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1686 NW Harbor Pl, Stuart, FL 34994 Property Records

Martin County property record for 1686 NW Harbor Pl, Stuart, FL 34994

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,275 sqft · built 1959
Lot Size0.344 acres (14,985 sqft)
Owner2 Individual Names on File
Last Sale$1,372,000 (Jul 2024)
Tax Bill$18,362 (2025)
Deeds & MortgagesSep 2020 Mortgage
Jun 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN31-37-41-001-005-0001.0-7-0000

Property Details

APN / Parcel Number

Primary APN31-37-41-001-005-0001.0-7-0000
Alternative APNs
  • 31-37-41-001-005-00010-7
  • 8410

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms2 Rooms
Stories1 Story
Building Area2,275 sqft Living Area
Gross Area2,758 sqft
1st Floor Area2,275 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1990
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area14,985 sqft (0.344 acres)
Garage TypeAttached
Garage Area483 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area576 sqft
PorchOpen Concrete/Masonry Porch
Porch Area736 sqft
Deck Area306 sqft
Patio Area612 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number8410
Street Address1686 NW HARBOR PL
CitySTUART
StateFL
Zip34994-9476
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCOCOANUT PARK SEC 1 LOT 1 BLK 5
Legal Range41E
Legal Township37S
Legal Section31
Legal SubdivisionCOCOANUT PARK
Legal Block5
Legal Lot Number1
JurisdictionMARTIN FL
Township / Civil DivisionSTUART
Census Block Group2
Census Block2003
Census Tract300

Owner

1686 NW Harbor Pl is owned by two individuals who bought it in July 2024.

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

Owner of Record2 Individual Names on File
Mailing Address1886 NW HARBOR PL, STUART, FL 34994-9421
Owner TypeIndividual
VestingHusband and Wife

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
Sep 2, 2020Deed of Trust, Mortgage · Conventional Mortgage
FIDELITY FUNDING MORTGAGE CORP
Jun 18, 2019Warranty Deed, Transfer
CHARLES & MARILYN ROMANO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 8, 2024 · Amount on File
Deed SaleJul 8, 2024 · Amount on File
Prior SaleJun 18, 2019 · Amount on File
Deed Document Number20243080996
Deed Book / Page3446 / 2778
Record UpdatedOct 29, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address1686 NW HARBOR PL, STUART, FL 34994-9476
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1686 NW HARBOR PL, STUART, FL 34994-9476

Mortgage

Document Number0031551336
DateSep 2, 2020
Book Page3155/1336
Instrument2835695
Lender
NameFIDELITY FUNDING MORTGAGE CORP
TypeSubprime Lender
AddressMAITLAND, FL 32751
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2050

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateJun 18, 2019
Property Address1686 NW HARBOR PL, STUART, FL 34994-9476
Document Number0030652346
Book / Page003065 / 002346
Instrument DateJun 13, 2019
Instrument2760449
Transaction TypeTransfer
Record UpdatedJul 29, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,287.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address304 SW INDIAN GROVE DR STUART FL 349947150, STUART, FL 34994-7150

Mortgage

Document Number30652348
DateJun 18, 2019
Book Page003065/002348
Instrument2760450
Lender
NameCHARLES & MARILYN ROMANO
Address625 NW NORTH RIVER DR # 106, STUART, FL 34994-8962
Special NotesSeller Financed
Agreement
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1686 NW Harbor Pl was $18,362, up 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$18,362.00 (+99.98%) Additional exemption filed$1,176,430 Land $800,000 Building $376,430$1,176,430 Land $800,000 Building $376,430
2024$9,182.00 (-8.03%)
2023$9,984.00 (+3.12%) Additional exemption filed$556,305 (+3%)$1,085,890 (+18.82%) Land $850,000 Building $235,890
2022$9,682.00 Homeowner's exemption$540,102$913,870 Land $756,000 Building $157,870

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 1686 NW Harbor Pl 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation5.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 110 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies120 units insured
incl. 10 condo units
Nearby Flood Claims30 (1983–2017)
Claims Outside the SFHA6 of 30
Most Recent ClaimSep 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 1686 NW Harbor Pl 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 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 80 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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