5454 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5454 SE Harbor Ter, Stuart, FL 34997 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,361 sqft · built 1972
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Owner Names on File
Last Sale	$272,500 (Apr 2014)
Tax Bill	$6,765 (2024)
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-013-000-00120-3`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-013-000-00120-3`
Alternative APN	`38956`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,361 sqft Living Area
1st Floor Area	1,361 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,498 sqft (0.241 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Pool Area	392 sqft
Porch	Porch
Porch Area	133 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38956
Street Address	5454 SE HARBOR TER
City	STUART
State	FL
Zip	34997-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST LUCIE INLET HARBOR AMENDED LOT 12 & 1/40 INT IN PRIVATE PARK
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	ST LUCIE INLET HARBOR
Legal Lot Number	12
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

Owner

Source: Martin County records · APN 48-38-41-013-000-00120-3

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	GEORG PEDER HOLTER-HOVIND GUSTAV VINCENT HOLTER-HO

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 07, 2014 · Amount on Record
Deed Sale	Apr 07, 2014 · Amount on Record
Prior Sale	Apr 20, 2005 · Amount on Record
Deed Document Number	0002711565
Deed Book / Page	2711 / 565
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

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		$392,978 (+21%)	$433,950 (+3.32%) Land $225,000 Building $208,950
2024	$6,765.00 (+5.67%)
2023	$6,402.00 (+9.34%)	$324,776 (+1%)	$420,020 (+9.07%) Land $225,000 Building $195,020
2022	$5,855.00	$295,251	$385,090 Land $236,250 Building $148,840

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 167 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	253 units insured (86 under condo master policies) 142 of 167 individual policies on primary residences
Nearby Flood Claims	16 (1994–2025)
Claims Outside the SFHA	6 of 16
Most Recent Claim	Oct 2025, rainfall accumulation
Flood Events	Hurricane Frances (Sep 2004), 5 claims Severe Flooding (Oct 1995), 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 7% of Florida
Wildfire Likelihood	About 1 in 9,091 per year
Exposure	Indirect within ember reach

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.