5654 SE Harbor Ter, Stuart, FL 34997 Property Records

Martin County property record for 5654 SE Harbor Ter, Stuart, FL 34997 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 5.5 ba · 3,861 sqft · built 1965
Lot Size	0.428 acres (18,644 sqft)
Owner	Company Name on File
Last Sale	$608,400 (Jul 2010)
Tax Bill	$9,665 (2024)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-38-41-013-000-0036.1-1-0000`

Property Details

APN / Parcel Number

Primary APN	`48-38-41-013-000-0036.1-1-0000`
Alternative APNs	`48-38-41-013-000-00361-1` `38979`

Interior

Bedrooms	3 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,861 sqft Living Area
Gross Area	4,365 sqft
1st Floor Area	3,153 sqft
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	18,644 sqft (0.428 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	504 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,158 sqft
Deck Area	320 sqft
Patio Area	356 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5654 SE HARBOR TER
City	STUART
State	FL
Zip	34997-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST LUCIE INLET HARBOR AMENDED N1/2 OF LOT 36 (LESS W 81) & 1/40 INT IN PRIVATE PARK DOCK SPACE #12
Legal Range	41E
Legal Township	38S
Legal Section	48
Legal Subdivision	ST LUCIE INLET HARBOR
Legal Block	1
Legal Lot Number	36
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 · APN 48-38-41-013-000-0036.1-1-0000

Assessment roll updated August 27, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5654 SE HARBOR TER, STUART, FL 34997-2538
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 14, 2010 · Amount on Record
Deed Sale	Jul 14, 2010 · Amount on Record
Prior Sale	Jan 22, 2009 · Amount on Record
Deed Document Number	20102221866
Deed Book / Page	2465 / 379
Last Transfer Date	Dec 30, 2014
Transfer Doc	0027591046
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	5654 SE HARBOR TER, STUART, FL 34997-2538
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5654 SE HARBOR TER, STUART, FL 34997-2538

Mortgage

Document Number	0031482640
Date	Aug 07, 2020
Book Page	3148/2640
Instrument	2830611

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2035

Tax Assessment & Valuation

Source: Martin County records · Assessment roll updated August 27, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$620,487 (+5.99%)	$1,532,380 (+15.35%) Land $637,500 Building $894,880
2024	$9,665.00 (+1.77%)
2023	$9,497.00 (+3.45%) Additional exemption filed	$585,437 (+3%)	$1,328,440 (+25.12%) Land $467,500 Building $860,940
2022	$9,180.00 Homeowner's exemption	$568,386	$1,061,700 Land $425,000 Building $636,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Martin County (12085C), updated April 14, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 6% of the US · above 5% of Florida
Wildfire Likelihood	About 1 in 7,143 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.