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5544 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5544 SE Harbor Ter, Stuart, FL 34997 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,637 sqft · built 1966
Lot Size0.362 acres (15,769 sqft)
Owner2 Individual Names on File
Tax Bill$3,783 (2024)
Deeds & MortgagesMay 2021 Mortgage
Sep 2022 Transfer
Flood ZoneZone X (minimal risk)
APN48-38-41-013-000-00240-8

Property Details

APN / Parcel Number

Primary APN48-38-41-013-000-00240-8
Alternative APN
  • 38968

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area2,637 sqft Living Area
1st Floor Area1,132 sqft
2nd Floor Area1,363 sqft
Interior WallsWallboard/Drywall
ElevatorElevator

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1980
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area15,769 sqft (0.362 acres)
Garage TypeAttached
Garage Area500 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area450 sqft
PorchPorch
Porch Area310 sqft
Deck Area96 sqft
Patio Area344 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number38968
Street Address5544 SE HARBOR TER
CitySTUART
StateFL
Zip34997-2529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST LUCIE INLET HARBOR AMENDED LOT 24 & W1/2 OF LOT 26 & 3/80 INT IN PRIVATE PARK
Legal Range41E
Legal Township38S
Legal Section48
Legal SubdivisionST LUCIE INLET HARBOR
Legal Lot Number24
JurisdictionMARTIN FL
Township / Civil DivisionPORT SALERNO-HOBE SOUND
Census Block Group1
Census Block1008
Census Tract1302

Owner

Source: Martin County records · APN 48-38-41-013-000-00240-8

Assessment roll updated July 1, 2025 · Last verified January 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 File
Co-ownerVerified Secondary Owner
Mailing Address5544 SE HARBOR TER, STUART, FL 34997-2529
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Sep 16, 2022Correction Deed
CLARION TITLE COMPANY INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 16, 2022
Deed SaleSep 16, 2022
Prior SaleJul 28, 1999 · Amount on Record
Deed Document Number0003336920
Deed Book / Page02676 / 1336
Prior Transfer DateSep 16, 2013
Prior Transfer Doc2416633
Record UpdatedJun 08, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMARTIN FL
Property Address5544 SE HARBOR TER, STUART, FL 34997-2529
Transaction TypeMortgage
Record UpdatedJun 18, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address5544 SE HARBOR TER, STUART, FL 34997-2529

Mortgage

Document Number0032241092
DateMay 14, 2021
Book Page3224/1092
Instrument2888684
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

September 2022: Correction Deed

Document TypeCorrection Deed
JurisdictionMARTIN FL
Recording DateSep 16, 2022
Property Address5544 SE HARBOR TER, STUART, FL 34997-2529
Document Number0033360920
Book / Page3336 / 920
Map ReferenceMB 4 PG 30
Instrument DateSep 10, 2013
Instrument2980914
Record UpdatedOct 07, 2022
Title CompanyCLARION TITLE COMPANY INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5544 SE HARBOR TER, STUART, FL 34997-2529

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$251,784 (+5.99%)$496,880 (+4.6%) Land $258,750 Building $238,130
2024$3,783.00 (+2.33%)
2023$3,697.00 (+3.85%) Additional exemption filed$237,563 (+3%)$475,050 (+9.34%) Land $258,750 Building $216,300
2022$3,560.00 Homeowner's exemption$230,644$434,480 Land $271,690 Building $162,790

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120850013021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 167 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies253 units insured (86 under condo master policies)
142 of 167 individual policies on primary residences
Nearby Flood Claims16 (1994–2025)
Claims Outside the SFHA6 of 16
Most Recent ClaimOct 2025, rainfall accumulation
Flood Events
  • Hurricane Frances (Sep 2004), 5 claims
  • Severe Flooding (Oct 1995), 3 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 7% of Florida
Wildfire LikelihoodAbout 1 in 9,091 per year
ExposureIndirect
within ember reach

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.

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