5220 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5220 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,135 sqft · built 1984
Lot Size	1.03 acres (45,085 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Jul 2015)
Tax Bill	$5,832 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0017.0-6-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0017.0-6-0000`
Alternative APNs	`53-38-41-001-000-00170-6` `43210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,135 sqft Living Area
Gross Area	2,982 sqft
1st Floor Area	2,135 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,085 sqft
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Screened Concrete Masonry Porch
Porch Area	702 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43210
Street Address	5220 SE STERLING CIR
City	STUART
State	FL
Zip	34997-6567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CORAL LAKES LOT 17
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	17
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2006
Census Tract	1106

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	5220 SE STERLING CIR, STUART, FL 34997-6567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage TROPICAL FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2015 · Amount on Record
Deed Sale	Jul 7, 2015 · Amount on Record
Prior Sale	May 20, 2014 · Amount on Record
Deed Document Number	20152524126
Deed Book / Page	2794 / 2061
Prior Transfer Date	May 19, 2014
Prior Transfer Doc	0027182783
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5220 SE STERLING CIR, STUART, FL 34997-6567
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 SE STERLING CIR, STUART, FL 34997-6567

Mortgage

Document Number	0033232800
Date	Jul 8, 2022
Book Page	3323/2800
Instrument	2969795

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jun 29, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5220 SE STERLING CIR, STUART, FL 34997-6567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5220 SE STERLING CIR, STUART, FL 34997-6567

Mortgage

Document Number	0031680764
Date	Oct 26, 2020
Book Page	3168/764
Instrument	2845870

Lender

Name	TROPICAL FINANCIAL CU
Type	Credit Union
Address	HOLLYWOOD, FL 33025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

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	$5,832.00 (-0.72%) Additional exemption filed	$382,242 (+17.89%)	$594,640 (+11.44%) Land $225,000 Building $369,640
2024	$5,874.00 (+14.04%)
2023	$5,151.00 (+3.64%) Additional exemption filed	$324,230 (+3%)	$533,610 (+23.12%) Land $225,000 Building $308,610
2022	$4,970.00 Homeowner's exemption	$314,787	$433,400 Land $200,450 Building $232,950

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 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

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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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