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Single Family ResidenceResidential
$1,351,015$448 / 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 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

685 SW WISPER BAY DR

PALM CITY, FL 34990
3
Beds
3 / 1
Baths
3,015 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.
0.65 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
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

$1.4M
$1.2M low$1.6M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$14,297 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$883,620 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$575,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$308,620
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$842,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$883,620

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.94 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.89%
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.1 percent coastal flood zone

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.0.65
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
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
FireplaceWhether the home has a fireplace, and what kind.Yes
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 349 ft²ElevatorPatio · 464 ft²Porch · 1,051 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 3.3 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%

Owner Tools

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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

685 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 93% of homes in Palm City 34990
  • Costs more per square foot than 91% of homes in Palm City 34990
  • Bigger than 89% of homes in Martin County
  • Has a bigger lot than 84% of homes in Martin County

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
$196K$1.9M

This home is worth more than 93% 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$1,351,015
CheaperTypical $646,980Pricier

Pricier than 93% of homes nearby

Price per ft²$448
CheaperTypical $272Pricier

Pricier than 91% of homes nearby

Living area3,015 ft²
SmallerTypical 2,162 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.65 ac
SmallerTypical 0.29 acBigger

Bigger than 79% of homes nearby

Year built1988
OlderTypical 1992Newer

Newer than 39% of homes nearby

How 685 Sw Wisper Bay Dr ranks against every home in each area.
MeasureThis homePalm City 34990Martin County
Estimated valuepricier than$1,351,01593% of homes91% of homes
Price per ft²pricier than$44891% of homes87% of homes
Living areabigger than3,015 ft²79% of homes89% of homes
Lot sizebigger than0.65 ac79% of homes84% of homes
Year builtnewer than198839% of homes56% of homes

About 685 Sw Wisper Bay Dr

How much is 685 Sw Wisper Bay Dr, Palm City, FL worth?

The TopHap Estimate for 685 Sw Wisper Bay Dr, Palm City, FL is $1,351,015 as of Aug 30, 2026. The likely range is $1,151,070 to $1,550,960. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 685 Sw Wisper Bay Dr, Palm City, FL last sell?

685 Sw Wisper Bay Dr, Palm City, FL last sold on Dec 21, 2020, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 685 Sw Wisper Bay Dr, Palm City, FL?

685 Sw Wisper Bay Dr, Palm City, FL has 3 bedrooms, 3 bathrooms, 3,015 square feet of living space and a 0.65-acre lot.

When was 685 Sw Wisper Bay Dr, Palm City, FL built?

685 Sw Wisper Bay Dr, Palm City, FL was built in 1988, making it 38 years old. The building has 1 story.

What schools serve 685 Sw Wisper Bay Dr, Palm City, FL?

685 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 685 Sw Wisper Bay Dr, Palm City, FL compare to other homes in Palm City 34990?

Among the 13,883 homes in Palm City 34990, it is worth more than 93% of them ($1,351,015 against a typical $646,980), its price per square foot is higher than 91% of them ($448 against a typical $272), it is bigger than 79% of them (3,015 ft² against a typical 2,162 ft²), its lot is bigger than 79% of them (0.65 ac against a typical 0.29 ac) and it is newer than 39% of them (1988 against a typical 1992). Measured against all of Martin County, it is worth more than 91% 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 685 Sw Wisper Bay Dr, Palm City, FL?

The 2024 property tax bill for 685 Sw Wisper Bay Dr, Palm City, FL was $14,297. The county assessed it at $883,620.

More homes on Sw Wisper Bay Dr

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