51 SE Harbor Point Dr, Stuart, FL 34996 Property Records

Martin County property record for 51 SE Harbor Point Dr, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,944 sqft · built 1948
Lot Size	1.57 acres (68,738 sqft)
Owner	Individual Name on Record
Last Sale	$1,870,000 (Jan 2017)
Tax Bill	$27,831 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Apr 2021 Document + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-38-41-001-001-0002.0-3-0000`

Property Details

APN / Parcel Number

Primary APN	`02-38-41-001-001-0002.0-3-0000`
Alternative APNs	`02-38-41-001-001-00020-3` `238410010010002030000` `17887`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,944 sqft Living Area
Gross Area	3,568 sqft
1st Floor Area	2,268 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	68,738 sqft
Lot Dimensions	100 ft deep x 207 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	720 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	255 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	17887
Street Address	51 SE HARBOR POINT DR
City	STUART
State	FL
Zip	34996-1347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SNUG HARBOR LOT 2 & TRIANGULAR TR AS IN DB 69 PG 87 BLK A
Legal Range	41E
Legal Township	38S
Legal Section	2
Legal Subdivision	SNUG HARBOR
Legal Tract	A
Legal Block	A
Legal Lot Number	2
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2012
Census Tract	902

Owner

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	51 SE HARBOR POINT DR, STUART, FL 34996-1347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2020	Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK
Apr 7, 2021	ATTORNEY ONLY, ATTORNEY
Jan 27, 2017	Warranty Deed, Transfer · ARM FLORIDA COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2017 · Amount on Record
Deed Sale	Jan 27, 2017 · Amount on Record
Prior Sale	Aug 31, 2004
Deed Document Number	20172616851
Deed Book / Page	2903 / 2839
Last Transfer Date	Jan 29, 2021
Transfer Doc	0032131005
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	51 SE HARBOR POINT DR, STUART, FL 34996-1347
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SE HARBOR POINT DR, STUART, FL 34996-1347

Mortgage

Document Number	0031041448
Date	Jan 7, 2020
Book Page	3104/1448
Instrument	2793643

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021:

Jurisdiction	MARTIN FL
Recording Date	Apr 7, 2021
Property Address	51 SE HARBOR POINT DR, STUART, FL 34996-1347
Document Number	0032131005
Book / Page	3213 / 1005
Map Reference	MB 2 PG 47
Instrument Date	Jan 29, 2021
Instrument	2879891
Record Updated	May 12, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2381 SW ISLAND CREEK TRL, 2381, PALM CITY, FL 34990-4319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SE HARBOR POINT DR, STUART, FL 34996-1347

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 27, 2017
Property Address	51 SE HARBOR POINT DR, STUART, FL 34996-1347
Document Number	0029032839
Book / Page	02903 / 2839
Map Reference	MB381 PG1063
Instrument Date	Jan 26, 2017
Instrument	2616851
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,090.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3473 SE WILLOUGHBY BLVD, 3473, STUART, FL 34994-5002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SE HARBOR POINT DR, STUART, FL 34996-1347

Mortgage

Document Number	2616852
Date	Jan 27, 2017
Instrument	2616852

Lender

Name	FLORIDA COMMUNITY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	40%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

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	$27,831.00 (-1.08%) Homeowner's exemption	$1,776,395 (+5.99%)	$2,922,150 (+10.89%) Land $2,587,500 Building $334,650
2024	$28,134.00 (+1.55%)
2023	$27,704.00 (+3.28%) Additional exemption filed	$1,676,051 (+3%)	$2,635,150 (+10.86%) Land $2,277,000 Building $358,150
2022	$26,823.00 Homeowner's exemption	$1,627,234	$2,376,980 Land $2,070,000 Building $306,980

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	11 (1978–2018)
Claims Outside the SFHA	4 of 11
Most Recent Claim	May 2018
Claims by Event	Hurricane Frances, Sep 2004 · 3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	STUART, CITY OF - WATER PLANT serves 16,841 people · EPA ID FL4430259
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

51 SE Harbor Point Dr, Stuart, FL 34996 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2021:

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on SE Harbor Point Dr

Nearby Streets

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