5463 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5463 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,298 sqft · built 1973
Lot Size	0.237 acres (10,324 sqft)
Owner	2 Company Names on File
Last Sale	$70,700 (Sep 2002)
Tax Bill	$1,733 (2024)
Deeds & Mortgages	Mar 2023 Transfer Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-013-000-0015.0-6-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-013-000-0015.0-6-0000`
Alternative APNs	`48-38-41-013-000-00150-6` `38959`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,298 sqft Living Area
Gross Area	1,852 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,324 sqft (0.237 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5463 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 15 & 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	15,1
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

Owner

Source: Martin County assessment roll, as of August 27, 2025

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

Owner of Record	2 Company Names on File
Mailing Address	5463 SE HARBOR TER, STUART, FL 34997-2539
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2002 · Amount on Record
Deed Sale	Sep 23, 2002 · Amount on Record
Prior Sale	Apr 19, 1995 · Amount on Record
Deed Document Number	20021601612
Deed Book / Page	1682 / 873
Last Transfer Date	Mar 31, 2023
Transfer Doc	0033670840
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Mar 31, 2023
Property Address	5463 SE HARBOR TER, STUART, FL 34997-2539
Document Number	0033670840
Book / Page	3367 / 840
Map Reference	MB 4 PG 30
Instrument Date	Mar 31, 2023
Instrument	3009322
Transaction Type	Transfer
Record Updated	Apr 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5463 SE HARBOR TER, STUART, FL 34997-2539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5463 SE HARBOR TER, STUART, FL 34997-2539

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5463 SE HARBOR TER, STUART, FL 34997-2539
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5463 SE HARBOR TER, STUART, FL 34997-2539

Mortgage

Document Number	0032062932
Date	Mar 17, 2021
Book Page	3206/2932
Instrument	2875077

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 2025

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		$123,235 (+5.99%)	$363,460 (+3.69%) Land $225,000 Building $138,460
2024	$1,733.00 (+3.46%)
2023	$1,675.00 (+4.62%) Additional exemption filed	$116,274 (+3%)	$350,510 (+5.96%) Land $225,000 Building $125,510
2022	$1,601.00 Homeowner's exemption	$112,888	$330,800 Land $236,250 Building $94,550

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
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	Hurricane Frances, Sep 2004 · 5 claims Severe Flooding, Oct 1995 · 3 claims

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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

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 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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