9503 SW Otter Ln, Stuart, FL 34997 Property Records

Martin County property record for 9503 SW Otter Ln, Stuart, FL 34997

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,542 sqft · built 2016
Lot Size	0.035 acres (1,529 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (Apr 2020)
Tax Bill	$2,844 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-39-40-006-000-0023.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`12-39-40-006-000-0023.0-0-0000`
Alternative APNs	`12-39-40-006-000-00230-0` `211168`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,542 sqft Living Area
Gross Area	1,802 sqft
1st Floor Area	619 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Townhouse
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	1,529 sqft (0.035 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Open Concrete/Masonry Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	211168
Street Address	9503 SW OTTER LN
City	STUART
State	FL
Zip	34997-8964
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUDR
Legal Description	LOT 23 PH 5 RIVER MARINA PUD PHS 3 & 5 (PB 16 PG 42)
Legal Range	40E
Legal Township	39S
Legal Section	12
Legal Subdivision	RIVER MARINA
Legal Block	1
Legal Lot Number	23
Jurisdiction	MARTIN FL
Township / Civil Division	INDIANTOWN
Census Block Group	1
Census Block	1019
Census Tract	1702

Owner

9503 SW Otter Ln, a townhouse, is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	9503 SW OTTER LN, STUART, FL 34997-8964
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on File
Deed Sale	Apr 30, 2020 · Amount on File
Prior Sale	Jun 1, 2016
Deed Document Number	20202812078
Deed Book / Page	3126 / 975
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 30, 2020
Property Address	9503 SW OTTER LN, STUART, FL 34997-8964
Document Number	0031260975
Book / Page	3126 / 975
Map Reference	MB 16 PG 42
Instrument Date	Apr 21, 2020
Instrument	2812078
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	$1,589.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9503 SW OTTER LN, STUART, FL 34997-8964

Mortgage

Document Number	0003126977
Date	Apr 30, 2020
Instrument	3126/977

Lender

Name	EAST COAST MORTGAGE LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 9503 SW Otter Ln was $2,844 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	$2,844.00 (-1.04%) Additional exemption filed	$222,678	$307,100 Land $115,000 Building $192,100
2024	$2,874.00 (+2.02%)
2023	$2,817.00 (+3.91%) Additional exemption filed	$210,100 (+3%)	$277,460 (+8.78%) Land $90,000 Building $187,460
2022	$2,711.00 Homeowner's exemption	$203,981	$255,070 Land $75,000 Building $180,070

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

Flood

FEMA maps place 9503 SW Otter Ln in Zone X, an area of minimal flood risk.

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 74 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	74 in force

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 9503 SW Otter Ln is moderate, ranking above 65% of the US, with a 0.2% 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 42% of Florida
Wildfire Likelihood	0.2% 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	ST. LUCIE FALLS private · serves 499 people · EPA ID FL4434014
Water Source	Purchased groundwater from MARTIN CO UTILITIES
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2024) 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	11 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20