975 SW Flora Belle Ln, Stuart, FL 34994 Property Records

Martin County property record for 975 SW Flora Belle Ln, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,299 sqft · built 2017
Lot Size	0.173 acres (7,518 sqft)
Owner	Individual Name on File
Last Sale	$640,000 (Aug 2024)
Tax Bill	$8,846 (2025)
Deeds & Mortgages	Sep 2021 Reverse Mortgage Apr 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-38-41-009-002-0010.1-0-0000`

Property Details

APN / Parcel Number

Primary APN	`05-38-41-009-002-0010.1-0-0000`
Alternative APNs	`05-38-41-009-002-00101-0` `1002206`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,299 sqft Living Area
Gross Area	2,732 sqft
1st Floor Area	2,299 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,518 sqft (0.173 acres)
Garage Type	Attached
Garage Area	433 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Concrete/Masonry Porch
Porch Area	297 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	1002206
Street Address	975 SW FLORA BELLE LN
City	STUART
State	FL
Zip	34994-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HALPATIOKEE PARK S1/2 OF LOTS 10 & 11 BLK 2
Legal Range	41E
Legal Township	38S
Legal Section	5
Legal Subdivision	HALPATIOKEE PARK
Legal Block	2
Legal Lot Number	10,11
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1007
Census Tract	701

Owner

975 SW Flora Belle Ln is owned by an individual who bought it in August 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3515 SE GRAN PARK WAY, STUART, FL 34997-8808
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage SUN WEST MORTGAGE COMPANY INC
Apr 22, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 23, 2017	Warranty Deed, Transfer SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC
Aug 8, 2017	Quit Claim Deed, Transfer SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SERVICES INC
Jul 13, 2017	Quit Claim Deed, Transfer SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2024 · Amount on File
Deed Sale	Aug 1, 2024 · Amount on File
Prior Sale	Aug 23, 2017 · Amount on File
Deed Document Number	20243084771
Deed Book / Page	3451 / 477
Prior Transfer Date	Sep 16, 2021
Prior Transfer Doc	0032580421
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Sep 21, 2021
Property Address	975 SW FLORA BELLE LN, STUART, FL 34994-2830
Document Number	0032580421
Book / Page	3258 / 421
Map Reference	MB 8 PG 25
Instrument Date	Sep 16, 2021
Instrument	2915398
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	MERIT TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 SW FLORA BELLE LN, STUART, FL 34994-2830

Mortgage

Document Number	3258422
Date	Sep 21, 2021
Instrument	3258/422

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	844 Months
Due	Jan 2, 2092

Interest

Rate Type	Adjustable Rate
Rate	2.11%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Apr 22, 2021
Property Address	975 SW FLORA BELLE LN, STUART, FL 34994-2830
Document Number	0032172815
Book / Page	3217 / 2815
Map Reference	MB 8 PG 25
Instrument Date	Apr 16, 2021
Instrument	2883530
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	975 SW FLORA BELLE LN, 975, STUART, FL 34994-2830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 HILLVIEW DR, HUDSON FALLS, NY 12839-2109

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 23, 2017
Property Address	975 SW FLORA BELLE LN, STUART, FL 34994-2830
Document Number	0029442564
Book / Page	002944 / 002564
Instrument Date	Aug 21, 2017
Instrument	2652193
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC

Transaction

Amount	Amount on Record
Tax	$2,876.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	975 SW FLORA BELLE LN STUART FL 34994, STUART, FL 34994

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 8, 2017
Property Address	975 SW FLORA BELLE LN, STUART, FL 34994-2830
Document Number	0029420685
Book / Page	002942 / 000685
Instrument Date	Aug 8, 2017
Instrument	2649790
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SERVICES INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1067 PALM CITY FL 349911067, PALM CITY, FL 34991-1067

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 13, 2017
Property Address	975 SW FLORA BELLE LN, STUART, FL 34994-2830
Document Number	0029370115
Book / Page	002937 / 000115
Instrument Date	Jul 11, 2017
Instrument	2645210
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SERVICES INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1067 PALM CITY FL 349911067, PALM CITY, FL 34991-1067

Tax Assessment & Valuation

The 2025 property tax bill for 975 SW Flora Belle Ln was $8,846, up 99.2% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Municipality	Stuart City
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,846.00 (+99.19%)	$539,310 Land $250,000 Building $289,310	$539,310 Land $250,000 Building $289,310
2024	$4,441.00 (+3.47%)
2023	$4,292.00 (+3.5%) Additional exemption filed	$266,505 (+3%)	$752,410 (+50.24%) Land $250,000 Building $502,410
2022	$4,147.00 Homeowner's exemption	$258,743	$500,810 Land $230,000 Building $270,810

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 975 SW Flora Belle Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 42 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	74 units insured incl. 32 condo units
Nearby Flood Claims	3 (2014–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2022 · Hurricane Nicole

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 975 SW Flora Belle Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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