6938 SE Harbor Cir, Stuart, FL 34996 Property Records

Martin County property record for 6938 SE Harbor Cir, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,399 sqft · built 1989
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on File
Last Sale	$1,700,000 (Apr 2013)
Tax Bill	$27,665 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`08-38-42-017-000-0008.0-9-0000`

Property Details

APN / Parcel Number

Primary APN	`08-38-42-017-000-0008.0-9-0000`
Alternative APNs	`08-38-42-017-000-00080-9` `838420170000008090000` `45804`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,399 sqft Living Area
Gross Area	5,070 sqft
1st Floor Area	3,633 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	49,223 sqft
Garage Type	Attached
Garage Area	671 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	720 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	376 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	45804
Street Address	6938 SE HARBOR CIR
City	STUART
State	FL
Zip	34996-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	SAILFISH POINT PLAT NO 14 LOTS 8 & 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

6938 SE Harbor Cir is owned and occupied by two individuals who bought it in April 2013.

Source: Martin County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	6938 SE HARBOR CIR, STUART, FL 34996-1915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2013 · Amount on File
Deed Sale	Apr 8, 2013 · Amount on File
Prior Sale	Apr 2, 2012 · Amount on File
Deed Document Number	20132387307
Deed Book / Page	2642 / 849
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6938 SE HARBOR CIR, STUART, FL 34996-1915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6938 SE HARBOR CIR, STUART, FL 34996-1915

Mortgage

Document Number	0029272557
Date	May 26, 2017
Book Page	02927/2557

Lender

Name	SUNTRUST BANK
Type	Bank
Address	NASHVILLE, TN 37230

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 6938 SE Harbor Cir was $27,665 with a homeowner's exemption, down 1% from the year before.

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	$27,665.00 (-1.03%) Additional exemption filed	$1,746,546	$3,093,920 Land $2,082,500 Building $1,011,420
2024	$27,954.00 (+1.46%)
2023	$27,551.00 (+3.15%) Additional exemption filed	$1,647,888 (+3%)	$3,060,900 (+4.89%) Land $2,023,000 Building $1,037,900
2022	$26,710.00 Homeowner's exemption	$1,599,892	$2,918,210 Land $1,963,500 Building $954,710

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6938 SE Harbor Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6938 SE Harbor Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20