5400 SE Sterling Cir, Stuart, FL 34997 Property Records

Martin County property record for 5400 SE Sterling Cir, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,414 sqft · built 2004
Lot Size	1.04 acres (45,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Feb 2024)
Tax Bill	$10,264 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-38-41-001-000-0032.0-5-0000`

Property Details

APN / Parcel Number

Primary APN	`53-38-41-001-000-0032.0-5-0000`
Alternative APNs	`53-38-41-001-000-00320-5` `43225`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,414 sqft Living Area
Gross Area	3,003 sqft
1st Floor Area	2,414 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,694 sqft
Garage Type	Attached
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	449 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	43225
Street Address	5400 SE STERLING CIR
City	STUART
State	FL
Zip	34997-6500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CORAL LAKES LOT 32
Legal Range	41E
Legal Township	38S
Legal Section	53
Legal Subdivision	CORAL LAKES
Legal Block	2
Legal Lot Number	32
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	2
Census Block	2028
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	41 FARRAGUT DR, BRICK, NJ 08723-7508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Prior Sale	Jun 5, 2007 · Amount on Record
Deed Document Number	20243060228
Deed Book / Page	3422 / 2797
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Feb 29, 2024
Property Address	5400 SE STERLING CIR, STUART, FL 34997-6500
Document Number	0034222797
Book / Page	3422 / 2797
Map Reference	MB 7 PG 80
Instrument Date	Feb 29, 2024
Instrument	3060228
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	PREMIER TITLE PARTNERS/OCALA II LT, PREMIER TITLE PARTNERS GOLD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5338 CANOSIA RD, SAGINAW, MN 55779-9586

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 FARRAGUT DRIVE, BRICK TOWNSHIP, NJ

Mortgage

Document Number	0034222799
Date	Feb 29, 2024
Instrument	3422/2799

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Max Rate	11.6%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5400 SE STERLING CIR, STUART, FL 34997-6500
Document Number	0029242570
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5400 SE STERLING CIR STUART FL 349976500, STUART, FL 34997-6500

Mortgage

Document Number	0029242570
Date	May 11, 2017
Book Page	002924/002570
Instrument	2634972

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2047

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	$10,264.00 (+9.23%) Additional exemption filed	$662,980 (+47.38%) Land $225,000 Building $437,980	$662,980 (+5.46%) Land $225,000 Building $437,980
2024	$9,397.00 (+4.43%)
2023	$8,998.00 (+14.99%)	$449,841 (+1%)	$628,670 (+23.43%) Land $225,000 Building $403,670
2022	$7,825.00	$408,947	$509,320 Land $200,450 Building $308,870

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

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% 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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