5592 SE Reef Way, Stuart, FL 34997 Property Records

Martin County property record for 5592 SE Reef Way, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,210 sqft · built 2003
Lot Size	0.371 acres (16,161 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Sep 2021)
Tax Bill	$13,980 (2025)
Deeds & Mortgages	Sep 2021 Sale Apr 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-270-000-0020.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-270-000-0020.0-4-0000`
Alternative APNs	`48-38-41-270-000-00200-4` `39232`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,210 sqft Living Area
Gross Area	4,016 sqft
1st Floor Area	1,180 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,161 sqft (0.371 acres)
Garage Type	Attached
Garage Area	806 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	336 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	648 sqft
Deck Area	348 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	39232
Street Address	5592 SE REEF WAY
City	STUART
State	FL
Zip	34997-2504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS4
Legal Description	THE REEF LOT 20
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	THE REEF (AKA COLONY OF ROCKY POINT)
Legal Block	1
Legal Lot Number	20
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1008
Census Tract	1302

Owner

5592 SE Reef Way is owned by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	57 FREESTONE WAY, FORT MCMURRAY, AB T9H 5
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 7, 2021	Warranty Deed, Transfer ATTORNEY
Oct 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on File
Deed Sale	Sep 15, 2021 · Amount on File
Prior Sale	Apr 7, 2021 · Amount on File
Deed Document Number	20212914267
Deed Book / Page	3256 / 1786
Prior Transfer Date	Jul 16, 2008
Prior Transfer Doc	0023420603
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 15, 2021
Property Address	5592 SE REEF WAY, STUART, FL 34997-2504
Document Number	0032561786
Book / Page	3256 / 1786
Map Reference	MB 13 PG 28
Instrument Date	Sep 15, 2021
Instrument	2914267
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5592 SE REEF WAY, 5592, STUART, FL 34997-2504

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 7, 2021
Property Address	5592 SE REEF WAY, STUART, FL 34997-2504
Document Number	0032130976
Book / Page	3213 / 976
Map Reference	MB 13 PG 28
Instrument Date	Mar 31, 2021
Instrument	2879889
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$5,705.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 COBBLESTONE BRIDGE LN, 140, BANNER ELK, NC 28604-6547

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5592 SE REEF WAY, STUART, FL 34997-2504

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 6, 2017
Property Address	5592 SE REEF WAY, STUART, FL 34997-2504
Document Number	0029521663
Book / Page	002952 / 001663
Instrument Date	Sep 29, 2017
Instrument	2658569
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,745.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5592 SE REEF WAY STUART FL 349972504, STUART, FL 34997-2504

Tax Assessment & Valuation

The 2025 property tax bill for 5592 SE Reef Way was $13,980, down 4.5% 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	$13,980.00 (-4.5%)	$857,450 Land $225,000 Building $632,450	$857,450 Land $225,000 Building $632,450
2024	$14,639.00 (-0.26%)
2023	$14,677.00 (+11.69%)	$841,984 (+1%)	$878,660 (+14.79%) Land $225,000 Building $653,660
2022	$13,141.00	$765,440 Land $226,000 Building $539,440	$765,440 Land $226,000 Building $539,440

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

Flood

FEMA maps place 5592 SE Reef Way in Zone X, an area of minimal flood risk, within 500 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 500 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 5592 SE Reef Way is low, with a 0.01% annual chance of 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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