10648 Pine Cone Ln, Fort Pierce, FL 34945 Property Records

St. Lucie County property record for 10648 Pine Cone Ln, Fort Pierce, FL 34945

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,948 sqft · built 2020
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$78,900 (Dec 2017)
Tax Bill	$7,557 (2024)
Deeds & Mortgages	Sep 2021 Mortgage May 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2321-801-0013-000-5`

Property Details

APN / Parcel Number

Primary APN	`2321-801-0013-000-5`
Alternative APN	`127767`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,948 sqft Finished Area
1st Floor Area	2,948 sqft
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	Shingle
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	1,075 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	127767
Street Address	10648 PINE CONE LN
City	FORT PIERCE
State	FL
Zip	34945-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2.5 - C
Legal Description	PINE HOLLOW-UNIT ONE- LOT 13 (1.01 AC) (OR 4078-456)
Legal Range	39E
Legal Township	35S
Legal Section	21
Legal Subdivision	PINE HOLLOW UNIT ONE
Legal Lot Number	13 1
Jurisdiction	ST LUCIE FL
Township / Civil Division	WEST ST. LUCIE
Census Block Group	2
Census Block	2088
Census Tract	382202

Owner

10648 Pine Cone Ln is owned and occupied by two individuals who bought it in December 2017.

Source: St. Lucie County records, as of November 24, 2025

Owner of Record	2 Individual Names on File
Mailing Address	10648 PINE CONE LN, FORT PIERCE, FL 34945-2247
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
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
May 21, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA
Dec 21, 2017	Warranty Deed, Transfer STATE LUCIE TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2017 · Amount on File
Deed Sale	Dec 21, 2017 · Amount on File
Deed Document Number	4382950
Deed Book / Page	4078 / 0456
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	10648 PINE CONE LN, FORT PIERCE, FL 34945-2247
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10648 PINE CONE LN, FORT PIERCE, FL 34945-2247

Mortgage

Document Number	0046860605
Date	Sep 17, 2021
Book Page	4686/605
Instrument	4924794

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	10648 PINE CONE LN, FORT PIERCE, FL 34945-2247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042720490
Date	May 21, 2019
Book Page	4272/0490
Instrument	4570382

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Dec 21, 2017
Property Address	10648 PINE CONE LN, FORT PIERCE, FL 34945-2247
Document Number	0040780456
Book / Page	004078 / 000456
Instrument Date	Dec 19, 2017
Instrument	4382950
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	STATE LUCIE TITLE SERVICES INC

Transaction

Amount	Amount on Record
Tax	$552.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6017 NW WINFIELD DR PORT ST LUCIE FL 349863738, PORT ST LUCIE, FL 34986-3738

Tax Assessment & Valuation

Source: St. Lucie County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$418,832	$779,200 Land $234,100 Building $545,100
2024	$7,557.00 (+12.49%)
2023	$6,718.00 (+4.63%) Additional exemption filed	$680,000 (+94.96%) Land $204,100 Building $475,900	$680,000 (+32.79%) Land $204,100 Building $475,900
2022	$6,421.00 Homeowner's exemption	$348,789	$512,100 Land $127,100 Building $385,000

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

Flood

FEMA maps place 10648 Pine Cone Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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 10648 Pine Cone Ln is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless · DSL	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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