5482 SW Turtle Shell Ln, Palm City, FL 34990 Property Records

Martin County property record for 5482 SW Turtle Shell Ln, Palm City, FL 34990

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,185 sqft · built 1993
Lot Size	0.297 acres (12,937 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Apr 1993)
Tax Bill	$3,913 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`43-38-41-001-005-0004.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`43-38-41-001-005-0004.0-4-0000`
Alternative APNs	`43-38-41-001-005-00040-4` `38061`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,185 sqft Living Area
Gross Area	2,761 sqft
1st Floor Area	2,185 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,937 sqft (0.297 acres)
View / Lot	Interior
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	524 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38061
Street Address	5482 SW TURTLE SHELL LN
City	PALM CITY
State	FL
Zip	34990-4131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	RIVER LANDING LOT 4 BLK E
Legal Range	41E
Legal Township	38S
Legal Section	43
Legal Subdivision	RIVER LANDING
Legal Block	E
Legal Lot Number	4
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1006
Census Tract	604

Owner

5482 SW Turtle Shell Ln is owned and occupied by two individuals who bought it in April 1993.

Source: Martin County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5482 SW TURTLE SHELL LN, PALM CITY, FL 34990-4131
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 1993 · Amount on File
Deed Sale	Apr 12, 1993 · Amount on File
Deed Book / Page	1006 / 569
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5482 SW TURTLE SHELL LN, PALM CITY, FL 34990-4131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029721749
Date	Jan 31, 2018
Book Page	02972/1749
Instrument	2676391

Lender

Name	POWER FINANCIAL CU
Type	Credit Union
Address	PEMBROKE PINES, FL 33028

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 17, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 5482 SW Turtle Shell Ln was $3,913 with a homeowner's exemption, down 0.5% from the year before.

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	$3,913.00 (-0.46%) Additional exemption filed	$260,791	$487,660 Land $195,000 Building $292,660
2024	$3,931.00 (+2.29%)
2023	$3,843.00 (+3.92%) Additional exemption filed	$246,061 (+3%)	$506,500 (+17.37%) Land $195,000 Building $311,500
2022	$3,698.00 Homeowner's exemption	$238,895	$431,530 Land $185,400 Building $246,130

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

Flood

FEMA maps place 5482 SW Turtle Shell Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 93 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	38 (1984–2018)
Claims Outside the SFHA	14 of 38
Most Recent Claim	May 2018
Claims by Event	Hurricane Frances, Sep 2004 · 10 claims Hurricane Irene, Oct 1999 · 6 claims Severe Flooding, Oct 1995 · 5 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

Wildfire risk around 5482 SW Turtle Shell Ln is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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