5081 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5081 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,065 sqft · built 1981
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Aug 2018)
Tax Bill	$4,913 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0074.0-7-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0074.0-7-0000`
Alternative APNs	`53-38-41-001-000-00740-7` `43267`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,065 sqft Living Area
Gross Area	2,527 sqft
1st Floor Area	2,065 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	513 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43267
Street Address	5081 SE STERLING CIR
City	STUART
State	FL
Zip	34997-6521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CORAL LAKES LOT 74
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	74
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2019
Census Tract	1106

Owner

5081 SE Sterling Cir is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5081 SE STERLING CIR, STUART, FL 34997-6521
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
Aug 21, 2018	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2018 · Amount on File
Deed Sale	Aug 21, 2018 · Amount on File
Prior Sale	Aug 16, 2011 · Amount on File
Deed Document Number	20182711552
Deed Book / Page	3011 / 1228
Prior Transfer Date	Jun 29, 2010
Prior Transfer Doc	0024631679
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5081 SE STERLING CIR, STUART, FL 34997-6521
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5081 SE STERLING CIR, STUART, FL 34997-6521

Mortgage

Document Number	0031961511
Date	Feb 11, 2021
Book Page	3196/1511
Instrument	2867174

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2041

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Aug 21, 2018
Property Address	5081 SE STERLING CIR, STUART, FL 34997-6521
Document Number	0030111228
Book / Page	03011 / 1228
Map Reference	MB7 PG80
Instrument Date	Aug 15, 2018
Instrument	2711552
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5081 SE STERLING CIR, STUART, FL 34997-6521

Mortgage

Document Number	0002711553
Date	Aug 21, 2018
Instrument	2711553

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5081 SE Sterling Cir was $4,913 with a homeowner's exemption, down 0.6% from the year before.

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

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	$4,913.00 (-0.65%) Homeowner's exemption	$324,071	$563,940 Land $220,000 Building $343,940
2024	$4,945.00 (+2.13%)
2023	$4,842.00 (+3.66%) Additional exemption filed	$305,766 (+3%)	$546,690 (+27.67%) Land $225,500 Building $321,190
2022	$4,671.00 Homeowner's exemption	$296,861	$428,220 Land $179,880 Building $248,340

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

Flood

FEMA maps place 5081 SE Sterling Cir in Zone X, an area of minimal flood risk, within 100 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 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 File 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

Wildfire risk around 5081 SE Sterling Cir is low, with a 0.03% annual chance of 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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