974 SE Saint Lucie Blvd, Stuart, FL 34996 Property Records

Martin County property record for 974 SE Saint Lucie Blvd, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,668 sqft · built 1995
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Sep 2026)
Tax Bill	$8,213 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2025 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`02-38-41-002-009-0032.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`02-38-41-002-009-0032.0-2-0000`
Alternative APNs	`02-38-41-002-009-00320-2` `238410020090032020000` `17978`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,668 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	1,668 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,710 sqft (0.177 acres)
Garage Type	Attached
Garage Area	426 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	225 sqft
Porch	Patio
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17978
Street Address	974 SE SAINT LUCIE BLVD
City	STUART
State	FL
Zip	34996-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	BAY ST LUCIE LOT 32 & N 15 OF LOT 33 BLK 9
Legal Range	41E
Legal Township	38S
Legal Section	2
Legal Subdivision	BAY ST LUCIE
Legal Block	9
Legal Lot Number	32,33
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1007
Census Tract	901

Owner

Source: Martin County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1851 BEAVER DAM RD, MADISON, GA 30650-2834
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Sep 18, 2025	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 18, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 29, 2021	Warranty Deed, Transfer · Conventional Mortgage FIDELITY FUNDING MORTGAGE CORP
Aug 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITY OF VISTA
Mar 22, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 22, 2020	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on Record
Deed Sale	Sep 17, 2026 · Amount on Record
Prior Sale	Apr 29, 2021 · Amount on Record
Deed Document Number	20263205452
Deed Book / Page	3591 / 24
Prior Transfer Date	Sep 15, 2025
Prior Transfer Doc	0035221056
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 17, 2026
Property Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327
Document Number	0003205452
Book / Page	3591 / 24
Instrument Date	Sep 3, 2026
Instrument	20263205452
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480,760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1851 BEAVER DAM RD, MADISON, GA 30650-2834

Mortgage

Document Number	0003205453,
Date	Sep 17, 2026
Book Page	3591/26
Instrument	20263205453

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 18, 2025
Property Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327
Document Number	0035221056
Book / Page	3522 / 1056
Map Reference	MB 6 PG 57
Instrument Date	Sep 15, 2025
Instrument	3147905
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1083 SE SAINT LUCIE BLVD, STUART, FL 34996-1328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1083 SE SAINT LUCIE BLVD, STUART, FL 34996-1328

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Sep 18, 2023
Property Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327
Document Number	0033970117
Book / Page	3397 / 117
Map Reference	MB 6 PG 57
Instrument Date	Jul 26, 2023
Instrument	3035862
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	973 GLASCO TPKE, SAUGERTIES, NY 12477-3314

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	973 GLASCO TPKE, SAUGERTIES, NY 12477-3314

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 29, 2021
Property Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327
Document Number	0032191966
Book / Page	3219 / 1966
Map Reference	MB 6 PG 57
Instrument Date	Apr 26, 2021
Instrument	2884898
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	FLORIDA TITLE AND GUARANTEE AGENCY, FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,388.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 SE SAINT LUCIE BLVD, 315, STUART, FL 34996-1316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327

Mortgage

Document Number	32191968
Date	Apr 29, 2021
Instrument	3219/1968

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Recording Date	Aug 10, 2026
Property Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327
Document Number	0003199643
Book / Page	3583 / 2388
Instrument Date	Apr 26, 2021
Instrument	20263199643
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327

Mortgage

Document Number	0003199643,
Date	Aug 10, 2026
Book Page	3583/2388
Instrument	20263199643

Lender

Name	CITY OF VISTA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029140526
Date	Mar 22, 2017
Book Page	02914/0526
Instrument	2625875

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jun 1, 2046

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 22, 2020
Property Address	974 SE SAINT LUCIE BLVD, STUART, FL 34996-1327
Document Number	0031442645
Book / Page	3144 / 2645
Map Reference	MB 6 PG 57
Instrument Date	Jul 17, 2020
Instrument	2827172
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,856.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2384 SW STRAWBERRY TER, 2384, PALM CITY, FL 34990-6905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 SE SAINT LUCIE BLVD, SEWALLS POINT, FL 34996-1327

Mortgage

Document Number	0031442647
Date	Jul 22, 2020
Instrument	3144/2647

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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	$8,213.00 (-4.21%)	$490,790 (-0.74%) Land $166,500 Building $324,290	$490,790 (-0.74%) Land $166,500 Building $324,290
2024	$8,574.00 (+1.03%)	$494,430 (+2.4%) Land $166,500 Building $327,930	$494,430 (+2.4%) Land $166,500 Building $327,930
2023	$8,487.00 (+3.3%)	$482,820 (+3.08%) Land $166,500 Building $316,320	$482,820 (+3.08%) Land $166,500 Building $316,320
2022	$8,216.00	$468,400 Land $183,980 Building $284,420	$468,400 Land $183,980 Building $284,420

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 133 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	461 units insured incl. 328 condo units
Nearby Flood Claims	37 (1983–2024)
Claims Outside the SFHA	14 of 37
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 16 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% 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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2025) 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	18 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 98 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

May also be available: Blue Stream, Verizon.

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