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6978 SE Harbor Cir, Stuart, FL 34996 Property Records

Martin County property record for 6978 SE Harbor Cir, Stuart, FL 34996

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 5,899 sqft · built 2005
Lot Size0.415 acres (18,077 sqft)
Owner2 Company Names on File
Last Sale$3,660,000 (Feb 2021)
Tax Bill$60,943 (2025)
Deeds & MortgagesOct 2023 Transfer
Jun 2022 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN17-38-42-001-000-0015.0-3-0000

Property Details

APN / Parcel Number

Primary APN17-38-42-001-000-0015.0-3-0000
Alternative APNs
  • 17-38-42-001-000-00150-3
  • 46138

Interior

Bedrooms4 Beds
Full Baths5 Baths
Half Baths2 Half Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area5,899 sqft Living Area
Gross Area6,787 sqft
1st Floor Area4,262 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace
ElevatorElevator

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialStucco
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area18,077 sqft (0.415 acres)
Garage TypeAttached
Garage Area888 sqft
Parking Spaces4 Parking Spaces
Pool TypeIn-Ground Pool
PorchOpen Concrete/Masonry Porch
Porch Area965 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number46138
Street Address6978 SE HARBOR CIR
CitySTUART
StateFL
Zip34996-1915
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUDR
Legal DescriptionSAILFISH POINT PLAT 15 LOT 15
Legal Range42E
Legal Township38S
Legal Section17
Legal SubdivisionSAILFISH POINT
Legal Block1
Legal Lot Number15
JurisdictionMARTIN FL
Township / Civil DivisionSTUART
Census Block Group1
Census Block1004
Census Tract100

Owner

6978 SE Harbor Cir is owned by a company that acquired it in May 2022 and is owner-occupied.

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

Owner of Record2 Company Names on File
Mailing Address2900 SE DUNE DR, 435, STUART, FL 34996-1991
OccupancyOwner Occupied
Owner TypeCompany
VestingLife Tenant

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
Oct 23, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jun 14, 2022Intrafamily Transfer, Transfer
ACCOMMODATION
Feb 23, 2021Warranty Deed, Transfer · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA
Jun 29, 2020Warranty Deed, Transfer · Conventional Mortgage
FIRST CITIZENS BANK & TRUST CO
Jun 25, 2017Warranty Deed, Transfer
CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 23, 2021 · Amount on File
Deed SaleFeb 23, 2021 · Amount on File
Prior SaleJun 29, 2020 · Amount on File
Deed Document Number20212869869
Deed Book / Page3199 / 2913
Last Transfer DateMay 25, 2022
Transfer Doc0033190966
Record UpdatedOct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMARTIN FL
Recording DateOct 23, 2023
Property Address6978 SE HARBOR CIR, STUART, FL 34996-1915
Document Number0034022622
Book / Page3402 / 2622
Map ReferenceMB 863 PG 1856
Instrument DateOct 10, 2023
Instrument3041380
Transaction TypeTransfer
Record UpdatedNov 9, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2900 SE DUNE DR APT 435, 435, STUART, FL 34996-1991

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address2900 SE DUNE DR, STUART, FL 34996-1991

June 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMARTIN FL
Recording DateJun 14, 2022
Property Address6978 SE HARBOR CIR, STUART, FL 34996-1915
Document Number0033190966
Book / Page3319 / 966
Map ReferenceMB 10 PG 43
Instrument DateMay 25, 2022
Instrument2965715
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address87 HARBOR AVE, 87, MARBLEHEAD, MA 01945-3846

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address87 HARBOR AVE, MARBLEHEAD, MA 01945-3846

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateFeb 23, 2021
Property Address6978 SE HARBOR CIR, STUART, FL 34996-1915
Document Number0031992913
Book / Page3199 / 2913
Map ReferenceMB 10 PG 43
Instrument DateFeb 2, 2021
Instrument2869869
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$25,620.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1401 BAILEY HILL DR, 1401, RALEIGH, NC 27614-9704

Transferred To (Grantee/Buyer)

NameVerified Name
Address87 HARBOR AVE, MARBLEHEAD, MA 01945-3846

Mortgage

Document Number0031992916
DateFeb 23, 2021
Instrument3199/2916
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2051

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateJun 29, 2020
Property Address6978 SE HARBOR CIR, STUART, FL 34996-1915
Document Number0031390034
Book / Page3139 / 34
Map ReferenceMB 10 PG 43
Instrument DateJun 23, 2020
Instrument2822612
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$25,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2900 SE DUNE DR APT 435, 2900, STUART, FL 34996-1991

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number0000313940
DateJun 29, 2020
Instrument3139/40
Lender
NameFIRST CITIZENS BANK & TRUST CO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2050
Interest
Rate TypeAdjustable Rate
Rate3.5%
Type Change DateJul 1, 2030
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change5.5%
Index1-Year LIBOR
Max Rate8.5%

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMARTIN FL
Recording DateJun 25, 2017
Property Address6978 SE HARBOR CIR, STUART, FL 34996-1915
Document Number0029331627
Book / Page002933 / 001627
Instrument DateJun 7, 2017
Instrument2642364
Transaction TypeTransfer
Record UpdatedJul 25, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$19,950.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6978 SE HARBOR CIR STUART FL 349961915, STUART, FL 34996-1915

Mortgage

Document Number29331629
DateJun 25, 2017
Book Page002933/001629
Instrument2642366
Lender
NameCENTERSTATE BK/FL
TypeBank
Address1951 8TH ST NW, WINTER HAVEN, FL 33881-2391
Agreement
AmountAmount on Record
Term360 Months
DueJun 24, 2047
Interest
Rate TypeAdjustable Rate
Rate3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 6978 SE Harbor Cir was $60,943 with a homeowner's exemption, down 5.6% 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$60,943.00 (-5.56%)$3,831,500 Land $1,750,000 Building $2,081,500$3,831,500 Land $1,750,000 Building $2,081,500
2024$64,532.00 (-0.46%)
2023$64,831.00 (+10.33%)$3,803,888 (+1%)$3,834,170 (+10.88%) Land $1,700,000 Building $2,134,170
2022$58,761.00$3,458,080 Land $1,650,000 Building $1,808,080$3,458,080 Land $1,650,000 Building $1,808,080

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

Flood

FEMA maps place 6978 SE Harbor Cir in Zone X, an area of minimal flood risk, within 100 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
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 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 6978 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 99.8% of the US · lower than 99.7% 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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