5574 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5574 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,198 sqft · built 1972
Lot Size	0.362 acres (15,769 sqft)
Owner	Individual Name on Record
Last Sale	$447,000 (May 2006)
Tax Bill	$6,388 (2025)
Deeds & Mortgages	May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-013-000-0026.0-3-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-013-000-0026.0-3-0000`
Alternative APNs	`48-38-41-013-000-00260-3` `38970`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,198 sqft Living Area
Gross Area	1,936 sqft
1st Floor Area	1,198 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,769 sqft (0.362 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	375 sqft
Porch	Enclosed Concrete/Masonry Porch
Porch Area	356 sqft
Deck Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38970
Street Address	5574 SE HARBOR TER
City	STUART
State	FL
Zip	34997-2529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	ST LUCIE INLET HARBOR AMENDED E1/2 OF LOT 26 ALL LOT 28 & 3/80 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	26
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	4765 N US 1, MELBOURNE, FL 32935
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2006 · Amount on Record
Deed Sale	May 11, 2006 · Amount on Record
Prior Sale	Sep 17, 1987 · Amount on Record
Deed Document Number	20061932246
Deed Book / Page	2142 / 166
Prior Transfer Date	Mar 1, 2004
Prior Transfer Doc	0001739238
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5574 SE HARBOR TER, STUART, FL 34997-2529
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8045 N WICKHAM RD, MELBOURNE, FL 32940-7920

Mortgage

Document Number	0033731862
Date	May 8, 2023
Book Page	3373/1862
Instrument	3015155

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 7, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,388.00 (+1.78%)	$362,169 (+21%)	$403,750 (+3.37%) Land $258,750 Building $145,000
2024	$6,276.00 (+5.41%)
2023	$5,954.00 (+7.61%)	$299,314 (+1%)	$390,580 (+4.86%) Land $258,750 Building $131,830
2022	$5,533.00	$272,104	$372,470 Land $271,690 Building $100,780

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
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

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.

Nearby Properties on SE Harbor Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures