5381 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5381 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,103 sqft · built 1988
Lot Size	0.509 acres (22,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Sep 2025)
Tax Bill	$3,213 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0101.0-8-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0101.0-8-0000`
Alternative APNs	`53-38-41-001-000-01010-8` `43294`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,103 sqft Living Area
Gross Area	3,024 sqft
1st Floor Area	2,103 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,172 sqft (0.509 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	766 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43294
Street Address	5381 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 101
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	101
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2019
Census Tract	1106

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	4819 SE EBBTIDE AVE, STUART, FL 34997-8855
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jan 22, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Jul 14, 1997 · Amount on Record
Deed Document Number	20253147358
Deed Book / Page	3521 / 2153
Prior Transfer Date	Jan 16, 2019
Prior Transfer Doc	0030371312
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 16, 2025
Property Address	5381 SE STERLING CIR, STUART, FL 34997-6527
Document Number	0035212153
Book / Page	3521 / 2153
Map Reference	MB 7 PG 80
Instrument Date	Sep 15, 2025
Instrument	3147358
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5381 SE STERLING CIR, STUART, FL 34997-6527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4819 SE EBBTIDE AVE, STUART, FL 34997-8855

Mortgage

Document Number	0035212155
Date	Sep 16, 2025
Instrument	3521/2155

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 22, 2019
Property Address	5381 SE STERLING CIR, STUART, FL 34997-6527
Document Number	0030371312
Book / Page	003037 / 001312
Instrument Date	Jan 16, 2019
Instrument	2734982
Transaction Type	Transfer
Record Updated	Feb 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5381 SE STERLING CIR STUART FL 349976527, STUART, FL 34997-6527

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	$3,213.00 (-0.34%) Homeowner's exemption	$216,401 (+2.9%)	$479,800 (+0.95%) Land $200,000 Building $279,800
2024	$3,224.00 (+2.51%) Additional exemption filed	$210,303 (+3%)	$475,300 (+0.18%) Land $205,000 Building $270,300
2023	$3,145.00 (+3.9%) Additional exemption filed	$204,178 (+3%)	$474,430 (+28.17%) Land $205,000 Building $269,430
2022	$3,027.00 Homeowner's exemption	$198,232	$370,150 Land $163,530 Building $206,620

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
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	0.03% 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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