Martin County property record for 525 SW Harbor St, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,201 sqft · built 2003 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Jan 2002) |
| Tax Bill | $5,177 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 55-38-41-007-000-0032.0-4-0000 |
| Primary APN | 55-38-41-007-000-0032.0-4-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 3,201 sqft Living Area |
| Gross Area | 4,075 sqft |
| 1st Floor Area | 2,676 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,985 sqft (0.344 acres) |
| View / Lot | Interior |
| Garage Type | Attached |
| Garage Area | 698 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Enclosed Concrete/Masonry Porch |
| Porch Area | 346 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 44411 |
|---|---|
| Street Address | 525 SW HARBOR ST |
| City | STUART |
| State | FL |
| Zip | 34997-6225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HR1 |
| Legal Description | HARBOR ESTATES SEC 2 LOT 32 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 55 |
| Legal Subdivision | HARBOR ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1103 |
Source: Martin County records, as of September 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 525 SW HARBOR ST, STUART, FL 34997-6225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EAST COAST MORTGAGE LENDERS INC |
| Jun 24, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2002 · Amount on Record |
| Deed Sale | Jan 22, 2002 · Amount on Record |
| Prior Sale | Jan 19, 1988 · Amount on Record |
| Deed Document Number | 20021547347 |
| Deed Book / Page | 1614 / 630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 525 SW HARBOR ST, STUART, FL 34997-6225 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Title Company | SOUTH FLORIDA TITLE, SOUTH FLORIDA TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 525 SW HARBOR ST, STUART, FL 34997-6225 |
| Document Number | 0032381678 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 3238/1678 |
| Instrument | 2899995 |
| Name | EAST COAST MORTGAGE LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | PALM CITY, FL 34990 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 525 SW HARBOR ST, STUART, FL 34997-6225 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031380270 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 3138/270 |
| Instrument | 2821883 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,177.00 (+13.13%) Additional exemption filed | $301,033 (+5.99%) | $701,560 (+6.75%) Land $250,000 Building $451,560 |
| 2024 | $4,576.00 (+2.17%) | ||
| 2023 | $4,479.00 (+3.7%) Additional exemption filed | $284,030 (+3%) | $657,180 (+13.26%) Land $240,000 Building $417,180 |
| 2022 | $4,319.00 Homeowner's exemption | $275,758 | $580,260 Land $190,400 Building $389,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 186 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 218 units insured incl. 32 condo units |
| Nearby Flood Claims | 170 (1979–2025) |
| Claims Outside the SFHA | 25 of 170 |
| Most Recent Claim | Oct 2025 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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