Atlantic Luxury Advisors
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33 photos

1023 SPRUCE RIDGE

Stuart, FL 34994

$980,000
4
3
1,988 sq ft
19,328 sq ft
1965
1 car
Single Family Residence
57
Active

Listing courtesy of Realty Connection Link LLC (Nicole Mullins). Contact: [email protected].

About this home

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!

What it costs to own
Estimated monthly payment
$6,827/mo
Principal and interest
$4,955
Property tax
$1,255
Homeowners insurance
$617
HOA(not in the listing)
$0

An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.

Florida cost of ownership
Estimated property tax
$15,065/yr

Estimate: the price times the Martin County average total millage (16.06 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.

HOA
Not stated in the listing; ask us
FEMA flood zone
Zone X, minimal risk

Outside the special flood hazard area. Flood insurance is optional.

Hurricane evacuation zone
Zone C: ordered to evacuate for Category 2 hurricanes and stronger.

Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.

Location

Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.