5273 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5273 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1985
Lot Size	0.499 acres (21,736 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Jul 2022)
Tax Bill	$7,413 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-360-000-0002.0-3-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-360-000-0002.0-3-0000`
Alternative APNs	`48-38-41-360-000-00020-3` `39281`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
Gross Area	2,162 sqft
1st Floor Area	1,574 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,736 sqft (0.499 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	538 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39281
Street Address	5273 SE HARBOR TER
City	STUART
State	FL
Zip	34997-6966
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	RONI S/D LOT 2
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE RONI SUBDIVISION
Legal Block	1
Legal Lot Number	2
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1014
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	2 Individual Names on Record
Mailing Address	5273 SE HARBOR TER, STUART, FL 34997-6966
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 28, 2019	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Oct 9, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Mar 21, 2013 · Amount on Record
Deed Document Number	20222972935
Deed Book / Page	3327 / 1031
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 28, 2022
Property Address	5273 SE HARBOR TER, STUART, FL 34997-6966
Document Number	0033271031
Book / Page	3327 / 1031
Map Reference	MB 8 PG 14
Instrument Date	Jul 25, 2022
Instrument	2972935
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5273 SE HARBOR TER, STUART, FL 34997-6966

Mortgage

Document Number	0033271033
Date	Jul 28, 2022
Instrument	3327/1033

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5273 SE HARBOR TER, STUART, FL 34997-6966
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030791950
Date	Aug 28, 2019
Book Page	3079/1950
Instrument	2272348

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5273 SE HARBOR TER, STUART, FL 34997-6966
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5273 SE HARBOR TER, STUART, FL 34997-6966

Mortgage

Document Number	0031641768
Date	Oct 9, 2020
Book Page	3164/1768
Instrument	2842701

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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	$7,413.00 (-0.79%) Additional exemption filed	$483,081 (+5.99%)	$586,800 (+8.66%) Land $264,000 Building $322,800
2024	$7,472.00 (+1.87%)
2023	$7,335.00 (+106.91%) Additional exemption filed	$455,794 (+98.39%)	$540,050 (+30.26%) Land $240,000 Building $300,050
2022	$3,545.00 Homeowner's exemption	$229,744	$414,600 Land $249,600 Building $165,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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