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Single Family ResidenceResidential
$450,165$265 / 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 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $500,000 on Dec 1, 2021

823 NW SPRUCE RIDGE DR

STUART, FL 34994
3
Beds
2
Baths
1,698 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.
0.48 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
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

$450K
$364K low$537K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$500,000 · Dec 1, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$50,165
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$40,132
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.89%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$300,000
EMM LOANS LLC · recorded Dec 1, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
POWER FINANCIAL CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,477 (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.$359,770 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$349,631
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$492,350

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.28 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.64%
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.0.2 percent 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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1979
Lot (acres)The size of the land the home sits on, from county records.0.48
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
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.Composition Shingle
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.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.ElevatorPorch · 493 ft²

Transaction History(2)

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
Felix A. Williams Elementary SchoolA-
Elementary · Grades PK–5 · 0.8 mi
H
Jensen Beach High SchoolB-
High · Grades 9–12 · 1.6 mi
M
Stuart Middle SchoolB-
Middle · Grades 6–8 · 2.0 mi

District: Martin County School District

Neighborhood · ZIP 34994These 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.143
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.11

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.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.19,594
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,989 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,478
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,419
Average tempThe average temperature here across a full year.74°F
Annual precipHow much rain and melted snow falls here in a typical year.58 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.65%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

823 Nw Spruce Ridge 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 76% of homes in Stuart 34994
  • Costs more per square foot than 70% of homes in Stuart 34994
  • Bigger than 80% of homes in Stuart 34994
  • Has a bigger lot than 77% of homes in Martin County
  • Older than 93% of homes in Martin County

What homes are worth in Stuart 34994

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

This home
$83K$1.9M

This home is worth more than 76% of homes in Stuart 34994.

How it measures up in Stuart 34994

The dot is this home. The mark in the middle is the typical home in Stuart 34994.

Estimated value$450,165
CheaperTypical $253,420Pricier

Pricier than 76% of homes nearby

Price per ft²$265
CheaperTypical $218Pricier

Pricier than 70% of homes nearby

Living area1,698 ft²
SmallerTypical 1,096 ft²Bigger

Bigger than 80% of homes nearby

Lot size0.48 ac
SmallerTypical 0.25 acBigger

Bigger than 72% of homes nearby

Year built1965
OlderTypical 1978Newer

Newer than 11% of homes nearby

How 823 Nw Spruce Ridge Dr ranks against every home in each area.
MeasureThis homeStuart 34994Martin County
Estimated valuepricier than$450,16576% of homes47% of homes
Price per ft²pricier than$26570% of homes45% of homes
Living areabigger than1,698 ft²80% of homes54% of homes
Lot sizebigger than0.48 ac72% of homes77% of homes
Year builtnewer than196511% of homes7% of homes

About 823 Nw Spruce Ridge Dr

How much is 823 Nw Spruce Ridge Dr, Stuart, FL worth?

The TopHap Estimate for 823 Nw Spruce Ridge Dr, Stuart, FL is $450,165 as of Jul 14, 2026. The likely range is $363,570 to $536,760. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 823 Nw Spruce Ridge Dr, Stuart, FL last sell?

823 Nw Spruce Ridge Dr, Stuart, FL last sold on Dec 1, 2021 for $500,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 823 Nw Spruce Ridge Dr, Stuart, FL?

823 Nw Spruce Ridge Dr, Stuart, FL has 3 bedrooms, 2 bathrooms, 1,698 square feet of living space and a 0.48-acre lot.

When was 823 Nw Spruce Ridge Dr, Stuart, FL built?

823 Nw Spruce Ridge Dr, Stuart, FL was built in 1965, making it 61 years old. The building has 1 story.

What schools serve 823 Nw Spruce Ridge Dr, Stuart, FL?

823 Nw Spruce Ridge Dr, Stuart, FL is assigned to Felix A. Williams Elementary School (elementary), rated A-; Jensen Beach High School (high), rated B-; Stuart Middle School (middle), rated B-. All sit in Martin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 823 Nw Spruce Ridge Dr, Stuart, FL compare to other homes in Stuart 34994?

Among the 7,912 homes in Stuart 34994, it is worth more than 76% of them ($450,165 against a typical $253,420), its price per square foot is higher than 70% of them ($265 against a typical $218), it is bigger than 80% of them (1,698 ft² against a typical 1,096 ft²), its lot is bigger than 72% of them (0.48 ac against a typical 0.25 ac) and it is newer than 11% of them (1965 against a typical 1978). Measured against all of Martin County, it is worth more than 47% 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 823 Nw Spruce Ridge Dr, Stuart, FL?

The 2024 property tax bill for 823 Nw Spruce Ridge Dr, Stuart, FL was $6,477. The county assessed it at $359,770.

Closest homes

More homes in Stuart 34994

Assigned schools

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