5591 SE Reef Way, Stuart, FL 34997 Property Records

Martin County property record for 5591 SE Reef Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,208 sqft · built 1999
Lot Size	0.903 acres (39,335 sqft)
Owner	2 Individual Names on File
Last Sale	$1,800,000 (Oct 2020)
Tax Bill	$26,989 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-270-000-0013.0-9-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-270-000-0013.0-9-0000`
Alternative APNs	`48-38-41-270-000-00130-9` `39225`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,208 sqft Living Area
Gross Area	6,499 sqft
1st Floor Area	3,429 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	39,335 sqft (0.903 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	2,291 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	1,442 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39225
Street Address	5591 SE REEF WAY
City	STUART
State	FL
Zip	34997-2560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS3
Legal Description	THE REEF LOT 13
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE REEF (AKA COLONY OF ROCKY POINT)
Legal Block	1
Legal Lot Number	13
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

Owner

5591 SE Reef Way is owned and occupied by two individuals who bought it in October 2020.

Source: Martin County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5591 SE REEF WAY, STUART, FL 34997-2560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Prior Sale	May 21, 1996 · Amount on File
Deed Document Number	20202846583
Deed Book / Page	3169 / 245
Record Updated	Oct 29, 2026

October 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 28, 2020
Property Address	5591 SE REEF WAY, STUART, FL 34997-2560
Document Number	0031690245
Book / Page	3169 / 245
Map Reference	MB 13 PG 28
Instrument Date	Oct 28, 2020
Instrument	2846583
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	624 SE CENTRAL PKWY, 624, STUART, FL 34994-3970

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5591 SE REEF WAY, STUART, FL 34997-2560

Mortgage

Document Number	0003169247
Date	Oct 28, 2020
Instrument	3169/247

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5591 SE Reef Way was $26,989 with a homeowner's exemption, down 1.1% from the year before.

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	$26,989.00 (-1.07%) Additional exemption filed	$1,725,039	$2,959,960 Land $1,425,000 Building $1,534,960
2024	$27,281.00 (+11.31%)
2023	$24,509.00 (+3.31%) Additional exemption filed	$1,485,829 (+3%)	$2,375,430 (+23.01%) Land $1,045,000 Building $1,330,430
2022	$23,724.00 Homeowner's exemption	$1,442,553	$1,931,100 Land $950,000 Building $981,100

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

Flood

FEMA maps place 5591 SE Reef Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5591 SE Reef Way is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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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