6420 SE Harbor Cir, Stuart, FL 34996 Property Records

Martin County property record for 6420 SE Harbor Cir, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 7,229 sqft · built 1991
Lot Size	0.819 acres (35,676 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,500,000 (Oct 2020)
Tax Bill	$60,731 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-38-42-023-000-0008.0-1-0000`

Property Details

APN / Parcel Number

Primary APN	`08-38-42-023-000-0008.0-1-0000`
Alternative APNs	`08-38-42-023-000-00080-1` `838420230000008010000` `45987`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	7,229 sqft Living Area
Gross Area	8,240 sqft
1st Floor Area	5,665 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	35,676 sqft (0.819 acres)
View / Lot	Canal Front
Garage Type	Attached
Garage Area	945 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	720 sqft
Porch	Screened Concrete Masonry Porch
Porch Area	893 sqft
Deck Area	560 sqft
Patio Area	1,598 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45987
Street Address	6420 SE HARBOR CIR
City	STUART
State	FL
Zip	34996-1958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	SAILFISH POINT PLAT 20 SLY PORTION OF LOT 8 AS DESC IN OR 1139/1591 & ALL LOT 9
Legal Range	42E
Legal Township	38S
Legal Section	8
Legal Subdivision	SAILFISH POINT
Legal Block	1
Legal Lot Number	8,9
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1003
Census Tract	100

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	6420 SE HARBOR CIR, STUART, FL 34996-1958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Prior Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	20202843790
Deed Book / Page	3165 / 2461
Prior Transfer Date	Jul 27, 2012
Prior Transfer Doc	0025931191
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 15, 2020
Property Address	6420 SE HARBOR CIR, STUART, FL 34996-1958
Document Number	0031652461
Book / Page	3165 / 2461
Map Reference	MB 11 PG 38
Instrument Date	Oct 9, 2020
Instrument	2843790
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	726 EXCHANGE ST STE 412, 726, BUFFALO, NY 14210-1469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6420 SE HARBOR CIR, STUART, FL 34996-1958

Mortgage

Document Number	0031652464
Date	Oct 15, 2020
Instrument	3165/2464

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Nov 1, 2025
Change Frequency	10 Years
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	Other
Max Rate	7.37%

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	$60,731.00 (-1.09%) Homeowner's exemption	$3,818,242 (+5.99%)	$6,476,660 (+9.86%) Land $3,300,000 Building $3,176,660
2024	$61,400.00 (+1.39%)
2023	$60,556.00 (+3.86%) Additional exemption filed	$3,602,558 (+3.75%)	$5,895,470 (+20.75%) Land $2,640,000 Building $3,255,470
2022	$58,308.00 Homeowner's exemption	$3,472,397	$4,882,180 Land $2,640,000 Building $2,242,180

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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