5483 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5483 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,040 sqft · built 1974
Lot Size	0.237 acres (10,324 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Jul 2026)
Tax Bill	$2,361 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-013-000-0017.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-013-000-0017.0-2-0000`
Alternative APNs	`48-38-41-013-000-00170-2` `38961`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	1,256 sqft
1st Floor Area	1,040 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,324 sqft (0.237 acres)
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	180 sqft
Deck Area	164 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38961
Street Address	5483 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 17 & 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	17,1
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

Owner

Source: Martin County records, as of September 29, 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 Record
Mailing Address	5483 SE HARBOR TER, STUART, FL 34997-2539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Affidavit, Transfer
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage FLEXPOINT FUNDING
Jul 24, 2023	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Apr 30, 2018 · Amount on Record
Deed Document Number	20263196675
Deed Book / Page	3580 / 642
Prior Transfer Date	Oct 17, 1993
Prior Transfer Doc	1036001835
Record Updated	Oct 29, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MARTIN FL
Recording Date	Jul 21, 2026
Property Address	5483 SE HARBOR TER, STUART, FL 34997-2539
Document Number	0003196674
Book / Page	3580 / 640
Instrument Date	Jul 21, 2026
Instrument	20263196674
Transaction Type	Transfer
Record Updated	Aug 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jul 21, 2026
Property Address	5483 SE HARBOR TER, STUART, FL 34997-2539
Document Number	0003196675
Book / Page	3580 / 642
Instrument Date	Jul 16, 2026
Instrument	20263196675
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	MERIT TITLE INC, MERIT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$321,685.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003196676,
Date	Jul 21, 2026
Instrument	20263196676

Lender

Name	FLEXPOINT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5483 SE HARBOR TER, STUART, FL 34997-2539
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5483 SE HARBOR TER, STUART, FL 34997-2539

Mortgage

Document Number	0033871932
Date	Jul 24, 2023
Book Page	3387/1932
Instrument	3027650

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	842 Months
Due	Aug 31, 2093

Interest

Rate Type	Adjustable Rate
Rate	8.04%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	13%

Tax Assessment & Valuation

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	$2,361.00 Homeowner's exemption	$162,607 (+5.99%)	$361,580 (+1.62%) Land $225,000 Building $136,580
2024	$2,361.00 (+2.92%)
2023	$2,294.00 (+4.23%) Additional exemption filed	$153,423 (+3%)	$355,810 (+5.92%) Land $225,000 Building $130,810
2022	$2,201.00 Homeowner's exemption	$148,955	$335,920 Land $236,250 Building $99,670

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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

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 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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