815 SW Salerno Rd, Stuart, FL 34997 Property Records

Martin County property record for 815 SW Salerno Rd, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,032 sqft · built 1984
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Apr 2025)
Tax Bill	$3,698 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`55-38-41-012-000-0027.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-012-000-0027.0-7-0000`
Alternative APNs	`55-38-41-012-000-00270-7` `44798`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	2,032 sqft Living Area
Gross Area	2,472 sqft
1st Floor Area	2,032 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1999
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	76 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	44798
Street Address	815 SW SALERNO RD
City	STUART
State	FL
Zip	34997-6277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	ST LUCIE SETTLEMENT LOT 27 & W 1/2 OF LOT 28
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	ST LUCIE SETTLEMENT UNRECORDED
Legal Block	1
Legal Lot Number	27,28
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1006
Census Tract	1103

Owner

815 SW Salerno Rd is owned and occupied by two individuals who bought it in April 2025.

Source: Martin County records, as of October 19, 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 Record	2 Individual Names on File
Mailing Address	815 SW SALERNO RD, STUART, FL 34997-6277
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2025 · Amount on File
Deed Sale	Apr 10, 2025 · Amount on File
Prior Sale	Jul 1, 1983 · Amount on File
Deed Document Number	20253122936
Deed Book / Page	3493 / 426
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	815 SW SALERNO RD, STUART, FL 34997-6277
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 SW SALERNO RD, STUART, FL 34997-6277

Mortgage

Document Number	0031811991
Date	Dec 15, 2020
Book Page	3181/1991
Instrument	2855945

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 815 SW Salerno Rd was $3,698, down 0.4% 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	$3,698.00 (-0.35%)	$252,401	$870,220 Land $650,000 Building $220,220
2024	$3,711.00 (+2.43%)
2023	$3,623.00 (+1.74%) Additional exemption filed	$238,144 (+3%)	$735,390 (+30.17%) Land $500,000 Building $235,390
2022	$3,561.00 Homeowner's exemption	$231,208	$564,960 Land $355,250 Building $209,710

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 815 SW Salerno Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 186 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	218 units insured incl. 32 condo units
Nearby Flood Claims	170 (1979–2025)
Claims Outside the SFHA	25 of 170
Most Recent Claim	Oct 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

Wildfire risk around 815 SW Salerno Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 245 locations within half a mile, as of December 31, 2025

Provider	Max 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