595 SW Harbor St, Stuart, FL 34997 Property Records

Martin County property record for 595 SW Harbor St, Stuart, FL 34997

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,719 sqft · built 1999
Lot Size	0.345 acres (15,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Apr 2020)
Tax Bill	$7,670 (2025)
Deeds & Mortgages	Mar 2026 Transfer Sep 2025 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`55-38-41-007-000-0034.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`55-38-41-007-000-0034.0-0-0000`
Alternative APNs	`55-38-41-007-000-00340-0` `44413`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,839 sqft Living Area
Gross Area	4,007 sqft
1st Floor Area	2,055 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Other
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,028 sqft (0.345 acres)
View / Lot	Interior
Garage Type	Attached
Garage Area	952 sqft
Parking Spaces	4 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	336 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	44413
Street Address	595 SW HARBOR ST
City	STUART
State	FL
Zip	34997-6225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HR1
Legal Description	HARBOR ESTATES SEC 2 LOT 34
Legal Range	41E
Legal Township	38S
Legal Section	55
Legal Subdivision	HARBOR ESTATES
Legal Block	1
Legal Lot Number	34
Jurisdiction	MARTIN FL
Township / Civil Division	PORT SALERNO-HOBE SOUND
Census Block Group	1
Census Block	1000
Census Tract	1103

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	595 SW HARBOR ST, STUART, FL 34997-6225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 25, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jul 26, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
May 14, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 20, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 8, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Nov 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	Nov 28, 2018 · Amount on Record
Deed Document Number	20202809165
Deed Book / Page	3122 / 1418
Last Transfer Date	Mar 23, 2026
Transfer Doc	0035570973
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARTIN FL
Recording Date	Mar 31, 2026
Property Address	595 SW HARBOR ST, STUART, FL 34997-6225
Document Number	0035570973
Book / Page	3557 / 973
Map Reference	MB 3 PG 65
Instrument Date	Mar 23, 2026
Instrument	3177715
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	595 SW HARBOR ST, STUART, FL 34997-6225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 SW HARBOR ST, STUART, FL 34997-6225

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	595 SW HARBOR ST, STUART, FL 34997-6225
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 SW HARBOR ST, STUART, FL 34997-6225

Mortgage

Document Number	0035231330
Date	Sep 25, 2025
Book Page	3523/1330
Instrument	3148861

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	TEMPE, AZ 85288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	595 SW HARBOR ST, STUART, FL 34997-6225
Transaction Type	Mortgage
Record Updated	Feb 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 SW HARBOR ST, STUART, FL 34997-6225

Mortgage

Document Number	0033261797
Date	Jul 26, 2022
Book Page	3326/1797
Instrument	2972367

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	595 SW HARBOR ST, STUART, FL 34997-6225
Transaction Type	Mortgage
Record Updated	Jun 18, 2021
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 SW HARBOR ST, STUART, FL 34997-6225

Mortgage

Document Number	0032241490
Date	May 14, 2021
Book Page	3224/1490
Instrument	2888793

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	595 SW HARBOR ST, STUART, FL 34997-6225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029080478
Date	Feb 20, 2017
Book Page	02908/0478
Instrument	2620561

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Apr 8, 2020
Property Address	595 SW HARBOR ST, STUART, FL 34997-6225
Document Number	0031221418
Book / Page	003122 / 001418
Instrument Date	Mar 27, 2020
Instrument	2809165
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 SW HARBOR ST STUART FL 349976225, STUART, FL 34997-6225

Mortgage

Document Number	31221420
Date	Apr 8, 2020
Book Page	003122/001420
Instrument	2809166

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Nov 28, 2018
Property Address	595 SW HARBOR ST, STUART, FL 34997-6225
Document Number	0030282362
Book / Page	003028 / 002362
Instrument Date	Nov 28, 2018
Instrument	2727192
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,905.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 292 STUART FL 349950292, STUART, FL 34995-0292

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	$7,670.00 (+8.03%) Homeowner's exemption	$458,962 (+5.99%)	$651,160 (+8.16%) Land $250,000 Building $401,160
2024	$7,100.00 (+1.89%)
2023	$6,968.00 (+3.51%) Additional exemption filed	$433,037 (+3%)	$602,050 (+15.15%) Land $240,000 Building $362,050
2022	$6,732.00 Homeowner's exemption	$420,425	$522,860 Land $190,400 Building $332,460

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 186 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	218 units insured incl. 32 condo units
Nearby Flood Claims	170 (1979–2025)
Claims Outside the SFHA	25 of 170
Most Recent Claim	Oct 2025 · other causes
Claims by Event	Hurricane Frances, Sep 2004 · 75 claims Hurricane Irene, Oct 1999 · 18 claims Severe Flooding, Oct 1995 · 47 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 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

595 SW Harbor St, Stuart, FL 34997 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2026: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on SW Harbor St

Nearby Streets

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