5321 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5321 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,395 sqft · built 1990
Lot Size	0.514 acres (22,390 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Sep 2026)
Tax Bill	$7,787 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0097.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0097.0-8-0000`
Alternative APNs	`53-38-41-001-000-00970-8` `43290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,395 sqft Living Area
Gross Area	2,815 sqft
1st Floor Area	2,395 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,390 sqft (0.514 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	451 sqft
Deck Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43290
Street Address	5321 SE STERLING CIR
City	STUART
State	FL
Zip	34997-6527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CORAL LAKES LOT 97
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	97
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2019
Census Tract	1106

Owner

5321 SE Sterling Cir is owned and occupied by two individuals who bought it in September 2026.

Source: Martin County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5321 SE STERLING CIR, STUART, FL 34997-6527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 29, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage DREAMLINE MORTGAGE INC
Nov 29, 2018	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on File
Deed Sale	Sep 4, 2026 · Amount on File
Prior Sale	Apr 29, 2021 · Amount on File
Deed Document Number	20263203751
Deed Book / Page	3588 / 2499
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 4, 2026
Property Address	5321 SE STERLING CIR, STUART, FL 34997-6527
Document Number	0003203751
Book / Page	3588 / 2499
Instrument Date	Sep 1, 2026
Instrument	20263203751
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	INDEPENDENCE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$494,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5321 SE STERLING CIR, STUART, FL 34997-6527

Mortgage

Document Number	0003203752,
Date	Sep 4, 2026
Instrument	20263203752

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 29, 2021
Property Address	5321 SE STERLING CIR, STUART, FL 34997-6527
Document Number	0032200019
Book / Page	3220 / 19
Map Reference	MB 7 PG 80
Instrument Date	Apr 16, 2021
Instrument	2885206
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	SIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6634 CRYSTAL DOWNS DR UNIT 203, 6634, WINDSOR, CO 80550-7162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5321 SE STERLING CIR, STUART, FL 34997-6527

Mortgage

Document Number	322021
Date	Apr 29, 2021
Instrument	3220/21

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5321 SE STERLING CIR, STUART, FL 34997-6527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030940482
Date	Nov 13, 2019
Book Page	3094/0482
Instrument	2784577

Lender

Name	DREAMLINE MORTGAGE INC
Type	Mortgage Company
Address	JENSEN BEACH, FL 34957

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 29, 2018
Property Address	5321 SE STERLING CIR, STUART, FL 34997-6527
Document Number	0030282960
Book / Page	03028 / 2960
Map Reference	MB7 PG80
Instrument Date	Nov 28, 2018
Instrument	2727373
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FLORIDA TITLE & GUARANTEE AG

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1074 W LAKEVIEW DR, 1074, SEBASTIAN, FL 32958-8572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5321 SE STERLING CIR, STUART, FL 34997-6527

Mortgage

Document Number	0002727374
Date	Nov 29, 2018
Instrument	2727374

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5321 SE Sterling Cir was $7,787, down 0.8% from the year before.

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	$7,787.00 (-0.84%) Homeowner's exemption	$506,076	$671,040 Land $200,000 Building $471,040
2024	$7,853.00 (+1.84%)
2023	$7,711.00 (+7.01%) Additional exemption filed	$477,490 (+6.38%)	$650,860 (+32.53%) Land $205,000 Building $445,860
2022	$7,206.00 Homeowner's exemption	$448,848	$491,090 Land $163,530 Building $327,560

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

Flood

FEMA maps place 5321 SE Sterling Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 5321 SE Sterling Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% 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.

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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