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

Martin County property record for 985 SW Flora Belle Ln, Stuart, FL 34994

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,299 sqft · built 2017
Lot Size0.247 acres (10,759 sqft)
Owner2 Individual Names on File
Last Sale$520,000 (Oct 2020)
Tax Bill$5,373 (2025)
Deeds & MortgagesOct 2020 Mortgage
Apr 2017 Sale
Flood ZoneZone X (minimal risk)
APN05-38-41-029-000-0004.0-0-0000

Property Details

APN / Parcel Number

Primary APN05-38-41-029-000-0004.0-0-0000
Alternative APNs
  • 05-38-41-029-000-00040-0
  • 585849

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,299 sqft Living Area
Gross Area2,732 sqft
1st Floor Area2,299 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,759 sqft (0.247 acres)
Garage TypeAttached
Garage Area433 sqft
Parking Spaces2 Parking Spaces
PorchOpen Concrete/Masonry Porch
Porch Area297 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number585849
Street Address985 SW FLORA BELLE LN
CitySTUART
StateFL
Zip34994-2830
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLOT 4 BELLE FLORA ESTATES (PB 16 PG 30)
Legal Range41E
Legal Township38S
Legal Section5
Legal SubdivisionBELLE FLORA ESTATES
Legal Block1
Legal Lot Number4
JurisdictionMARTIN FL
Township / Civil DivisionSTUART
Census Block Group1
Census Block1007
Census Tract701

Owner

985 SW Flora Belle Ln is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record2 Individual Names on File
Mailing Address985 SW FLORA BELLE LN, STUART, FL 34994-2830
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
SEACOAST NATIONAL BANK
Apr 19, 2017Warranty Deed, Transfer
SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 22, 2020 · Amount on File
Deed SaleOct 22, 2020 · Amount on File
Prior SaleApr 19, 2017 · Amount on File
Deed Document Number20202845294
Deed Book / Page3167 / 1929
Record UpdatedOct 29, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address985 SW FLORA BELLE LN, STUART, FL 34994-2830
Transaction TypeMortgage
Record UpdatedFeb 22, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2143 NW MARSH RABBIT LN, JENSEN BEACH, FL 34957-3531

Mortgage

Document Number0031671930
DateOct 22, 2020
Book Page3167/1930
Instrument2845295
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34994
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateApr 19, 2017
Property Address985 SW FLORA BELLE LN, STUART, FL 34994-2830
Document Number0029190029
Book / Page002919 / 000029
Instrument DateApr 10, 2017
Instrument2630078
Transaction TypeTransfer
Record UpdatedFeb 4, 2019
Title CompanySOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC

Transaction

AmountAmount on Record
Tax$2,905.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address985 SW FLORA BELLE LN STUART FL 34994, STUART, FL 34994

Tax Assessment & Valuation

The 2025 property tax bill for 985 SW Flora Belle Ln was $5,373 with a homeowner's exemption, down 1.3% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
MunicipalityStuart City
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,373.00 (-1.3%) Additional exemption filed$339,570$539,310 Land $250,000 Building $289,310
2024$5,444.00 (+3.13%)
2023$5,279.00 (+3.39%) Additional exemption filed$320,389 (+3%)$752,410 (+50.24%) Land $250,000 Building $502,410
2022$5,106.00 Homeowner's exemption$311,058$500,810 Land $230,000 Building $270,810

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

Flood

FEMA maps place 985 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 42 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies74 units insured
incl. 32 condo units
Nearby Flood Claims3 (2014–2022)
Claims Outside the SFHA1 of 3
Most Recent ClaimNov 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 985 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemSTUART, CITY OF - WATER PLANT
serves 16,841 people · EPA ID FL4430259
Water SourceGroundwater
Last State InspectionJul 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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

ProviderMax 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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