5496 SE Reef Way, Stuart, FL 34997 Property Records

Martin County property record for 5496 SE Reef Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,781 sqft · built 1996
Lot Size	0.383 acres (16,683 sqft)
Owner	2 Company Names on Record
Last Sale	$785,000 (Nov 2025)
Tax Bill	$5,932 (2025)
Deeds & Mortgages	Nov 2025 Sale Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-270-000-0021.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-270-000-0021.0-2-0000`
Alternative APNs	`48-38-41-270-000-00210-2` `39233`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,781 sqft Living Area
Gross Area	3,287 sqft
1st Floor Area	2,781 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	16,683 sqft (0.383 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	546 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39233
Street Address	5496 SE REEF WAY
City	STUART
State	FL
Zip	34997-2557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS4
Legal Description	THE REEF LOT 21
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE REEF (AKA COLONY OF ROCKY POINT)
Legal Block	1
Legal Lot Number	21
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	5496 SE REEF WAY, STUART, FL 34997-2557
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 24, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Jan 27, 2012 · Amount on Record
Deed Document Number	20253157161
Deed Book / Page	3533 / 2071
Prior Transfer Date	Jun 20, 2022
Prior Transfer Doc	0033211290
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 19, 2025
Property Address	5496 SE REEF WAY, STUART, FL 34997-2557
Document Number	0035332071
Book / Page	3533 / 2071
Map Reference	MB 13 PG 28
Instrument Date	Nov 19, 2025
Instrument	3157161
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$5,495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13133 S 178TH AVE, GOODYEAR, AZ 85338-5360

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5496 SE REEF WAY, STUART, FL 34997-2557

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Jun 24, 2022
Property Address	5496 SE REEF WAY, STUART, FL 34997-2557
Document Number	0033211290
Book / Page	3321 / 1290
Map Reference	MB 13 PG 28
Instrument Date	Jun 20, 2022
Instrument	2967552
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5496 SE REEF WAY, STUART, FL 34997-2557

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	$5,932.00 (-0.72%) Homeowner's exemption	$389,157 (+2.9%)	$690,690 (-0.89%) Land $225,000 Building $465,690
2024	$5,975.00 (+2%) Additional exemption filed	$378,190 (+3%)	$696,900 (-0.88%) Land $225,000 Building $471,900
2023	$5,858.00 (+3.61%) Additional exemption filed	$367,175 (+3%)	$703,100 (+12.08%) Land $225,000 Building $478,100
2022	$5,654.00 Homeowner's exemption	$356,481	$627,320 Land $226,000 Building $401,320

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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
Adjoins Burnable Land	Yes

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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