10603 Pine Needle Dr, Fort Pierce, FL 34945 Property Records

St. Lucie County property record for 10603 Pine Needle Dr, Fort Pierce, FL 34945 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,513 sqft · built 2020
Lot Size	1.05 acres (45,869 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Feb 2018)
Tax Bill	$6,215 (2024)
Deeds & Mortgages	Oct 2019 Construction Loan Oct 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2321-802-0028-000-6`

Property Details

APN / Parcel Number

Primary APN	`2321-802-0028-000-6`
Alternative APN	`142344`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,513 sqft Finished Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	45,869 sqft (1.05 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	142344
Street Address	10603 PINE NEEDLE DR
City	FORT PIERCE
State	FL
Zip	34945-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE HOLLOW-UNIT TWO- LOT 26 (1.053 AC) (OR 4095-2949)
Legal Range	39E
Legal Township	35S
Legal Section	21
Legal Subdivision	PINE HOLLOW UNIT TWO
Legal Lot Number	26 1
Jurisdiction	ST LUCIE FL
Township / Civil Division	WEST ST. LUCIE
Census Block Group	2
Census Block	2088
Census Tract	382202

Owner

Source: St. Lucie County records · APN 2321-802-0028-000-6

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	10603 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA
Oct 30, 2020	Loan Modification, Mortgage · Line of Credit SOUTH ST BK
Feb 09, 2018	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 09, 2018 · Amount on Record
Deed Sale	Feb 09, 2018 · Amount on Record
Prior Sale	Mar 12, 2004 · Amount on Record
Deed Document Number	4399863
Deed Book / Page	4095 / 2949
Record Updated	Jun 08, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	10603 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Transaction Type	Mortgage
Record Updated	Jan 11, 2022
Title Company	ST LUCIE TITLE SERVIES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043351349
Date	Oct 21, 2019
Book Page	4335/1349
Instrument	4631485

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 01, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LUCIE FL
Property Address	10603 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Document Number	0045072581
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10603 PINE NEEDLE DR FORT PIERCE FL 349452200, FORT PIERCE, FL 34945-2200

Mortgage

Document Number	0045072581
Date	Nov 13, 2020
Book Page	004507/002581
Instrument	4780222

Lender

Name	SOUTH ST BK
Type	Bank
Address	BARTOW, FL 33831

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

Interest

Rate Type	Adjustable Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Feb 09, 2018
Property Address	10603 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Document Number	0040952949
Book / Page	004095 / 002949
Instrument Date	Feb 02, 2018
Instrument	4399863
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5696 NW WHITECAP RD PORT ST LUCIE FL 349863619, PORT ST LUCIE, FL 34986-3619

Tax Assessment & Valuation

Source: St. Lucie County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	St. Lucie County
Unified School District	St. Lucie County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$367,371 (-43.19%)	$710,300 (+9.83%) Land $238,100 Building $472,200
2024	$6,215.00 (+2.09%)
2023	$6,088.00 (+3.15%) Additional exemption filed	$646,700 (+92.17%) Land $207,800 Building $438,900	$646,700 (+32.14%) Land $207,800 Building $438,900
2022	$5,902.00 Homeowner's exemption	$336,525	$489,400 Land $129,400 Building $360,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Lucie County (12111C), updated October 15, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121113822022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 25 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

Wildfire

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	About 1 in 298 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 31 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Fiber	2,000 / 2,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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