693 NW Spruce Ridge Dr, Stuart, FL 34994 Property Records

Martin County property record for 693 NW Spruce Ridge Dr, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,057 sqft · built 1970
Lot Size	0.543 acres (23,653 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Jan 2022)
Tax Bill	$8,681 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`31-37-41-001-003-0016.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`31-37-41-001-003-0016.0-0-0000`
Alternative APNs	`31-37-41-001-003-00160-0` `8399`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,057 sqft Living Area
Gross Area	3,227 sqft
1st Floor Area	2,057 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,653 sqft (0.543 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Concrete Masonry Porch
Porch Area	495 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	8399
Street Address	693 NW SPRUCE RIDGE DR
City	STUART
State	FL
Zip	34994-9451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	COCOANUT PARK SEC 1 LOT 16 BLK 3 OR 348/2010
Legal Range	41E
Legal Township	37S
Legal Section	31
Legal Subdivision	COCOANUT PARK
Legal Block	3
Legal Lot Number	16
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2005
Census Tract	300

Owner

Source: Martin County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	693 NW SPRUCE RIDGE DR, STUART, FL 34994-9451
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 30, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	20222938336
Deed Book / Page	3287 / 2083
Prior Transfer Date	Jul 28, 2000
Prior Transfer Doc	0000000000
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jan 21, 2022
Property Address	693 NW SPRUCE RIDGE DR, STUART, FL 34994-9451
Document Number	0032872083
Book / Page	3287 / 2083
Map Reference	MB 2 PG 70
Instrument Date	Jan 14, 2022
Instrument	2938336
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	214 NE ACACIA TRL, 214, JENSEN BEACH, FL 34957-4606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	693 NW SPRUCE RIDGE DR, STUART, FL 34994-9451

Mortgage

Document Number	0032872084
Date	Jan 21, 2022
Instrument	3287/2084

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Jun 30, 2021
Property Address	693 NW SPRUCE RIDGE DR, STUART, FL 34994-9451
Document Number	0032370721
Book / Page	3237 / 721
Map Reference	MB 2 PG 70
Instrument Date	Jun 25, 2021
Instrument	2898919
Transaction Type	Transfer
Record Updated	Aug 2, 2021

Transaction

Amount	Amount Recorded
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7072 CALLE JON CORTE, 7072, NAVARRE, FL 32566-8948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 NE ACACIA TRL, JENSEN BEACH, FL 34957-4621

Tax Assessment & Valuation

Source: Martin County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Martin County
Unified School District	Martin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,681.00 (-0.85%) Additional exemption filed	$562,917 (+5.99%)	$616,040 (+15.99%) Land $245,000 Building $371,040
2024	$8,755.00 (+1.83%)
2023	$8,598.00 (+8.27%) Additional exemption filed	$531,120 (+17.38%) Land $245,000 Building $286,120	$531,120 (+17.38%) Land $245,000 Building $286,120
2022	$7,941.00	$452,470 Land $222,530 Building $229,940	$452,470 Land $222,530 Building $229,940

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	5.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 110 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	120 units insured incl. 10 condo units
Nearby Flood Claims	30 (1983–2017)
Claims Outside the SFHA	6 of 30
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Hurricane Irene, Oct 1999 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MARTIN CO UTILITIES serves 104,105 people · EPA ID FL4431891
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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