1023 NW SPRUCE RIDGE Drive, Stuart FL 34994, STUART, FL, 34994
Active23 days on marketListed Jul 13, 2026MLS #B26051980
About this home
1023 NW SPRUCE RIDGE Drive, Stuart FL 34994
WELCOME HOME to this move-in ready 4-bedroom, 3 Bath home on nearly 1/2 acre in the desirable North River Shores community! This beautifully updated home features a private-entry suite ideal for mother-in-law suite. Major upgrades include a new roof, gutters, soffits, whole-house generator with propane tank and transfer switch, new electrical panel, new water heater, impact windows and sliding glass doors, new flooring throughout, fresh interior and exterior paint, and three renovated bathrooms with accessibility. Previously approved for assisted living home, this home offers excellent flexibility for multigenerational living. Additional improvements include a fire alarm and sprinkler system, 10-year smoke and carbon monoxide detectors. Enjoy all that North River Shores has to offer, including optional POA membership with parks, playgrounds, fishing pier, sidewalks, and boat ramp access for just $185/year(2026) plus a $20 boat ramp key. Conveniently located near Treasure Coast Mall, downtown Stuart, downtown Jensen Beach, beaches, restaurants, shopping, and top-rated Martin County Schools, A rare opportunity to own a turnkey home with extensive upgrades already completed!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,988
Sqft
0.44 ac
Lot size
1
Garage
1965
Year built
1
Levels
$493
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$6,581 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,581/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Stuart actives
$493 vs $265
Days on market
23 vs 67 typical
Where $493/sqft sits among the 400 Stuart actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Stuart
Get to know Stuart. See the full Stuart guide →
STUART 34994 — neighborhood snapshot
Population
18,318
Median age
50.8
Median income
$62,895
Median home value
$248,900
Avg household
2.12
Households w/ children
1,436
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$640K → $446K
Stuart median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
42 of 400
Stuart actives have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 445% above the STUART 34994 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 1023 NW SPRUCE RIDGE Drive
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$505,000
1444 NW Spruce Ridge Drive, Stuart FL 34994 · same community
3 bd · 2 ba · 1,816 sqft · $278/sqft · 3 DOM
Sold · Aug ’25$575,000
1544 NW Spruce Ridge Drive, Stuart FL 34994 · same community
3 bd · 2 ba · 1,754 sqft · $328/sqft · 212 DOM
Sold · Aug ’25$560,000
1743 NW Spruce Ridge Drive, Stuart FL 34994 · same community
4 bd · 2 ba · 2,380 sqft · $235/sqft · 97 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1023 NW SPRUCE RIDGE Drive — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1023 NW SPRUCE RIDGE Drive — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1023 NW SPRUCE RIDGE Drive FAQs
What would the monthly payment be for 1023 NW SPRUCE RIDGE Drive, Stuart FL 34994?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,581/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1023 NW SPRUCE RIDGE Drive, Stuart FL 34994?+
The most recent tax bill on record (2025) was $9,182. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1023 NW SPRUCE RIDGE Drive, Stuart FL 34994?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Stuart?+
At $980,000, this home is listed about 128% above the Stuart median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1023 NW SPRUCE RIDGE Drive, Stuart FL 34994?+
J. D. Parker School Of Technology (elementary), Dr. David L. Anderson Middle School (middle), Jensen Beach High School (high) — Martin County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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