5168 SE Harrold Ter, Stuart, FL 34997 Property Records

Martin County property record for 5168 SE Harrold Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1991
Lot Size	0.387 acres (16,858 sqft)
Owner	2 Company Names on Record
Last Sale	$625,000 (Jul 2022)
Tax Bill	$2,294 (2025)
Deeds & Mortgages	Nov 2023 Reverse Mortgage May 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-410-000-0012.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-410-000-0012.0-2-0000`
Alternative APNs	`48-38-41-410-000-00120-2` `39307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Gross Area	2,360 sqft
1st Floor Area	1,980 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,858 sqft (0.387 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	474 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39307
Street Address	5168 SE HARROLD TER
City	STUART
State	FL
Zip	34997-6913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	MCKENZIE DEVELOPMENT LOT 12
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	MCKENZIE DEVELOPMENT
Legal Block	1
Legal Lot Number	12
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1014
Census Tract	1302

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	2 Company Names on Record
Mailing Address	5168 SE HARROLD TER, STUART, FL 34997-6913
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 4, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE FLORIDA LAND COMPANY LLC
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit SUZANNE H SMITH
Feb 22, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Dec 19, 2018	Warranty Deed, Transfer · VA Mortgage JPMORGAN CHASE BANK NA
Feb 2, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2022 · Amount on Record
Deed Sale	Jul 5, 2022 · Amount on Record
Prior Sale	Dec 19, 2018 · Amount on Record
Deed Document Number	20222969036
Deed Book / Page	3323 / 646
Last Transfer Date	Jun 19, 2025
Transfer Doc	0035071434
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5168 SE HARROLD TER, STUART, FL 34997-6913
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5168 SE HARROLD TER, STUART, FL 34997-6913

Mortgage

Document Number	0034051627
Date	Nov 7, 2023
Book Page	3405/1627
Instrument	3043995

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	814 Months
Due	Sep 21, 2091

Interest

Rate Type	Fixed Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5168 SE HARROLD TER, STUART, FL 34997-6913
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5168 SE HARROLD TER, STUART, FL 34997-6913

Mortgage

Document Number	0033730235
Date	May 4, 2023
Book Page	3373/235
Instrument	3014676

Lender

Name	THE FLORIDA LAND COMPANY LLC
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33334

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	26 Months
Due	Jul 1, 2025

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5168 SE HARROLD TER, STUART, FL 34997-6913
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5168 SE HARROLD TER, STUART, FL 34997-6913

Mortgage

Document Number	0033230648
Date	Jul 5, 2022
Book Page	3323/648
Instrument	2969037

Lender

Name	SUZANNE H SMITH
Type	Private Party
Address	2900 N DIXIE HWY STE 103, OAKLAND PARK, FL 33334

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5168 SE HARROLD TER, STUART, FL 34997-6913
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5168 SE HARROLD TER, STUART, FL 34997-6913

Mortgage

Document Number	0031992103
Date	Feb 22, 2021
Book Page	3199/2103
Instrument	2869663

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Dec 19, 2018
Property Address	5168 SE HARROLD TER, STUART, FL 34997-6913
Document Number	0030322434
Book / Page	3032 / 2434
Map Reference	MB 11 PG 20
Instrument Date	Dec 13, 2018
Instrument	2730681
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 SE MARTINIQUE TR #101101, 601, STUART, FL 34997

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5168 SE HARROLD TER, STUART, FL 34997-6913

Mortgage

Document Number	0002730682
Date	Dec 19, 2018
Instrument	2730682

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Feb 2, 2018
Property Address	5168 SE HARROLD TER, STUART, FL 34997-6913
Document Number	0029730739
Book / Page	002973 / 000739
Instrument Date	Jan 29, 2018
Instrument	2676954
Transaction Type	Transfer
Record Updated	Feb 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5168 SE HARROLD TER STUART FL 349976913, STUART, FL 34997-6913

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	$2,294.00 (+0.09%)	$179,145 (+5.99%)	$549,880 (+3.06%) Land $240,000 Building $309,880
2024	$2,292.00 (-7.24%)
2023	$2,471.00 (-54.27%) Additional exemption filed	$169,027 (-50.49%)	$533,540 (+8.72%) Land $240,000 Building $293,540
2022	$5,403.00 Homeowner's exemption	$341,388	$490,740 Land $249,600 Building $241,140

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.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 167 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	253 units insured incl. 86 condo units
Nearby Flood Claims	16 (1994–2025)
Claims Outside the SFHA	6 of 16
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 5 claims Severe Flooding, Oct 1995 · 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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 349 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	2,000 / 250

May also be available: T-Mobile.

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