6400 SE Harbor Cir, Stuart, FL 34996 Property Records

Martin County property record for 6400 SE Harbor Cir, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 7,556 sqft · built 1996
Lot Size	1.02 acres (44,823 sqft)
Owner	Trust Name on Record
Last Sale	$6,300,000 (May 2017)
Tax Bill	$106,001 (2023)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-38-42-023-000-00070-3`

Property Details

APN / Parcel Number

Primary APN	`08-38-42-023-000-00070-3`
Alternative APNs	`838420230000007030000` `45985`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	7,556 sqft Living Area
1st Floor Area	4,880 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Masonite/Cement Shake
Lot Area	44,823 sqft (1.02 acres)
Garage Type	Attached
Garage Area	1,286 sqft
Parking Spaces	5 Parking Spaces
Pool Area	512 sqft
Porch	Porch
Porch Area	1,523 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45985
Old Parcel Number	838420230000007030000
Street Address	6400 SE HARBOR CIR
City	STUART
State	FL
Zip	34996-1958
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAILFISH POINT PLAT 20 LOTS 7 & 8 LESS NLY PORTION OF LOT 7 PER OR 1139/1588 & LESS SLY PORTION OF LOT 8 OR 1139/1593 .. &
Legal Range	42E
Legal Township	38S
Legal Section	08
Legal Subdivision	SAILFISH POINT
Legal Lot Number	7 8
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1003
Census Tract	100

Owner

Source: Martin County records, as of December 24, 2025

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

Owner of Record	Trust Name on Record
Mailing Address	PO BOX 436317, LOUISVILLE, KY 40253-6317
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2017 · Amount on Record
Deed Sale	May 18, 2017 · Amount on Record
Prior Sale	Jun 29, 2004 · Amount on Record
Deed Document Number	0002926787
Deed Book / Page	2926 / 787
Record Updated	Jun 8, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	May 18, 2017
Property Address	6400 SE HARBOR CIR, STUART, FL 34996-1958
Document Number	0029260787
Book / Page	002926 / 000787
Instrument Date	May 10, 2017
Instrument	2636121
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3514 HEDGEWICK PL LOUISVILLE KY 402458497, LOUISVILLE, KY 40245-8497

Mortgage

Document Number	29260790
Date	May 18, 2017
Book Page	002926/000790
Instrument	2636122

Lender

Name	STOCKYARD BK&TR
Type	Bank
Address	1040 E MAIN ST, LOUISVILLE, KY 40206-1856

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 17, 2027

Tax Assessment & Valuation

Source: Martin County assessment roll, as of July 1, 2025

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		$6,908,603 (+21%)	$8,100,080 (+11.68%) Land $4,375,000 Building $3,725,080
2023	$106,001.00 (+11.88%)	$5,709,590 (+1%)	$7,252,740 (+14.8%) Land $3,437,500 Building $3,815,240
2022	$94,747.00	$5,190,537	$6,317,910 Land $3,125,000 Building $3,192,910

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 390 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,299 units insured incl. 909 condo units
Nearby Flood Claims	70 (1984–2023)
Claims Outside the SFHA	6 of 70
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Oct 2004 · 44 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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	SAILFISH POINT private · serves 1,145 people · EPA ID FL4434000
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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