Martin County property record for 495 SW Harbor St, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,532 sqft · built 1976 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Mar 1991) |
| Tax Bill | $3,539 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 55-38-41-007-000-0031.1-5-0000 |
| Primary APN | 55-38-41-007-000-0031.1-5-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,532 sqft Living Area |
| Gross Area | 2,032 sqft |
| 1st Floor Area | 1,532 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 44410 |
|---|---|
| Street Address | 495 SW HARBOR ST |
| City | STUART |
| State | FL |
| Zip | 34997-7446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR1 |
| Legal Description | HARBOR ESTATES SEC 2 W 100 OF LOT 31 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 55 |
| Legal Subdivision | HARBOR ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 31 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1103 |
Source: Martin County records, as of September 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 495 SW HARBOR ST, STUART, FL 34997-7446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 1991 · Amount on Record |
| Deed Sale | Mar 8, 1991 · Amount on Record |
| Deed Book / Page | 897 / 148 |
| Last Transfer Date | Nov 10, 2010 |
| Transfer Doc | 0000111010 |
| Record Updated | Oct 29, 2026 |
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,539.00 (+21.2%) Homeowner's exemption Senior Citizen's exemption | $213,137 (+5.99%) | $379,950 (+6.84%) Land $250,000 Building $129,950 |
| 2024 | $2,920.00 (+2.82%) | ||
| 2023 | $2,840.00 (+4.22%) Additional exemption filed | $201,099 (+3%) | $355,630 (+19.96%) Land $240,000 Building $115,630 |
| 2022 | $2,725.00 Homeowner's exemption | $195,242 | $296,450 Land $190,400 Building $106,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 186 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 218 units insured incl. 32 condo units |
| Nearby Flood Claims | 170 (1979–2025) |
| Claims Outside the SFHA | 25 of 170 |
| Most Recent Claim | Oct 2025 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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