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5514 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5514 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,967 sqft · built 1980
Lot Size0.241 acres (10,498 sqft)
Owner2 Individual Names on Record
Last Sale$170,000 (Mar 2009)
Tax Bill$1,708 (2025)
Deeds & MortgagesNov 2025 Transfer
Dec 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN48-38-41-013-000-0020.0-6-0000

Property Details

APN / Parcel Number

Primary APN48-38-41-013-000-0020.0-6-0000
Alternative APNs
  • 48-38-41-013-000-00200-6
  • 38964

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories1 Story
Building Area1,967 sqft Living Area
Gross Area2,496 sqft
1st Floor Area1,967 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,498 sqft (0.241 acres)
Garage TypeAttached
Garage Area311 sqft
PorchScreened Concrete Masonry Porch
Porch Area583 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number38964
Street Address5514 SE HARBOR TER
CitySTUART
StateFL
Zip34997-2529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1B
Legal DescriptionST LUCIE INLET HARBOR AMENDED LOT 20 & 1/40 INT IN PRIVATE PARK
Legal Range41E
Legal Township38S
Legal Section48
Legal SubdivisionST LUCIE INLET HARBOR
Legal Block1
Legal Lot Number20,1
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1008
Census Tract1302

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 Record2 Individual Names on Record
Mailing Address5514 SE HARBOR TER, STUART, FL 34997-2529
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Nov 20, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Dec 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 17, 2009 · Amount on Record
Deed SaleMar 17, 2009 · Amount on Record
Prior SaleJun 16, 1998
Deed Document Number20092135679
Deed Book / Page2379 / 1234
Last Transfer DateNov 12, 2025
Transfer Doc0035332967
Record UpdatedOct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMARTIN FL
Recording DateNov 20, 2025
Property Address5514 SE HARBOR TER, STUART, FL 34997-2529
Document Number0035332967
Book / Page3533 / 2967
Instrument DateNov 12, 2025
Instrument3157372
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5514 SE HARBOR TER, STUART, FL 34997-2529

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address5514 SE HARBOR TER, STUART, FL 34997-2529

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address5514 SE HARBOR TER, STUART, FL 34997-2529
Transaction TypeMortgage
Record UpdatedJul 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5514 SE HARBOR TER, STUART, FL 34997-2529

Mortgage

Document Number0031851176
DateDec 30, 2020
Book Page3185/1176
Instrument2858551
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,708.00 (+0.41%) Homeowner's exemption$121,194 (+2.9%)$426,020 (-0.06%) Land $225,000 Building $201,020
2024$1,701.00 (+3.53%) Additional exemption filed$117,779 (+3%)$426,280 (+4.73%) Land $225,000 Building $201,280
2023$1,643.00 (+4.65%) Additional exemption filed$114,349 (+3%)$407,030 (+9.7%) Land $225,000 Building $182,030
2022$1,570.00 Homeowner's exemption$111,019$371,050 Land $236,250 Building $134,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 167 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies253 units insured
incl. 86 condo units
Nearby Flood Claims16 (1994–2025)
Claims Outside the SFHA6 of 16
Most Recent ClaimOct 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureIndirect
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 SystemMARTIN CO UTILITIES
serves 104,105 people · EPA ID FL4431891
Water SourceGroundwater
Last State InspectionMay 2025
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting17
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

ProviderMax 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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