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

Martin County property record for 790 NW 10th Ter, Stuart, FL 34994

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,514 sqft · built 1981
Owner	2 Individual Names on File
Last Sale	$160,000 (Aug 2020)
Tax Bill	$1,525 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`32-37-41-016-006-0790.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`32-37-41-016-006-0790.0-4-0000`
Alternative APNs	`32-37-41-016-006-07900-4` `8845`

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 1981
Effective Year Built	Effective 1981
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	8845
Street Address	790 NW 10TH TER
City	STUART
State	FL
Zip	34994-9567
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	GARDEN VILLAS CONDO - PHASE II BLDG F UNIT 790
Legal Range	41E
Legal Township	37S
Legal Section	32
Legal Subdivision	GARDEN VILLAS CONDO
Legal Block	2
Legal Lot Number	790
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2014
Census Tract	300

Owner

790 NW 10th Ter, a condominium, is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	790 NW 10TH TER, STUART, FL 34994-9567
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 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THRIVENT FCU
Aug 6, 2020	Warranty Deed, Transfer · Conventional Mortgage COMPASS MTG LNDG INC
Aug 1, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on File
Deed Sale	Aug 6, 2020 · Amount on File
Prior Sale	Aug 1, 2018 · Amount on File
Deed Document Number	20202830189
Deed Book / Page	3148 / 1603
Prior Transfer Date	May 19, 2009
Prior Transfer Doc	0023911238
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	790 NW 10TH TER, STUART, FL 34994-9567
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	790 NW 10TH TER, STUART, FL 34994-9567

Mortgage

Document Number	0033470592
Date	Nov 22, 2022
Book Page	3347/592
Instrument	2990576

Lender

Name	THRIVENT FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55415

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 21, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.74%
Type Change Date	Jan 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.99%
Max Rate At Change	15.7%
Index	5-Year TN
Max Rate	15.7%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 6, 2020
Property Address	790 NW 10TH TER, STUART, FL 34994-9567
Document Number	0031481603
Book / Page	003148 / 001603
Instrument Date	Aug 6, 2020
Instrument	2830189
Transaction Type	Transfer
Record Updated	Sep 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	790 NW 10TH TER STUART FL 349949567, STUART, FL 34994-9567

Mortgage

Document Number	31481605
Date	Aug 6, 2020
Book Page	003148/001605
Instrument	2830190

Lender

Name	COMPASS MTG LNDG INC
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 1, 2018
Property Address	790 NW 10TH TER, STUART, FL 34994-9567
Document Number	0030072081
Book / Page	003007 / 002081
Instrument Date	Jul 30, 2018
Instrument	2708329
Transaction Type	Transfer
Record Updated	Aug 17, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	714 S ROBERTS RD BRYN MAWR PA 190101111, BRYN MAWR, PA 19010-1111

Mortgage

Document Number	30072084
Date	Aug 1, 2018
Book Page	003007/002084
Instrument	2708330

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 790 NW 10th Ter was $1,525 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	$1,525.00 (-1.04%) Homeowner's exemption	$138,942	$241,820 Building $241,820
2024	$1,541.00 (+2.66%)
2023	$1,501.00 (+4.53%) Additional exemption filed	$131,095 (+3%)	$231,740 (+21.05%) Building $231,740
2022	$1,436.00 Homeowner's exemption	$127,277	$191,440 Building $191,440

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

Flood

FEMA maps place 790 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 790 NW 10th Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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