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

Martin County property record for 774 NW Spruce Ridge Dr, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,973 sqft · built 2022
Lot Size	0.993 acres (43,255 sqft)
Owner	Company Name on File
Last Sale	$675,000 (Mar 2021)
Tax Bill	$7,512 (2024)
Deeds & Mortgages	Aug 2021 Construction Loan Mar 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`30-37-41-011-020-0004.0-0-0000`

Property Details

APN / Parcel Number

Primary APN	`30-37-41-011-020-0004.0-0-0000`
Alternative APNs	`30-37-41-011-020-00040-0` `7522`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,973 sqft Living Area
Gross Area	2,729 sqft
1st Floor Area	1,973 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,255 sqft (0.993 acres)
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool
Porch	Open Concrete/Masonry Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7522
Street Address	774 NW SPRUCE RIDGE DR
City	STUART
State	FL
Zip	34994-9536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH RIVER SHORES SEC 5 A LOT 4 & PT OF LOT 3 DESC IN OR 1012 PAGE 2082
Legal Range	41E
Legal Township	37S
Legal Section	30
Legal Subdivision	NORTH RIVER SHORES
Legal Block	2
Legal Lot Number	4,3
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2000
Census Tract	300

Owner

774 NW Spruce Ridge Dr is owned by a company that bought it in March 2021.

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

Owner of Record	Company Name on File
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Construction Mortgage VAST BANK NA
Mar 24, 2021	Warranty Deed, Transfer SIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	Jun 30, 2000 · Amount on File
Deed Document Number	20212876478
Deed Book / Page	3208 / 2419
Prior Transfer Date	Jun 29, 2000
Prior Transfer Doc	0001599608
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	774 NW SPRUCE RIDGE DR, STUART, FL 34994-9536
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3058 SW VIRGINIA AVE, PALM CITY, FL 34990-3230

Mortgage

Document Number	0032460595
Date	Aug 3, 2021
Book Page	3246/595
Instrument	2905994

Lender

Name	VAST BANK NA
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Mar 24, 2021
Property Address	774 NW SPRUCE RIDGE DR, STUART, FL 34994-9536
Document Number	0032082419
Book / Page	3208 / 2419
Map Reference	MB 3 PG 80
Instrument Date	Mar 19, 2021
Instrument	2876478
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SIGNATURE TITLE PARTNERS, SIGNATURE TITLE FL PARTNERS

Transaction

Amount	Amount on Record
Tax	$4,725.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1604 NW SPRUCE RIDGE DR, 1604, STUART, FL 34994-9526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 NW SPRUCE RIDGE DR, STUART, FL 34994-9536

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		$424,584	$1,364,660 Land $825,000 Building $539,660
2024	$7,512.00 (+1.72%)
2023	$7,385.00 (+29.7%)
2022	$5,694.00	$300,650	$529,390 Land $462,000 Building $67,390

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 774 NW Spruce Ridge Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 774 NW Spruce Ridge Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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