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CondominiumResidential
$238,976$226 / 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 64How 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 $165,000 on Jan 26, 2016

964 NW SPRUCE RIDGE DR APT D7

STUART, FL 34994
Building report
2
Beds
2
Baths
1,056 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.
1974
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$239K
$154K low$324K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$165,000 · Jan 26, 2016
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.$67,247
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$53,798
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.72%
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.$140,000
FCB BANKS · recorded Mar 19, 2019
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.$31,729
COASTAL COMMUNITY BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,467 (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.$220,410 (2025)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$220,410
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$202,312
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$220,410

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.39 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.80%
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.Condominium
CountyMartin
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.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Elevator

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
Felix A. Williams Elementary SchoolA-
Elementary · Grades PK–5 · 0.7 mi
H
Jensen Beach High SchoolB-
High · Grades 9–12 · 1.5 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

964 Nw Spruce Ridge Dr Apt D7 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 less than 84% of homes in Martin County
  • Costs less per square foot than 73% of homes in Martin County
  • Smaller than 84% of homes in Martin County
  • Older than 78% 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
$85K$2M

This home is worth more than 46% 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$238,976
CheaperTypical $253,484Pricier

Pricier than 46% of homes nearby

Price per ft²$226
CheaperTypical $218Pricier

Pricier than 54% of homes nearby

Living area1,056 ft²
SmallerTypical 1,096 ft²Bigger

Bigger than 45% of homes nearby

Year built1974
OlderTypical 1978Newer

Newer than 40% of homes nearby

How 964 Nw Spruce Ridge Dr Apt D7 ranks against every home in each area.
MeasureThis homeStuart 34994Martin County
Estimated valuepricier than$238,97646% of homes16% of homes
Price per ft²pricier than$22654% of homes27% of homes
Living areabigger than1,056 ft²45% of homes16% of homes
Year builtnewer than197440% of homes22% of homes

About 964 Nw Spruce Ridge Dr Apt D7

How much is 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL worth?

The TopHap Estimate for 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL is $238,976 as of Jul 14, 2026. The likely range is $153,948 to $324,004. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL last sell?

964 Nw Spruce Ridge Dr Apt D7, Stuart, FL last sold on Jan 26, 2016 for $165,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL?

964 Nw Spruce Ridge Dr Apt D7, Stuart, FL has 2 bedrooms, 2 bathrooms and 1,056 square feet of living space.

When was 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL built?

964 Nw Spruce Ridge Dr Apt D7, Stuart, FL was built in 1974, making it 52 years old. The building has 1 story.

What schools serve 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL?

964 Nw Spruce Ridge Dr Apt D7, 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 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL compare to other homes in Stuart 34994?

Among the 7,912 homes in Stuart 34994, it is worth more than 46% of them ($238,976 against a typical $253,484), its price per square foot is higher than 54% of them ($226 against a typical $218), it is bigger than 45% of them (1,056 ft² against a typical 1,096 ft²) and it is newer than 40% of them (1974 against a typical 1978). Measured against all of Martin County, it is worth more than 16% 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 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL?

The 2024 property tax bill for 964 Nw Spruce Ridge Dr Apt D7, Stuart, FL was $3,467. The county assessed it at $220,410.

Closest homes

More homes in Stuart 34994

Assigned schools

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