6983 SE Harbor Cir, Stuart, FL 34996 Property Records

Martin County property record for 6983 SE Harbor Cir, Stuart, FL 34996

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,756 sqft · built 1992
Lot Size	0.648 acres (28,227 sqft)
Owner	2 Company Names on Record
Last Sale	$1,400,000 (Jul 2003)
Tax Bill	$23,433 (2024)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-38-42-001-000-0010.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`17-38-42-001-000-0010.0-4-0000`
Alternative APNs	`17-38-42-001-000-00100-4` `46133`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,756 sqft Living Area
Gross Area	5,500 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	28,227 sqft (0.648 acres)
View / Lot	Golf Course
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	726 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6983 SE HARBOR CIR
City	STUART
State	FL
Zip	34996-4936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUDR
Legal Description	SAILFISH POINT PLAT 15 LOT 10
Legal Range	42E
Legal Township	38S
Legal Section	17
Legal Subdivision	SAILFISH POINT
Legal Block	1
Legal Lot Number	10
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	1
Census Block	1004
Census Tract	100

Owner

Source: Martin County records, as of August 27, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	6983 SE HARBOR CIR, STUART, FL 34996-4936
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2003 · Amount on Record
Deed Sale	Jul 2, 2003 · Amount on Record
Prior Sale	Jan 12, 1998 · Amount on Record
Deed Document Number	20031672011
Deed Book / Page	1784 / 925
Last Transfer Date	Jun 12, 2025
Transfer Doc	0035041991
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	6983 SE HARBOR CIR, STUART, FL 34996-4936
Transaction Type	Mortgage
Record Updated	Mar 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031972643
Date	Feb 16, 2021
Book Page	3197/2643
Instrument	2868224

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.12%
Type Change Date	Mar 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	4.12%
Index	LIBOR
Margin	3
Max Rate	7.12%

Tax Assessment & Valuation

Source: Martin County assessment roll, as of August 27, 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		$1,466,475 (+5.99%)	$3,539,110 (+6.35%) Land $1,604,250 Building $1,934,860
2024	$23,433.00 (+1.49%)
2023	$23,089.00 (+3.17%) Additional exemption filed	$1,383,637 (+3%)	$3,327,840 (+27.02%) Land $1,345,500 Building $1,982,340
2022	$22,380.00 Homeowner's exemption	$1,343,337	$2,619,900 Land $931,500 Building $1,688,400

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 500 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 99.8% of the US · lower than 99.7% 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