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5243 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5243 SE Harbor Ter, Stuart, FL 34997 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 2,518 sqft · built 1980
Lot Size0.499 acres (21,736 sqft)
Owner2 Individual Names on File
Tax Bill$4,000 (2024)
Deeds & MortgagesNov 2023 Mortgage
Dec 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN48-38-41-360-000-0003.0-1-0000

Property Details

APN / Parcel Number

Primary APN48-38-41-360-000-0003.0-1-0000
Alternative APNs
  • 48-38-41-360-000-00030-1
  • 39282

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area2,518 sqft Living Area
1st Floor Area2,518 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1990
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area21,736 sqft (0.499 acres)
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces
Pool Area375 sqft
PorchOpen Porch
Porch Area773 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address5243 SE HARBOR TER
CitySTUART
StateFL
Zip34997-6966
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRONI S/D LOT 3
Legal Range41E
Legal Township38S
Legal Section48
Legal SubdivisionTHE RONI SUBDIVISION
Legal Block1
Legal Lot Number3
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1014
Census Tract1302

Owner

Source: Martin County records · APN 48-38-41-360-000-0003.0-1-0000

Assessment roll updated August 27, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address5243 SE HARBOR TER, STUART, FL 34997-6966
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 15, 2023Deed of Trust, Mortgage · Stand-Alone First Mortgage
THIRD FSLA OF CLEVELAND
Dec 26, 2017Deed of Trust, Mortgage · Line of Credit
THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 18, 1997
Deed SaleMar 18, 1997
Prior SaleMar 14, 1997
Deed Book / Page1228 / 1252
Last Transfer DateAug 30, 2004
Transfer Doc0019420130
Record UpdatedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address5243 SE HARBOR TER, STUART, FL 34997-6966
Transaction TypeMortgage
Record UpdatedDec 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address5243 SE HARBOR TER, STUART, FL 34997-6966

Mortgage

Document Number0034062395
DateNov 15, 2023
Book Page3406/2395
Instrument3045233
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
AddressCLEVELAND, OH 44105
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2053

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address5243 SE HARBOR TER, STUART, FL 34997-6966
Document Number0029691651
Book / Page002969 / 001651
Instrument DateDec 26, 2017
Transaction TypeMortgage
Record UpdatedJan 18, 2018
Title CompanyAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5243 SE HARBOR TER STUART FL 349976966, STUART, FL 34997-6966

Mortgage

Document Number0029691651
DateJan 11, 2018
Book Page002969/001651
Instrument2673384
Lender
NameTHIRD FED'L S&L/CLEVELAND
TypeFederal Savings Bank
AddressCLEVELAND, OR 44105
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 10, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$327,754 (+30.93%)$675,650 (+15.25%) Land $264,000 Building $411,650
2024$4,000.00 (+30.08%)
2023$3,075.00 (+7.78%) Additional exemption filed$250,337 (+6.91%)$586,230 (+11.69%) Land $240,000 Building $346,230
2022$2,853.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$234,163$524,880 Land $249,600 Building $275,280

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850013021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 167 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies253 units insured (86 under condo master policies)
142 of 167 individual policies on primary residences
Nearby Flood Claims16 (1994–2025)
Claims Outside the SFHA6 of 16
Most Recent ClaimOct 2025, rainfall accumulation
Flood Events
  • Hurricane Frances (Sep 2004), 5 claims
  • Severe Flooding (Oct 1995), 3 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 7% of Florida
Wildfire LikelihoodAbout 1 in 7,143 per year
ExposureDirect
burnable vegetation at the parcel

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.

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