5040 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5040 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,989 sqft · built 1989
Lot Size	0.514 acres (22,390 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Oct 2022)
Tax Bill	$7,304 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43251`

Property Details

APN / Parcel Number

Primary APN	`43251`
Alternative APN	`53-38-41-001-000-00580-0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,989 sqft Living Area
1st Floor Area	1,989 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1989
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,390 sqft (0.514 acres)
Garage Type	Attached
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43251
Street Address	5040 SE STERLING CIR
City	STUART
State	FL
Zip	34997-6522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CORAL LAKES LOT 58
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Lot Number	58
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 · APN 43251

Assessment roll updated July 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	5040 SE STERLING CIR, STUART, FL 34997-6522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	Jul 16, 2001 · Amount on Record
Deed Document Number	0033401670
Deed Book / Page	3340 / 1670
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 12, 2022
Property Address	5040 SE STERLING CIR, STUART, FL 34997-6522
Document Number	0033401670
Book / Page	3340 / 1670
Map Reference	MB 7 PG 80
Instrument Date	Sep 22, 2022
Instrument	2984552
Transaction Type	Transfer
Record Updated	Nov 03, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 N 6TH ST, 224, FERNANDINA BEACH, FL 32034-3816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 SE STERLING CIR, STUART, FL 34997-6522

Mortgage

Document Number	0033401671
Date	Oct 12, 2022
Instrument	3340/1671

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$461,160 (+0.81%) Land $220,000 Building $241,160	$461,160 (+0.81%) Land $220,000 Building $241,160
2024	$7,304.00 (-0.98%)
2023	$7,376.00 (+126.88%) Additional exemption filed	$457,470 (+116.12%) Land $225,500 Building $231,970	$457,470 (+27.98%) Land $225,500 Building $231,970
2022	$3,251.00 Homeowner's exemption	$211,677	$357,460 Land $179,880 Building $177,580

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 14, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA.

Based on FCC filings for 254 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MARTIN CO UTILITIES serves 104,105 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.