 34994-9563

Mortgage

Document Number	0003092776
Date	Nov 1, 2019
Instrument	3092/776

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Dec 3, 2018
Property Address	774 NW 10TH TER, STUART, FL 34994-9563
Document Number	0030291277
Book / Page	03029 / 1277
Map Reference	MB506 PG2665
Instrument Date	Nov 19, 2018
Instrument	2727786
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 NORTHWEST, STUART, FL 34994

Mortgage

Document Number	0002727787
Date	Dec 3, 2018
Instrument	2727787

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 774 NW 10th Ter was $1,330 with a homeowner's exemption, down 1% 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	$1,330.00 (-0.97%) Homeowner's exemption	$126,555	$199,850 Building $199,850
2024	$1,343.00 (+2.83%)
2023	$1,306.00 (+4.73%) Additional exemption filed	$119,407 (+3%)	$191,520 (+21.05%) Building $191,520
2022	$1,247.00 Homeowner's exemption	$115,930	$158,210 Building $158,210

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

Flood

FEMA maps place 774 NW 10th Ter in Zone X, an area of moderate flood risk, though there have been 30 flood claims nearby since 1983.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 110 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	120 units insured incl. 10 condo units
Nearby Flood Claims	30 (1983–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Hurricane Irene, Oct 1999 · 2 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 774 NW 10th Ter is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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	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 130 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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