81 SE River Lights Ct, Stuart, FL 34996 Property Records

Martin County property record for 81 SE River Lights Ct, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,243 sqft · built 2006
Lot Size	0.142 acres (6,186 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Mar 2021)
Tax Bill	$18,302 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-38-41-044-000-0016.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`03-38-41-044-000-0016.0-0-0000`
Alternative APNs	`03-38-41-044-000-00160-0` `154916`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,243 sqft Living Area
Gross Area	3,987 sqft
1st Floor Area	1,918 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,186 sqft (0.142 acres)
View / Lot	Zero Lot Line
Garage Type	Attached
Garage Area	744 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	316 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	154916
Street Address	81 SE RIVER LIGHTS CT
City	STUART
State	FL
Zip	34996-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 16 SNUG HARBOR WEST (PB 15 PG 19)
Legal Range	41E
Legal Township	38S
Legal Section	3
Legal Subdivision	SNUG HARBOR
Legal Block	2
Legal Lot Number	16
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2001
Census Tract	902

Owner

Source: Martin County records, as of September 29, 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 Record
Mailing Address	81 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Prior Sale	Jul 2, 2014 · Amount on Record
Deed Document Number	20212875963
Deed Book / Page	3208 / 402
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 22, 2021
Property Address	81 SE RIVER LIGHTS CT, STUART, FL 34996-1803
Document Number	0032080402
Book / Page	3208 / 402
Map Reference	MB 15 PG 19
Instrument Date	Mar 16, 2021
Instrument	2875963
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	STARFISH TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 SE RIVER LIGHTS CT, 81, STUART, FL 34996-1803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2449 WOODMILL DR, WESTLAKE, OH 44145-6517

Mortgage

Document Number	0003208404
Date	Mar 22, 2021
Instrument	3208/404

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

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	$18,302.00 (-4.11%) Additional exemption filed	$1,079,150 (+2.7%) Land $400,000 Building $679,150	$1,079,150 (+2.7%) Land $400,000 Building $679,150
2024	$19,086.00 (+2.03%)
2023	$18,707.00 (+28.51%) Additional exemption filed	$1,050,830 (+34.23%) Land $400,000 Building $650,830	$1,050,830 (+34.23%) Land $400,000 Building $650,830
2022	$14,557.00	$782,850 Land $316,200 Building $466,650	$782,850 Land $316,200 Building $466,650

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	11 (1978–2018)
Claims Outside the SFHA	4 of 11
Most Recent Claim	May 2018
Claims by Event	Hurricane Frances, Sep 2004 · 3 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 Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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	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 219 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	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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