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5328 SE Reef Way, Stuart, FL 34997 Property Records

Martin County property record for 5328 SE Reef Way, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,450 sqft · built 2003
Lot Size0.411 acres (17,903 sqft)
OwnerIndividual Name on File
Last Sale$420,000 (Feb 2019)
Tax Bill$9,880 (2025)
Deeds & MortgagesFeb 2019 Sale
Flood ZoneZone X (minimal risk)
APN48-38-41-270-000-0028.0-7-0000

Property Details

APN / Parcel Number

Primary APN48-38-41-270-000-0028.0-7-0000
Alternative APNs
  • 48-38-41-270-000-00280-7
  • 39240

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,450 sqft Living Area
Gross Area2,992 sqft
1st Floor Area2,450 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area17,903 sqft (0.411 acres)
Garage TypeAttached
Garage Area542 sqft
Parking Spaces2 Parking Spaces
Pool TypeIn-Ground Pool
PorchOpen Concrete/Masonry Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number39240
Street Address5328 SE REEF WAY
CitySTUART
StateFL
Zip34997-2555
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE REEF LOT 28
Legal Range41E
Legal Township38S
Legal Section48
Legal SubdivisionTHE REEF (AKA COLONY OF ROCKY POINT)
Legal Block1
Legal Lot Number28
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1008
Census Tract1302

Owner

5328 SE Reef Way is owned and occupied by an individual who acquired it in February 2019.

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

Owner of RecordIndividual Name on File
Mailing Address5328 SE REEF WAY, STUART, FL 34997-2555
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 21, 2019 · Amount on File
Deed SaleFeb 21, 2019 · Amount on File
Prior SaleJul 26, 2002 · Amount on File
Deed Document Number20192740078
Deed Book / Page3042 / 1969
Last Transfer DateFeb 27, 2019
Transfer Doc0030432298
Record UpdatedOct 29, 2026

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateFeb 21, 2019
Property Address5328 SE REEF WAY, STUART, FL 34997-2555
Document Number0030421969
Book / Page003042 / 001969
Instrument DateFeb 21, 2019
Instrument2740078
Transaction TypeTransfer
Record UpdatedDec 18, 2019
Title CompanyASSURED TITLE, ASSURED TITLE AGENCY

Transaction

AmountAmount on Record
Tax$2,940.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address208 E TIMBERLANE RD GALLOWAY NJ 082059583, GALLOWAY, NJ 08205-9583

Tax Assessment & Valuation

The 2025 property tax bill for 5328 SE Reef Way was $9,880 with a homeowner's exemption, down 4.6% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,880.00 (-4.61%) Homeowner's exemption$639,650 Land $225,000 Building $414,650$639,650 Land $225,000 Building $414,650
2024$10,358.00 (-2.17%)
2023$10,588.00 (+21.19%) Additional exemption filed$650,870 (+42.31%) Land $225,000 Building $425,870$650,870 (+12.61%) Land $225,000 Building $425,870
2022$8,737.00$457,358$577,990 Land $226,000 Building $351,990

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

Flood

FEMA maps place 5328 SE Reef Way in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 167 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies253 units insured
incl. 86 condo units
Nearby Flood Claims16 (1994–2025)
Claims Outside the SFHA6 of 16
Most Recent ClaimOct 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

Wildfire risk around 5328 SE Reef Way is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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 147 locations within half a mile, as of December 31, 2025

ProviderMax 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: Hotwire Communications, Verizon.

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