Martin County property record for 816 SE Waterside Way, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,490 sqft · built 1994 |
| Lot Size | 0.605 acres (26,354 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Jun 2018) |
| Tax Bill | $6,634 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-39-41-006-000-0049.0-5-0000 |
| Primary APN | 04-39-41-006-000-0049.0-5-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,490 sqft Living Area |
| Gross Area | 3,431 sqft |
| 1st Floor Area | 2,490 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 26,354 sqft (0.605 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Porch | Screened Concrete Masonry Porch |
| Porch Area | 425 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 60809 |
|---|---|
| Street Address | 816 SE WATERSIDE WAY |
| City | STUART |
| State | FL |
| Zip | 34997-2824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE12A |
| Legal Description | SOUTH FORK ESTATES LOT 49 |
| Legal Range | 41E |
| Legal Township | 39S |
| Legal Section | 4 |
| Legal Subdivision | SOUTH FORK ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 49 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 1108 |
816 SE Waterside Way is owned and occupied by two individuals who bought it in June 2018.
Source: Martin County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 816 SE WATERSIDE WAY, STUART, FL 34997-2824 |
| 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.
| Date | Document |
|---|---|
| Nov 3, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 11, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2018 · Amount on File |
| Deed Sale | Jun 11, 2018 · Amount on File |
| Prior Sale | Apr 15, 1992 · Amount on File |
| Deed Document Number | 20182699450 |
| Deed Book / Page | 2997 / 2665 |
| Prior Transfer Date | Jan 20, 2015 |
| Prior Transfer Doc | 0027630110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 816 SE WATERSIDE WAY, STUART, FL 34997-2824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029571555 |
|---|---|
| Date | Nov 3, 2017 |
| Book Page | 02957/1555 |
| Instrument | 2662867 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Oct 20, 2057 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 816 SE WATERSIDE WAY, STUART, FL 34997-2824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031411508 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 3141/1508 |
| Instrument | 2824481 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Jun 11, 2018 |
| Property Address | 816 SE WATERSIDE WAY, STUART, FL 34997-2824 |
| Document Number | 0029972665 |
| Book / Page | 002997 / 002665 |
| Instrument Date | May 31, 2018 |
| Instrument | 2699450 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2018 |
| Title Company | TOWN TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 816 SE WATERSIDE WAY STUART FL 349972824, STUART, FL 34997-2824 |
| Document Number | 29972668 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 002997/002668 |
| Instrument | 2699451 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2048 |
The 2025 property tax bill for 816 SE Waterside Way was $6,634 with a homeowner's exemption, down 0.8% from the year before.
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,634.00 (-0.76%) Homeowner's exemption | $433,687 | $653,550 Land $275,000 Building $378,550 |
| 2024 | $6,685.00 (+16.02%) | ||
| 2023 | $5,762.00 (+3.61%) Additional exemption filed | $361,419 (+3%) | $574,240 (+19.86%) Land $260,000 Building $314,240 |
| 2022 | $5,561.00 Homeowner's exemption | $350,893 | $479,090 Land $231,750 Building $247,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 816 SE Waterside Way in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 File median of 247 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 247 in force |
| Nearby Flood Claims | 3 (1995–2004) |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 risk around 816 SE Waterside Way is high, ranking above 83% of the US, with a 0.7% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 83% of the US · above 74% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH FORK HOMEOWNER UTIL CORP private · serves 200 people · EPA ID FL4430484 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
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 | 22 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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