821 SW Blue Stem Way, Stuart, FL 34997 Property Records

Martin County property record for 821 SW Blue Stem Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,298 sqft · built 2003
Lot Size	0.314 acres (13,678 sqft)
Owner	2 Individual Names on File
Last Sale	$699,995 (Nov 2023)
Tax Bill	$4,547 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-39-41-004-000-0029.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`08-39-41-004-000-0029.0-0-0000`
Alternative APNs	`08-39-41-004-000-00290-0` `155416`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,298 sqft Living Area
Gross Area	2,745 sqft
1st Floor Area	2,298 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	13,678 sqft (0.314 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	155416
Street Address	821 SW BLUE STEM WAY
City	STUART
State	FL
Zip	34997-7138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	LOT 29 PH III FLORIDA CLUB PUD (PB 15 PG 33)
Legal Range	41E
Legal Township	39S
Legal Section	8
Legal Subdivision	FLORIDA CLUB
Legal Block	1
Legal Lot Number	29
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	1
Census Block	1002
Census Tract	1703

Owner

821 SW Blue Stem Way is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	821 SW BLUE STEM WAY, STUART, FL 34997-7138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 17, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 13, 2018	Warranty Deed, Transfer · Conventional Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on File
Deed Sale	Nov 17, 2023 · Amount on File
Prior Sale	Sep 13, 2018 · Amount on File
Deed Document Number	20233045537
Deed Book / Page	3407 / 436
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	821 SW BLUE STEM WAY, STUART, FL 34997-7138
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 SW BLUE STEM WAY, STUART, FL 34997-7138

Mortgage

Document Number	0035561617
Date	Mar 27, 2026
Book Page	3556/1617
Instrument	3177191

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Apr 1, 2036
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	SOFR Average 30-Day
Max Rate	10.2%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 17, 2023
Property Address	821 SW BLUE STEM WAY, STUART, FL 34997-7138
Document Number	0034070436
Book / Page	3407 / 436
Map Reference	MB 15 PG 33
Instrument Date	Nov 7, 2023
Instrument	3045537
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6871 SW 117TH ST, OCALA, FL 34476-3620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 SW BLUE STERM WAY, STUART, FL 34997-7138

Mortgage

Document Number	0003407439
Date	Nov 17, 2023
Instrument	3407/439

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.1%
Max Rate	12.1%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 13, 2018
Property Address	821 SW BLUE STEM WAY, STUART, FL 34997-7138
Document Number	0030152206
Book / Page	03015 / 2206
Map Reference	MB15 PG33
Instrument Date	Sep 5, 2018
Instrument	2715366
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 SW BLUE STEM WAY, STUART, FL 34997-7138

Mortgage

Document Number	0002715367
Date	Sep 13, 2018
Instrument	2715367

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 821 SW Blue Stem Way was $4,547 with a homeowner's exemption, down 0.6% 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	$4,547.00 (-0.59%) Homeowner's exemption	$301,300	$579,000 Land $250,000 Building $329,000
2024	$4,574.00 (-16.82%)
2023	$5,499.00 (+3.64%) Additional exemption filed	$345,653 (+3%)	$562,440 (+10.47%) Land $225,000 Building $337,440
2022	$5,306.00 Homeowner's exemption	$335,586	$509,140 Land $225,000 Building $284,140

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 821 SW Blue Stem Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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 152 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	152 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 821 SW Blue Stem Way is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Blue Stream.

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