Martin County property record for 5448 SE Reef Way, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,580 sqft · built 1997 |
| Lot Size | 0.382 acres (16,683 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,260 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-38-41-270-000-00230-8 |
| Primary APN | 48-38-41-270-000-00230-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,580 sqft Living Area |
| 1st Floor Area | 1,733 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 16,683 sqft (0.382 acres) |
| Garage Type | Attached |
| Garage Area | 882 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 362 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 39235 |
|---|---|
| Street Address | 5448 SE REEF WAY |
| City | STUART |
| State | FL |
| Zip | 34997-2557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE REEF LOT 23 |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 48 |
| Legal Subdivision | THE REEF (AKA COLONY OF ROCKY POINT) |
| Legal Lot Number | 23 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1302 |
Source: Martin County records, as of December 24, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5448 SE REEF WAY, STUART, FL 34997-2557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2024 |
| Deed Sale | Jun 14, 2024 |
| Prior Sale | Aug 1, 2013 · Amount on Record |
| Deed Document Number | 0034422867 |
| Deed Book / Page | 02833 / 2759 |
| Prior Transfer Date | Feb 5, 2016 |
| Prior Transfer Doc | 2557408 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN FL |
| Property Address | 5448 SE REEF WAY, STUART, FL 34997-2557 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 5448 SE REEF WAY, STUART, FL 34997-2557 |
| Document Number | 0032080463 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 3208/463 |
| Instrument | 2875983 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Martin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $439,092 (+5.99%) | $667,730 (-2.69%) Land $235,000 Building $432,730 | |
| 2024 | $2,260.00 (+2.54%) | ||
| 2023 | $2,204.00 (+3.72%) Additional exemption filed | $414,290 (+3%) | $686,160 (+12.98%) Land $235,000 Building $451,160 |
| 2022 | $2,125.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $402,224 | $607,350 Land $237,300 Building $370,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 147 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 | 2,000 / 250 |
May also be available: Hotwire Communications, Verizon.
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