5634 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5634 SE Harbor Ter, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 1986
Lot Size	0.255 acres (11,108 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Mar 2020)
Tax Bill	$5,153 (2025)
Deeds & Mortgages	Sep 2022 Transfer Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-013-000-0036.0-2-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-013-000-0036.0-2-0000`
Alternative APNs	`48-38-41-013-000-00360-2` `38978`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	900 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,108 sqft (0.255 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	1,224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	38978
Street Address	5634 SE HARBOR TER
City	STUART
State	FL
Zip	34997-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Description	ST LUCIE INLET HARBOR AMENDED W 81 OF LOT 36 & 1/40 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	36,1
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	2 Individual Names on Record
Mailing Address	5634 SE HARBOR TER, STUART, FL 34997-2538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Quit Claim Deed, Transfer OCEAN VIEW TITLE AND ESCROW LLC, OCEAN VIEW TITLE & ESCROW
Aug 20, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 12, 2020	Warranty Deed, Transfer · Conventional with PMI MORTGAGE ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2020 · Amount on Record
Deed Sale	Mar 12, 2020 · Amount on Record
Prior Sale	Sep 24, 2014 · Amount on Record
Deed Document Number	20202804914
Deed Book / Page	3117 / 209
Last Transfer Date	Sep 19, 2022
Transfer Doc	0033370667
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARTIN FL
Recording Date	Sep 21, 2022
Property Address	5634 SE HARBOR TER, STUART, FL 34997-2538
Document Number	0033370667
Book / Page	3337 / 667
Map Reference	MB 4 PG 30
Instrument Date	Sep 19, 2022
Instrument	2981712
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	OCEAN VIEW TITLE AND ESCROW LLC, OCEAN VIEW TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5634 SE HARBOR TER, STUART, FL 34997-2538

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5634 SE HARBOR TER, STUART, FL 34997-2538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029440761
Date	Aug 20, 2017
Book Page	02944/0761
Instrument	2651627

Lender

Name	PNC BANK NA
Type	Bank
Address	NORTH PALM BEACH, FL 33408

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Aug 18, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 12, 2020
Property Address	5634 SE HARBOR TER, STUART, FL 34997-2538
Document Number	0031170209
Book / Page	003117 / 000209
Instrument Date	Mar 10, 2020
Instrument	2804914
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	OCEAN VIEW TITLE AND ESCROW LLC, OCEAN VIEW TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5634 SE HARBOR TER STUART FL 349972538, STUART, FL 34997-2538

Mortgage

Document Number	31170211
Date	Mar 12, 2020
Book Page	003117/000211
Instrument	2804915

Lender

Name	MORTGAGE ADVISORS
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2050

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	$5,153.00 (-0.66%) Homeowner's exemption	$339,738 (+5.99%)	$588,720 (+2.72%) Land $225,000 Building $363,720
2024	$5,187.00 (+2.11%)
2023	$5,080.00 (+3.65%) Additional exemption filed	$320,548 (+3%)	$573,130 (+13.68%) Land $225,000 Building $348,130
2022	$4,901.00 Homeowner's exemption	$311,212	$504,170 Land $236,250 Building $267,920

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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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