5194 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5194 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,014 sqft · built 1991
Lot Size	0.501 acres (21,824 sqft)
Owner	2 Trust Names on File
Last Sale	$430,700 (Apr 2019)
Tax Bill	$6,281 (2025)
Deeds & Mortgages	Nov 2025 Transfer May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-360-000-0010.0-6-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-360-000-0010.0-6-0000`
Alternative APNs	`48-38-41-360-000-00100-6` `39289`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,014 sqft Living Area
Gross Area	2,487 sqft
1st Floor Area	2,014 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,824 sqft (0.501 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	240 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	366 sqft
Deck Area	130 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39289
Street Address	5194 SE HARBOR TER
City	STUART
State	FL
Zip	34997-6963
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RONI S/D LOT 10
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE RONI SUBDIVISION
Legal Block	1
Legal Lot Number	10
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1010
Census Tract	1302

Owner

5194 SE Harbor Ter is owner-occupied and held in a trust since April 2019.

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

Owner of Record	2 Trust Names on File
Mailing Address	5194 SE HARBOR TER, STUART, FL 34997-6963
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Nov 21, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 1, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 25, 2019	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2019 · Amount on File
Deed Sale	Apr 25, 2019 · Amount on File
Prior Sale	Jul 21, 2004 · Amount on File
Deed Document Number	20192751090
Deed Book / Page	3054 / 2464
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Nov 21, 2025
Property Address	5194 SE HARBOR TER, STUART, FL 34997-6963
Document Number	0035340874
Book / Page	3534 / 874
Map Reference	MB 8 PG 14
Instrument Date	Nov 18, 2025
Instrument	3157631
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5194 SE HARBOR TER, STUART, FL 34997-6963

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5194 SE HARBOR TER, STUART, FL 34997-6963

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5194 SE HARBOR TER, STUART, FL 34997-6963
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031262432
Date	May 1, 2020
Book Page	3126/2432
Instrument	2812473

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 25, 2019
Property Address	5194 SE HARBOR TER, STUART, FL 34997-6963
Document Number	0030542464
Book / Page	3054 / 2464
Map Reference	MB 8 PG 14
Instrument Date	Apr 9, 2019
Instrument	2751090
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,014.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4104 LIMERICK CT, 4104, SEBASTIAN, FL 32958-8551

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5194 SE HARBOR TER, STUART, FL 34997-6963

Mortgage

Document Number	0030542465
Date	Apr 25, 2019
Instrument	3054/2465

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5194 SE Harbor Ter was $6,281, down 0.7% 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	$6,281.00 (-0.74%) Additional exemption filed	$411,321 (+2.9%)	$609,040 (+3.23%) Land $240,000 Building $369,040
2024	$6,328.00 (+1.95%) Additional exemption filed	$399,729 (+3%)	$589,990 (+1.33%) Land $240,000 Building $349,990
2023	$6,207.00 (+3.59%) Additional exemption filed	$388,087 (+3%)	$582,220 (+10.42%) Land $240,000 Building $342,220
2022	$5,992.00 Homeowner's exemption	$376,784	$527,280 Land $249,600 Building $277,680

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

Flood

FEMA maps place 5194 SE Harbor Ter in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1994.

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 File 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

Wildfire risk around 5194 SE Harbor Ter is low, with a 0.01% annual chance of 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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