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Single Family ResidenceResidential
$1,092,479$614 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 67How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $99,900 on Feb 1, 1986

644 SW WISPER BAY DR

PALM CITY, FL 34990
3
Beds
2
Baths
1,779 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.51 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$728K low$1.5M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$99,900 · Feb 1, 1986

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,096 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$209,050 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$203,159
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$461,160

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.60%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMARTIN
Lot (acres)The size of the land the home sits on, from county records.0.52
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Pool
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.ElevatorPorch · 468 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Bessey Creek Elementary SchoolA
Elementary · Grades PK–5 · 1.7 mi
M
Hidden Oaks Middle SchoolA
Middle · Grades 6–8 · 2.4 mi
H
Martin County High SchoolB-
High · Grades 9–12 · 3.4 mi

District: Martin County School District

Neighborhood · ZIP 34990These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.51
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.12

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.34,132
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.298 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$114,610
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$142,097
Average tempThe average temperature here across a full year.74°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.65%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

644 Sw Wisper Bay Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 88% of homes in Martin County
  • Costs more per square foot than 98% of homes in Palm City 34990
  • Smaller than 65% of homes in Palm City 34990
  • Has a bigger lot than 84% of homes in Martin County
  • Older than 75% of homes in Palm City 34990

What homes are worth in Palm City 34990

Each bar is how many homes fall in that price range. The marker is this home.

This home
$198K$2M

This home is worth more than 86% of homes in Palm City 34990.

How it measures up in Palm City 34990

The dot is this home. The mark in the middle is the typical home in Palm City 34990.

Estimated value$1,092,479
CheaperTypical $643,838Pricier

Pricier than 86% of homes nearby

Price per ft²$614
CheaperTypical $271Pricier

Pricier than 98% of homes nearby

Living area1,779 ft²
SmallerTypical 2,167 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.51 ac
SmallerTypical 0.28 acBigger

Bigger than 74% of homes nearby

Year built1985
OlderTypical 1992Newer

Newer than 25% of homes nearby

How 644 Sw Wisper Bay Dr ranks against every home in each area.
MeasureThis homePalm City 34990Martin County
Estimated valuepricier than$1,092,47986% of homes88% of homes
Price per ft²pricier than$61498% of homes94% of homes
Living areabigger than1,779 ft²35% of homes57% of homes
Lot sizebigger than0.51 ac74% of homes84% of homes
Year builtnewer than198525% of homes48% of homes

About 644 Sw Wisper Bay Dr

How much is 644 Sw Wisper Bay Dr, Palm City, FL worth?

The TopHap Estimate for 644 Sw Wisper Bay Dr, Palm City, FL is $1,092,479 as of Sep 24, 2026. The likely range is $727,836 to $1,457,122. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 644 Sw Wisper Bay Dr, Palm City, FL last sell?

644 Sw Wisper Bay Dr, Palm City, FL last sold on Feb 1, 1986 for $99,900, according to the county's recorded deed.

How big is 644 Sw Wisper Bay Dr, Palm City, FL?

644 Sw Wisper Bay Dr, Palm City, FL has 3 bedrooms, 2 bathrooms, 1,779 square feet of living space and a 0.52-acre lot.

When was 644 Sw Wisper Bay Dr, Palm City, FL built?

644 Sw Wisper Bay Dr, Palm City, FL was built in 1985, making it 41 years old. The building has 1 story.

What schools serve 644 Sw Wisper Bay Dr, Palm City, FL?

644 Sw Wisper Bay Dr, Palm City, FL is assigned to Bessey Creek Elementary School (elementary), rated A; Hidden Oaks Middle School (middle), rated A; Martin County High School (high), rated B-. All sit in Martin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 644 Sw Wisper Bay Dr, Palm City, FL compare to other homes in Palm City 34990?

Among the 13,605 homes in Palm City 34990, it is worth more than 86% of them ($1,092,479 against a typical $643,838), its price per square foot is higher than 98% of them ($614 against a typical $271), it is bigger than 35% of them (1,779 ft² against a typical 2,167 ft²), its lot is bigger than 74% of them (0.51 ac against a typical 0.28 ac) and it is newer than 25% of them (1985 against a typical 1992). Measured against all of Martin County, it is worth more than 88% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 644 Sw Wisper Bay Dr, Palm City, FL?

The 2025 property tax bill for 644 Sw Wisper Bay Dr, Palm City, FL was $3,096. The county assessed it at $209,050.

More homes on Sw Wisper Bay Dr

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