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6945 SE Harbor Cir, Stuart, FL 34996 Property Records

Martin County property record for 6945 SE Harbor Cir, Stuart, FL 34996

Property Summary

Property TypeSingle Family Home
Details3 bd · 4.5 ba · 3,429 sqft · built 1988
Lot Size0.329 acres (14,331 sqft)
Owner2 Individual Names on File
Last Sale$1,925,000 (Apr 2024)
Tax Bill$25,111 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
Jun 2023 Sale
+ 3 more
Flood ZoneZone X (moderate risk)
APN08-38-42-014-000-0018.0-1-0000

Property Details

APN / Parcel Number

Primary APN08-38-42-014-000-0018.0-1-0000
Alternative APNs
  • 08-38-42-014-000-00180-1
  • 838420140000018010000
  • 45785

Interior

Bedrooms3 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories2 Stories
Building Area3,429 sqft Living Area
Gross Area4,116 sqft
1st Floor Area3,261 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1998
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area14,331 sqft (0.329 acres)
View / LotZero Lot Line
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchEnclosed Concrete/Masonry Porch
Porch Area244 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number45785
Street Address6945 SE HARBOR CIR
CitySTUART
StateFL
Zip34996-1966
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR
Legal DescriptionSAILFISH POINT PLAT NO 11 LOT 18
Legal Range42E
Legal Township38S
Legal Section8
Legal SubdivisionSAILFISH POINT
Legal Block1
Legal Lot Number18
JurisdictionMARTIN FL
Township / Civil DivisionSTUART
Census Block Group1
Census Block1002
Census Tract100

Owner

6945 SE Harbor Cir is owned by two individuals who bought it in April 2024.

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

Owner of Record2 Individual Names on File
Mailing Address1317 VALLEY RD, VILLANOVA, PA 19085-2125
Owner TypeIndividual
VestingHusband and Wife

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

Deeds, Mortgages & Sale History

DateDocument
Apr 26, 2024Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Jun 21, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 10, 2021Warranty Deed, Transfer
FREEDOM LAND TITLE AGENCY INC, FREEDOM LAND TITLE AGCY LLC
Oct 30, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Nov 20, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 26, 2024 · Amount on File
Deed SaleApr 26, 2024 · Amount on File
Prior SaleJun 21, 2023 · Amount on File
Deed Document Number20243069761
Deed Book / Page3433 / 2200
Prior Transfer DateOct 3, 2019
Prior Transfer Doc0030911908
Record UpdatedOct 29, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateApr 26, 2024
Property Address6945 SE HARBOR CIR, STUART, FL 34996-1966
Document Number0034332200
Book / Page3433 / 2200
Map ReferenceMB 9 PG 74
Instrument DateApr 23, 2024
Instrument3069761
Transaction TypeTransfer
Record UpdatedMay 22, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$13,475.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1401 BAILEY HILL DR, RALEIGH, NC 27614-9704

Transferred To (Grantee/Buyer)

NameVerified Name
Address1317 VALLEY RD, VILLANOVA, PA 19085-2125

Mortgage

Document Number0003069762
DateApr 26, 2024
Instrument3069762
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2054
Interest
Rate TypeAdjustable Rate
Rate6.87%
Type Change DateMay 1, 2034
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change11.8%
IndexSOFR Average 30-Day
Max Rate11.8%

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateJun 21, 2023
Property Address6945 SE HARBOR CIR, STUART, FL 34996-1966
Document Number0033812244
Book / Page3381 / 2244
Map ReferenceMB 9 PG 74
Instrument DateJun 16, 2023
Instrument3022497
Transaction TypeTransfer
Record UpdatedJul 17, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$12,075.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 190, EAST NORTHPORT, NY 11731-0190

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1401 BAILEY HILL DR, RALEIGH, NC 27614-9704

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateNov 10, 2021
Property Address6945 SE HARBOR CIR, STUART, FL 34996-1966
Document Number0032710374
Book / Page3271 / 374
Map ReferenceMB 9 PG 74
Instrument DateNov 2, 2021
Instrument2925579
Transaction TypeTransfer
Record UpdatedNov 25, 2021
Title CompanyFREEDOM LAND TITLE AGENCY INC, FREEDOM LAND TITLE AGCY LLC

Transaction

AmountAmount on Record
Tax$4,900.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6945 SE HARBOR CIR, STUART, FL 34996-1966

October 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMARTIN FL
Recording DateOct 30, 2019
Property Address6945 SE HARBOR CIR, STUART, FL 34996-1966
Document Number0030911908
Book / Page003091 / 001908
Instrument DateOct 3, 2019
Instrument2782421
Transaction TypeTransfer
Record UpdatedNov 15, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$3,325.00
Amount AccuracyConfirmed
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address6945 SE HARBOR CIR STUART FL 349961966, STUART, FL 34996-1966

November 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMARTIN FL
Recording DateNov 20, 2018
Property Address6945 SE HARBOR CIR, STUART, FL 34996-1966
Document Number0030272969
Book / Page003027 / 002969
Instrument DateAug 7, 2018
Instrument2726465
Transaction TypeTransfer
Record UpdatedDec 24, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5 WHITE HILL RD COLD SPRING HARBOR NY 117241205, COLD SPRING HARBOR, NY 11724-1205

Tax Assessment & Valuation

The 2025 property tax bill for 6945 SE Harbor Cir was $25,111, up 0.7% from the year before.

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMartin County
Unified School DistrictMartin County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$25,111.00 (+0.71%)$1,544,150 Land $875,000 Building $669,150$1,544,150 Land $875,000 Building $669,150
2024$24,935.00 (+27.49%)
2023$19,558.00 (+22.45%)$943,449 (+1%)$1,483,030 (+42.56%) Land $800,000 Building $683,030
2022$15,972.00$857,681$1,040,280 Land $500,000 Building $540,280

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 6945 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 390 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1,299 units insured
incl. 909 condo units
Nearby Flood Claims70 (1984–2023)
Claims Outside the SFHA6 of 70
Most Recent ClaimDec 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 6945 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemSAILFISH POINT
private · serves 1,145 people · EPA ID FL4434000
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

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

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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

ProviderMax 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

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