5494 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5494 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,787 sqft · built 1980
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Company Names on Record
Last Sale	$281,500 (Nov 2013)
Tax Bill	$2,917 (2025)
Deeds & Mortgages	Dec 2022 Transfer Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-013-000-0018.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-013-000-0018.0-0-0000`
Alternative APNs	`48-38-41-013-000-00180-0` `38962`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,787 sqft Living Area
Gross Area	2,615 sqft
1st Floor Area	1,787 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
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	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	375 sqft
Porch	Screened Concrete Masonry Porch
Porch Area	370 sqft
Deck Area	152 sqft
Patio Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38962
Street Address	5494 SE HARBOR TER
City	STUART
State	FL
Zip	34997-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	ST LUCIE INLET HARBOR AMENDED LOT 18 & 1/40 INT IN PRIVATE PARK & 1/36 INT IN PIER AT PRIVATE PARK
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	ST LUCIE INLET HARBOR
Legal Block	1
Legal Lot Number	18,1
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	2 Company Names on Record
Mailing Address	5494 SE HARBOR TER, STUART, FL 34997-2537
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Intrafamily Transfer, Transfer ATTORNEY
Nov 22, 2022	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2013 · Amount on Record
Deed Sale	Nov 8, 2013 · Amount on Record
Prior Sale	Jul 9, 2008 · Amount on Record
Deed Document Number	20132425665
Deed Book / Page	2686 / 2405
Last Transfer Date	Dec 5, 2022
Transfer Doc	0033490124
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Dec 6, 2022
Property Address	5494 SE HARBOR TER, STUART, FL 34997-2537
Document Number	0033490124
Book / Page	3349 / 124
Map Reference	MB 163 PG 166
Instrument Date	Dec 5, 2022
Instrument	2992312
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5494 SE HARBOR TER, STUART, FL 34997-2537

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5494 SE HARBOR TER, STUART, FL 34997-2537

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Nov 22, 2022
Property Address	5494 SE HARBOR TER, STUART, FL 34997-2537
Document Number	0033471153
Book / Page	3347 / 1153
Map Reference	MB 4 PG 30
Instrument Date	Nov 21, 2022
Instrument	2990743
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5494 SE HARBOR TER, STUART, FL 34997-2537

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5494 SE HARBOR TER, STUART, FL 34997-2537

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	$2,917.00 (-0.24%) Homeowner's exemption	$197,896 (+5.99%)	$443,870 (+3.91%) Land $260,000 Building $183,870
2024	$2,924.00 (+2.63%)
2023	$2,849.00 (+4.02%) Additional exemption filed	$186,718 (+3%)	$427,150 (+7.5%) Land $260,000 Building $167,150
2022	$2,739.00 Homeowner's exemption	$181,280	$397,340 Land $271,250 Building $126,090

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

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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