5391 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5391 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,484 sqft · built 1991
Lot Size	0.502 acres (21,867 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Sep 2020)
Tax Bill	$9,835 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0102.0-6-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0102.0-6-0000`
Alternative APNs	`53-38-41-001-000-01020-6` `43295`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,484 sqft Living Area
Gross Area	2,990 sqft
1st Floor Area	2,484 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,867 sqft (0.502 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	226 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43295
Street Address	5391 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 102
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	102
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2019
Census Tract	1106

Owner

5391 SE Sterling Cir is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5391 SE STERLING CIR, STUART, FL 34997-6527
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 28, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Sep 14, 2020	Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2020 · Amount on File
Deed Sale	Sep 14, 2020 · Amount on File
Prior Sale	Nov 30, 1987 · Amount on File
Deed Document Number	20202837523
Deed Book / Page	3157 / 2366
Transfer Doc	0013530555
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5391 SE STERLING CIR, STUART, FL 34997-6527
Transaction Type	Mortgage
Record Updated	Aug 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5391 SE STERLING CIR, STUART, FL 34997-6527

Mortgage

Document Number	0032361635
Date	Jun 28, 2021
Book Page	3236/1635
Instrument	2898411

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 14, 2020
Property Address	5391 SE STERLING CIR, STUART, FL 34997-6527
Document Number	0031572366
Book / Page	3157 / 2366
Map Reference	MB 7 PG 80
Instrument Date	Aug 27, 2020
Instrument	2837523
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SIGNATURE TITLE FL PARTNERS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5391 SE STERLING CIR, STUART, FL 34997-6527

Mortgage

Document Number	0031572368
Date	Sep 14, 2020
Instrument	3157/2368

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5391 SE Sterling Cir was $9,835, up 2.5% 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	$9,835.00 (+2.47%)	$560,456	$661,270 Land $220,000 Building $441,270
2024	$9,598.00 (+4.52%)
2023	$9,183.00 (+17.01%)	$463,188 (+1%)	$635,490 (+29.32%) Land $225,500 Building $409,990
2022	$7,848.00	$421,080	$491,400 Land $179,880 Building $311,520

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

Flood

FEMA maps place 5391 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 5391 SE Sterling Cir is low, with a 0.03% annual chance of 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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