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Single Family ResidenceResidential
$1,194,272$285 / 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 88How 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 $625,000 on Nov 6, 2002

864 NW SPRUCE RIDGE DR

STUART, FL 34994
3
Beds
4
Baths
4,185 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.
0.74 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
2
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

$1.2M
$1M low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$625,000 · Nov 6, 2002
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.$637,317
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$509,854
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.45%
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.$405,000
HARBOR FSB · recorded Nov 6, 2002
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.$151,955
HARBOR FSB

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,702 (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.$499,121 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$485,055
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,165,380

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.38 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.72%
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.0.74
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.ElevatorPorch · 484 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.

Foreclosure Filings(5)

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

864 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 95% of homes in Stuart 34994
  • Costs more per square foot than 76% of homes in Stuart 34994
  • Among the largest homes in Stuart 34994
  • Has a bigger lot than 86% of homes in Martin County
  • Older than 89% 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 95% 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$1,194,272
CheaperTypical $252,963Pricier

Pricier than 95% of homes nearby

Price per ft²$285
CheaperTypical $217Pricier

Pricier than 76% of homes nearby

Living area4,185 ft²
SmallerTypical 1,096 ft²Bigger

Bigger than almost all homes nearby

Lot size0.74 ac
SmallerTypical 0.25 acBigger

Bigger than 82% of homes nearby

Year built1970
OlderTypical 1978Newer

Newer than 18% of homes nearby

How 864 Nw Spruce Ridge Dr ranks against every home in each area.
MeasureThis homeStuart 34994Martin County
Estimated valuepricier than$1,194,27295% of homes90% of homes
Price per ft²pricier than$28576% of homes55% of homes
Living areabigger than4,185 ft²almost all homes96% of homes
Lot sizebigger than0.74 ac82% of homes86% of homes
Year builtnewer than197018% of homes11% of homes

About 864 Nw Spruce Ridge Dr

How much is 864 Nw Spruce Ridge Dr, Stuart, FL worth?

The TopHap Estimate for 864 Nw Spruce Ridge Dr, Stuart, FL is $1,194,272 as of Jul 14, 2026. The likely range is $1,045,977 to $1,342,567. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 864 Nw Spruce Ridge Dr, Stuart, FL last sell?

864 Nw Spruce Ridge Dr, Stuart, FL last sold on Nov 6, 2002 for $625,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 864 Nw Spruce Ridge Dr, Stuart, FL?

864 Nw Spruce Ridge Dr, Stuart, FL has 3 bedrooms, 4 bathrooms, 4,185 square feet of living space and a 0.74-acre lot.

When was 864 Nw Spruce Ridge Dr, Stuart, FL built?

864 Nw Spruce Ridge Dr, Stuart, FL was built in 1970, making it 56 years old. The building has 2 stories.

What schools serve 864 Nw Spruce Ridge Dr, Stuart, FL?

864 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 864 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 95% of them ($1,194,272 against a typical $252,963), its price per square foot is higher than 76% of them ($285 against a typical $217), it is bigger than almost all of them (4,185 ft² against a typical 1,096 ft²), its lot is bigger than 82% of them (0.74 ac against a typical 0.25 ac) and it is newer than 18% of them (1970 against a typical 1978). Measured against all of Martin County, it is worth more than 90% 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 864 Nw Spruce Ridge Dr, Stuart, FL?

The 2024 property tax bill for 864 Nw Spruce Ridge Dr, Stuart, FL was $8,702. The county assessed it at $499,121.

Closest homes

More homes in Stuart 34994

Assigned schools

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