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

Martin County property record for 863 NW Spruce Ridge Dr, Stuart, FL 34994

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 1962
Lot Size	0.472 acres (20,560 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2017)
Tax Bill	$6,117 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2020 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`30-37-41-011-029-0007.0-4-0000`

Property Details

APN / Parcel Number

Primary APN	`30-37-41-011-029-0007.0-4-0000`
Alternative APNs	`30-37-41-011-029-00070-4` `7610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
Gross Area	2,268 sqft
1st Floor Area	1,960 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,560 sqft (0.472 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Concrete/Masonry Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	7610
Street Address	863 NW SPRUCE RIDGE DR
City	STUART
State	FL
Zip	34994-9542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NORTH RIVER SHORES SEC 6 LOT 7 BLK 29
Legal Range	41E
Legal Township	37S
Legal Section	30
Legal Subdivision	NORTH RIVER SHORES
Legal Block	29
Legal Lot Number	7
Jurisdiction	MARTIN FL
Township / Civil Division	STUART
Census Block Group	2
Census Block	2007
Census Tract	300

Owner

863 NW Spruce Ridge Dr is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	863 NW SPRUCE RIDGE DR, STUART, FL 34994-9542
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 16, 2019	Deed of Trust, Mortgage QUICKEN LNS
Oct 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 24, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2017 · Amount on File
Deed Sale	Oct 24, 2017 · Amount on File
Prior Sale	Sep 10, 2003 · Amount on File
Deed Document Number	20172661201
Deed Book / Page	2955 / 1551
Prior Transfer Date	Dec 6, 2001
Prior Transfer Doc	0001690863
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	863 NW SPRUCE RIDGE DR, STUART, FL 34994-9542
Transaction Type	Mortgage
Record Updated	Mar 18, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032962865
Date	Mar 2, 2022
Book Page	3296/2865
Instrument	2945993

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	863 NW SPRUCE RIDGE DR, STUART, FL 34994-9542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031590168
Date	Sep 18, 2020
Book Page	3159/168
Instrument	2838424

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	863 NW SPRUCE RIDGE DR, STUART, FL 34994-9542
Document Number	0031012365
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	863 NW SPRUCE RIDGE DR STUART FL 349949542, STUART, FL 34994-9542

Mortgage

Document Number	0031012365
Date	Dec 23, 2019
Book Page	003101/002365
Instrument	2791277

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	863 NW SPRUCE RIDGE DR, STUART, FL 34994-9542
Document Number	0030230406
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	863 NW SPRUCE RIDGE DR STUART FL 349949542, STUART, FL 34994-9542

Mortgage

Document Number	0030230406
Date	Oct 23, 2018
Book Page	003023/000406
Instrument	2722028

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARTIN FL
Property Address	863 NW SPRUCE RIDGE DR, STUART, FL 34994-9542
Document Number	0029810127
Instrument Date	Mar 10, 2018
Transaction Type	Mortgage
Record Updated	Mar 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	863 NW SPRUCE RIDGE DR STUART FL 349949542, STUART, FL 34994-9542

Mortgage

Document Number	0029810127
Date	Mar 16, 2018
Book Page	002981/000127
Instrument	2684189

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 15, 2033

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARTIN FL
Recording Date	Oct 24, 2017
Property Address	863 NW SPRUCE RIDGE DR, STUART, FL 34994-9542
Document Number	0029551551
Book / Page	002955 / 001551
Instrument Date	Oct 23, 2017
Instrument	2661201
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,275.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11082 SW ROSE APPLE CT PORT ST LUCIE FL 349872851, PORT ST LUCIE, FL 34987-2851

Tax Assessment & Valuation

The 2025 property tax bill for 863 NW Spruce Ridge Dr was $6,117 with a homeowner's exemption, down 0.5% from the year before.

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	$6,117.00 (-0.54%) Additional exemption filed	$339,291	$503,530 Land $265,000 Building $238,530
2024	$6,150.00 (+1.77%)
2023	$6,043.00 (+3.07%) Additional exemption filed	$320,126 (+3%)	$445,090 (+7.55%) Land $250,000 Building $195,090
2022	$5,863.00 Homeowner's exemption	$310,802	$413,860 Land $235,200 Building $178,660

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

Flood

FEMA maps place 863 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 863 NW Spruce Ridge Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% 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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