Martin County property record for 5423 SE Harbor Ter, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,978 sqft · built 2001 |
| Lot Size | 0.237 acres (10,324 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,199 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-38-41-013-000-0009.0-9-0000 |
| Primary APN | 48-38-41-013-000-0009.0-9-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,978 sqft Living Area |
| 1st Floor Area | 1,978 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,324 sqft (0.237 acres) |
| Garage Type | Carport |
| Garage Area | 357 sqft |
| Carport | Carport |
| Carport Area | 357 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 686 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 5423 SE HARBOR TER |
|---|---|
| City | STUART |
| State | FL |
| Zip | 34997-2539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Legal Description | ST LUCIE INLET HARBOR AMENDED LOT 9 & 1/40 INT IN PRIVATE PARK |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 48 |
| Legal Subdivision | ST LUCIE INLET HARBOR |
| Legal Block | 1 |
| Legal Lot Number | 9,1 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1302 |
Source: Martin County records · APN 48-38-41-013-000-0009.0-9-0000
Assessment roll updated August 27, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5423 SE HARBOR TER, STUART, FL 34997-2539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jul 24, 2009 |
| Transfer Doc | 0024061607 |
| Record Updated | Jun 08, 2026 |
Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $277,803 (+5.99%) | $561,450 (+3.46%) Land $225,000 Building $336,450 | |
| 2024 | $4,199.00 (+2.26%) | ||
| 2023 | $4,106.00 (+3.77%) Additional exemption filed | $262,111 (+3%) | $542,670 (+14.6%) Land $225,000 Building $317,670 |
| 2022 | $3,957.00 Homeowner's exemption | $254,477 | $473,550 Land $236,250 Building $237,300 |
Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850013021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 167 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 253 units insured incl. 86 condo units |
| Nearby Flood Claims | 16 (1994–2025) |
| Claims Outside the SFHA | 6 of 16 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 349 locations within half a mile · Last verified October 2026
| Provider | Max 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: T-Mobile USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | MARTIN CO UTILITIES serves 104,105 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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