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Single Family ResidenceResidential
$1,036,619$389 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $1,000,000 on Jun 26, 2025

639 SW RIVERWATCH PL

STUART, FL 34997
3
Beds
3 / 1
Baths
2,668 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$1M
$885K low$1.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,000,000 · Jun 26, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$486,619
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$389,295
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.54%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$550,000
T2 FINANCIAL LLC · recorded Jun 26, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,005 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$640,789 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$622,730
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$668,710

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.28 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.72%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMartin
Lot (acres)The size of the land the home sits on, from county records.0.25
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Elevator

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Dr. David L. Anderson Middle SchoolB-
Middle · Grades 6–8 · 1.7 mi
H
Martin County High SchoolB-
High · Grades 9–12 · 2.0 mi
E
J. D. Parker Elementary SchoolC-
Elementary · Grades PK–5 · 3.6 mi

District: Martin County School District

Neighborhood · ZIP 34997These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.83
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.43,974
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.479 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,925
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,609
Average tempThe average temperature here across a full year.74°F
Annual precipHow much rain and melted snow falls here in a typical year.57 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.65%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

639 Sw Riverwatch Pl measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 95% of homes in Stuart 34997
  • Costs more per square foot than 93% of homes in Stuart 34997
  • Bigger than 88% of homes in Stuart 34997
  • Newer than 98% of homes in Martin County

What homes are worth in Stuart 34997

Each bar is how many homes fall in that price range. The marker is this home.

This home
$164K$1.4M

This home is worth more than 95% of homes in Stuart 34997.

How it measures up in Stuart 34997

The dot is this home. The mark in the middle is the typical home in Stuart 34997.

Estimated value$1,036,619
CheaperTypical $462,916Pricier

Pricier than 95% of homes nearby

Price per ft²$389
CheaperTypical $274Pricier

Pricier than 93% of homes nearby

Living area2,668 ft²
SmallerTypical 1,622 ft²Bigger

Bigger than 88% of homes nearby

Lot size0.25 ac
SmallerTypical 0.18 acBigger

Bigger than 63% of homes nearby

Year built2022
OlderTypical 1988Newer

Newer than 97% of homes nearby

How 639 Sw Riverwatch Pl ranks against every home in each area.
MeasureThis homeStuart 34997Martin County
Estimated valuepricier than$1,036,61995% of homes86% of homes
Price per ft²pricier than$38993% of homes82% of homes
Living areabigger than2,668 ft²88% of homes83% of homes
Lot sizebigger than0.25 ac63% of homes56% of homes
Year builtnewer than202297% of homes98% of homes

About 639 Sw Riverwatch Pl

How much is 639 Sw Riverwatch Pl, Stuart, FL worth?

The TopHap Estimate for 639 Sw Riverwatch Pl, Stuart, FL is $1,036,619 as of Jul 14, 2026. The likely range is $885,424 to $1,187,814. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 639 Sw Riverwatch Pl, Stuart, FL last sell?

639 Sw Riverwatch Pl, Stuart, FL last sold on Jun 26, 2025 for $1,000,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 639 Sw Riverwatch Pl, Stuart, FL?

639 Sw Riverwatch Pl, Stuart, FL has 3 bedrooms, 3 bathrooms, 2,668 square feet of living space and a 0.25-acre lot.

When was 639 Sw Riverwatch Pl, Stuart, FL built?

639 Sw Riverwatch Pl, Stuart, FL was built in 2022, making it 4 years old. The building has 1 story.

What schools serve 639 Sw Riverwatch Pl, Stuart, FL?

639 Sw Riverwatch Pl, Stuart, FL is assigned to Dr. David L. Anderson Middle School (middle), rated B-; Martin County High School (high), rated B-; J. D. Parker Elementary School (elementary), rated C-. All sit in Martin County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 639 Sw Riverwatch Pl, Stuart, FL compare to other homes in Stuart 34997?

Among the 20,063 homes in Stuart 34997, it is worth more than 95% of them ($1,036,619 against a typical $462,916), its price per square foot is higher than 93% of them ($389 against a typical $274), it is bigger than 88% of them (2,668 ft² against a typical 1,622 ft²), its lot is bigger than 63% of them (0.25 ac against a typical 0.18 ac) and it is newer than 97% of them (2022 against a typical 1988). Measured against all of Martin County, it is worth more than 86% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 639 Sw Riverwatch Pl, Stuart, FL?

The 2024 property tax bill for 639 Sw Riverwatch Pl, Stuart, FL was $10,005. The county assessed it at $640,789.

More homes on Sw Riverwatch Pl

Closest homes

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Assigned schools

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See this home in context

Open 639 Sw Riverwatch Plon TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

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