974 NW Pine Lake Dr, Stuart, FL 34994 Property Records

Martin County property record for 974 NW Pine Lake Dr, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,417 sqft · built 1982
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$163,500 (Oct 2000)
Tax Bill	$4,807 (2025)
Deeds & Mortgages	Feb 2019 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`31-37-41-001-003-0020.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`31-37-41-001-003-0020.0-2-0000`
Alternative APNs	`31-37-41-001-003-00200-2` `8403`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,417 sqft Living Area
Gross Area	3,113 sqft
1st Floor Area	2,417 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	724 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8403
Street Address	974 NW PINE LAKE DR
City	STUART
State	FL
Zip	34994-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COCOANUT PARK SEC 1 LOT 20 BLK 3 OR 355/2810
Legal Range	41E
Legal Township	37S
Legal Section	31
Legal Subdivision	COCOANUT PARK
Legal Block	3
Legal Lot Number	20
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2005
Census Tract	300

Owner

974 NW Pine Lake Dr is owned and occupied by an individual who acquired it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	974 NW PINE LAKE DR, STUART, FL 34994-9427
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

Date	Document
Feb 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG
Jun 21, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2000 · Amount on File
Deed Sale	Oct 4, 2000 · Amount on File
Prior Sale	Apr 25, 2000
Deed Book / Page	1509 / 1152
Last Transfer Date	Mar 13, 2019
Transfer Doc	0030662114
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	974 NW PINE LAKE DR, STUART, FL 34994-9427
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030430070
Date	Feb 25, 2019
Book Page	3043/0070
Instrument	2740502

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	974 NW PINE LAKE DR, STUART, FL 34994-9427
Document Number	0031300304
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 NW PINE LAKE DR STUART FL 349949427, STUART, FL 34994-9427

Mortgage

Document Number	0031300304
Date	May 19, 2020
Book Page	003130/000304
Instrument	2815291

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 21, 2019
Property Address	974 NW PINE LAKE DR, STUART, FL 34994-9427
Document Number	0030662114
Book / Page	003066 / 002114
Instrument Date	Mar 13, 2019
Instrument	2761364
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 NW PINE LAKE DR STUART FL 349949427, STUART, FL 34994-9427

Tax Assessment & Valuation

The 2025 property tax bill for 974 NW Pine Lake Dr was $4,807 with a homeowner's exemption, 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	$4,807.00 (-0.35%) Homeowner's exemption	$256,280	$522,770 Land $250,000 Building $272,770
2024	$4,824.00 (+1.86%)
2023	$4,736.00 (+3.02%) Additional exemption filed	$241,804 (+3%)	$462,830 (+11.43%) Land $250,000 Building $212,830
2022	$4,597.00 Homeowner's exemption	$234,762	$415,360 Land $227,700 Building $187,660

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

Flood

FEMA maps place 974 NW Pine Lake Dr 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 110 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	120 units insured incl. 10 condo units
Nearby Flood Claims	30 (1983–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Hurricane Irene, Oct 1999 · 2 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 974 NW Pine Lake Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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