7851 SE River Ln, Stuart, FL 34997 Property Records

Martin County property record for 7851 SE River Ln, Stuart, FL 34997 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,184 sqft · built 1980
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$312,500 (Apr 2021)
Tax Bill	$5,287 (2024)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-39-41-003-000-0006.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`04-39-41-003-000-0006.0-8-0000`
Alternative APNs	`04-39-41-003-000-00060-8` `60604`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
Gross Area	1,604 sqft
1st Floor Area	1,184 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Area	392 sqft
Porch	Open Porch
Porch Area	86 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	7851 SE RIVER LN
City	STUART
State	FL
Zip	34997-7352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH RIVER COLONY UNREC LOT 6 OR 332/1267
Legal Range	41E
Legal Township	39S
Legal Section	4
Legal Subdivision	SOUTH RIVER COLONY
Legal Block	2
Legal Lot Number	6
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2022
Census Tract	1108

Owner

Source: Martin County records · APN 04-39-41-003-000-0006.0-8-0000

Assessment roll updated August 27, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	7851 SE RIVER LN, STUART, FL 34997-7352
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2021 · Amount on Record
Deed Sale	Apr 01, 2021 · Amount on Record
Prior Sale	May 13, 2015 · Amount on Record
Deed Document Number	20212878752
Deed Book / Page	3211 / 2174
Prior Transfer Date	Apr 24, 2015
Prior Transfer Doc	0027832192
Record Updated	Jun 08, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 01, 2021
Property Address	7851 SE RIVER LN, STUART, FL 34997-7352
Document Number	0032112174
Book / Page	3211 / 2174
Map Reference	MB 337 PG 2114
Instrument Date	Mar 24, 2021
Instrument	2878752
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	LIBERTY TITLE COMPANY/AMERICA INC, LIBERTY TITLE CO AMERICA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,187.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4092 SE RIVERBOAT DR, 4092, STUART, FL 34997

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7851 SE RIVER LN, STUART, FL 34997-7352

Mortgage

Document Number	0032112175
Date	Apr 01, 2021
Instrument	3211/2175

Lender

Name	ACOPIA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$346,002 (+5.99%)	$380,760 (+10.31%) Land $200,000 Building $180,760
2024	$5,287.00 (+2.09%)
2023	$5,179.00 (+3.66%) Additional exemption filed	$326,458 (+3%)	$345,170 (+7.15%) Land $185,000 Building $160,170
2022	$4,996.00 Homeowner's exemption	$316,950	$322,130 Land $188,700 Building $133,430

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850011082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 247 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	247 in force 224 of 247 on primary residences
Nearby Flood Claims	3 (1995–2004)
Most Recent Claim	Sep 2004, rainfall accumulation, Hurricane Frances

Wildfire

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 310 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.