5254 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5254 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 1984
Lot Size	0.501 acres (21,824 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Aug 2001)
Tax Bill	$3,324 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-360-000-0012.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-360-000-0012.0-2-0000`
Alternative APNs	`48-38-41-360-000-00120-2` `39291`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,926 sqft Living Area
Gross Area	2,778 sqft
1st Floor Area	1,926 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,824 sqft (0.501 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Enclosed Concrete/Masonry Porch
Porch Area	612 sqft
Deck Area	225 sqft
Patio Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39291
Street Address	5254 SE HARBOR TER
City	STUART
State	FL
Zip	34997-6965
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RONI S/D LOT 12
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE RONI SUBDIVISION
Legal Block	1
Legal Lot Number	12
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1010
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	Individual Name on Record
Mailing Address	5254 SE HARBOR TER, STUART, FL 34997-6965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2001 · Amount on Record
Deed Sale	Aug 14, 2001 · Amount on Record
Prior Sale	Apr 2, 1991 · Amount on Record
Deed Book / Page	1574 / 2117
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5254 SE HARBOR TER, STUART, FL 34997-6965
Document Number	0029090281
Book / Page	002909 / 000281
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5254 SE HARBOR TER STUART FL 349976965, STUART, FL 34997-6965

Mortgage

Document Number	0029090281
Date	Feb 24, 2017
Book Page	002909/000281
Instrument	2621501

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 23, 2037

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	$3,324.00 (-0.33%) Additional exemption filed	$223,705 (+5.99%)	$537,590 (+2.85%) Land $240,000 Building $297,590
2024	$3,335.00 (+2.46%)
2023	$3,255.00 (+3.93%) Additional exemption filed	$211,069 (+3%)	$522,710 (+7.87%) Land $240,000 Building $282,710
2022	$3,132.00 Homeowner's exemption	$204,922	$484,590 Land $249,600 Building $234,990

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
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	Direct burnable vegetation

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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