5020 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5020 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,124 sqft · built 1980
Lot Size	0.512 acres (22,303 sqft)
Owner	Individual Name on Record
Last Sale	$180,100 (Mar 2021)
Tax Bill	$5,847 (2024)
Deeds & Mortgages	Oct 2025 Transfer Mar 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0059.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0059.0-8-0000`
Alternative APNs	`53-38-41-001-000-00590-8` `43252`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,124 sqft Living Area
Gross Area	2,652 sqft
1st Floor Area	2,124 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,303 sqft (0.512 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Porch	Open Porch
Porch Area	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5020 SE STERLING CIR
City	STUART
State	FL
Zip	34997-6522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CORAL LAKES LOT 59
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	59
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2012
Census Tract	1106

Owner

Source: Martin County records, as of October 24, 2025

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	5020 SE STERLING CIR, STUART, FL 34997-6522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TD BANK NA
Mar 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage SEACOAST NATIONAL BANK
Mar 10, 2021	Quit Claim Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 18, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2021 · Amount on Record
Deed Sale	Mar 10, 2021 · Amount on Record
Prior Sale	Nov 17, 2015 · Amount on Record
Deed Document Number	20212873544
Deed Book / Page	3204 / 2908
Last Transfer Date	Oct 7, 2025
Transfer Doc	0035251931
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Oct 7, 2025
Property Address	5020 SE STERLING CIR, STUART, FL 34997-6522
Document Number	0035251931
Book / Page	3525 / 1931
Map Reference	MB 7 PG 80
Instrument Date	Oct 7, 2025
Instrument	3150498
Transaction Type	Transfer
Record Updated	Oct 24, 2025
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	5020 SE STERLING CIR, STUART, FL 34997-6522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 SE STERLING CIR, STUART, FL 34997-6522

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5020 SE STERLING CIR, STUART, FL 34997-6522
Transaction Type	Mortgage
Record Updated	Apr 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 SE STERLING CIR, STUART, FL 34997-6522

Mortgage

Document Number	0033650258
Date	Mar 21, 2023
Book Page	3365/258
Instrument	3007306

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 4, 2038

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5020 SE STERLING CIR, STUART, FL 34997-6522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029780376
Date	Mar 1, 2018
Book Page	02978/0376
Instrument	2681392

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	36499

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 10, 2021
Property Address	5020 SE STERLING CIR, STUART, FL 34997-6522
Document Number	0032042908
Book / Page	3204 / 2908
Map Reference	MB 7 PG 80
Instrument Date	Feb 1, 2021
Instrument	2873544
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$1,260.70
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 SE STERLING CIR, STUART, FL 34997-6522

Mortgage

Document Number	0032042922
Date	Mar 10, 2021
Instrument	3204/2922

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5020 SE STERLING CIR, STUART, FL 34997-6522
Document Number	0030702323
Instrument Date	May 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 SE STERLING CIR STUART FL 349976522, STUART, FL 34997-6522

Mortgage

Document Number	0030702323
Date	Jul 12, 2019
Book Page	003070/002323
Instrument	2764746

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

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		$380,578 (+2.9%)	$577,190 (+2.17%) Land $220,000 Building $357,190
2024	$5,847.00 (+4.56%) Additional exemption filed	$369,853 (+5.48%)	$564,950 (+2.68%) Land $225,500 Building $339,450
2023	$5,592.00 (+3.59%) Additional exemption filed	$350,644 (+3%)	$550,200 (+23.28%) Land $225,500 Building $324,700
2022	$5,398.00 Homeowner's exemption	$340,432	$446,290 Land $179,880 Building $266,410

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 AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force

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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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