Martin County property record for 7491 SW Harbor Cove Dr, Stuart, FL 34997
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,033 sqft · built 2018 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $420,000 (Mar 2021) |
| Tax Bill | $6,019 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Oct 2019 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 55-38-41-312-000-0012.0-0-0000 |
| Primary APN | 55-38-41-312-000-0012.0-0-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,033 sqft Living Area |
| Gross Area | 2,484 sqft |
| 1st Floor Area | 2,033 sqft |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 6,098 sqft (0.14 acres) |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 451 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 246 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1117201 |
|---|---|
| Street Address | 7491 SW HARBOR COVE DR |
| City | STUART |
| State | FL |
| Zip | 34997-7404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 TIDEWATER POINT ACCORDING TO THE PLAT THEREOF AS RECORDED IN PLAT BOOK 17 PAGE 42 PUBLIC RECORDS OF MARTIN COUNTY FLORIDA |
| Legal Range | 41E |
| Legal Township | 38S |
| Legal Section | 55 |
| Legal Subdivision | TIDEWATER POINT |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | MARTIN FL |
| Township / Civil Division | PORT SALERNO-HOBE SOUND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1103 |
7491 SW Harbor Cove Dr is owned and occupied by an individual who bought it in March 2021.
Source: Martin County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7491 SW HARBOR COVE DR, STUART, FL 34997-7404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage HAMILTON HOME LOANS INC |
| Oct 7, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Jan 2, 2019 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 9, 2021 · Amount on File |
| Deed Sale | Mar 9, 2021 · Amount on File |
| Prior Sale | Jan 2, 2019 · Amount on File |
| Deed Document Number | 20212873359 |
| Deed Book / Page | 3204 / 2277 |
| Prior Transfer Date | Sep 26, 2019 |
| Prior Transfer Doc | 0030870965 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Mar 9, 2021 |
| Property Address | 7491 SW HARBOR COVE DR, STUART, FL 34997-7404 |
| Document Number | 0032042277 |
| Book / Page | 3204 / 2277 |
| Map Reference | MB 14 PG 42 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 2873359 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | SOUTH FL TITLE INSURERS/BROWAR, SOUTH FL TTL INSURERS OF PAL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3437 COVE MEADOWS DR, 3437, SEVIERVILLE, TN 37862-2408 |
| Name | Verified Name |
|---|---|
| Address | 7491 SW HARBOR COVE DR, STUART, FL 34997-7404 |
| Document Number | 0032042279 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 3204/2279 |
| Name | HAMILTON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Oct 7, 2019 |
| Property Address | 7491 SW HARBOR COVE DR, STUART, FL 34997-7404 |
| Document Number | 0030870965 |
| Book / Page | 003087 / 000965 |
| Instrument Date | Sep 26, 2019 |
| Instrument | 2778675 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 7491 SW HARBOR COVE DR STUART FL 349977404, STUART, FL 34997-7404 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MARTIN FL |
| Recording Date | Jan 2, 2019 |
| Property Address | 7491 SW HARBOR COVE DR, STUART, FL 34997-7404 |
| Document Number | 0030342337 |
| Book / Page | 003034 / 002337 |
| Instrument Date | Dec 28, 2018 |
| Instrument | 2732418 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 1, 2019 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7491 SW HARBOR COVE DR STUART FL 349977404, STUART, FL 34997-7404 |
| Document Number | 30342338 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 003034/002338 |
| Instrument | 2732419 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.12% |
The 2025 property tax bill for 7491 SW Harbor Cove Dr was $6,019 with a homeowner's exemption, down 0.7% from the year before.
Source: Martin County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,019.00 (-0.73%) Homeowner's exemption | $394,668 | $514,010 Land $240,000 Building $274,010 |
| 2024 | $6,063.00 (+1.98%) | ||
| 2023 | $5,945.00 (+3.61%) Additional exemption filed | $372,375 (+3%) | $448,160 (+17.91%) Land $155,000 Building $293,160 |
| 2022 | $5,738.00 Homeowner's exemption | $361,530 | $380,100 Land $125,400 Building $254,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7491 SW Harbor Cove Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 186 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 218 units insured incl. 32 condo units |
| Nearby Flood Claims | 170 (1979–2025) |
| Claims Outside the SFHA | 25 of 170 |
| Most Recent Claim | Oct 2025 · other causes |
| Claims by Event |
|
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 risk around 7491 SW Harbor Cove Dr 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 80% of the US · lower than 93% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MARTIN CO UTILITIES serves 104,105 people · EPA ID FL4431891 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 17 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.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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