10650 Pine Needle Dr, Fort Pierce, FL 34945 Property Records

St. Lucie County property record for 10650 Pine Needle Dr, Fort Pierce, FL 34945

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,874 sqft · built 2005
Lot Size	1.01 acres (44,126 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Feb 2026)
Tax Bill	$6,651 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2321-802-0015-000-2`

Property Details

APN / Parcel Number

Primary APN	`2321-802-0015-000-2`
Alternative APN	`142331`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,874 sqft Living Area
Gross Area	6,330 sqft
1st Floor Area	3,874 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Metal
Lot Area	44,126 sqft (1.01 acres)
Garage Type	Attached
Garage Area	725 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	439 sqft
Deck Area	Deck Area
Patio Area	902 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	142331
Street Address	10650 PINE NEEDLE DR
City	FORT PIERCE
State	FL
Zip	34945-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2.5 - C
Legal Description	PINE HOLLOW-UNIT TWO- LOT 13 (1.013 AC) (OR 1849-920)
Legal Range	39E
Legal Township	35S
Legal Section	21
Legal Subdivision	PINE HOLLOW UNIT TWO
Legal Lot Number	13
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 2321-802-0015-000-2

Assessment roll updated December 8, 2025 · Last verified April 2026

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	10650 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 17, 2026	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Nov 24, 2003 · Amount on Record
Deed Document Number	20265584225
Deed Book / Page	5432 / 929
Record Updated	Jun 08, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	10650 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Transaction Type	Mortgage
Record Updated	Jul 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10650 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200

Mortgage

Document Number	0045511083
Date	Feb 08, 2021
Book Page	4551/1083
Instrument	4815178

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 01, 2036

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	10650 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Transaction Type	Mortgage
Record Updated	Jul 01, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10650 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200

Mortgage

Document Number	0049082475
Date	Oct 31, 2022
Book Page	4908/2475
Instrument	5115904

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Feb 17, 2026
Property Address	10650 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Document Number	0054320929
Book / Page	5432 / 929
Map Reference	MB 38 PG 10&10A
Instrument Date	Feb 13, 2026
Instrument	5584225
Transaction Type	Transfer
Record Updated	Jul 01, 2026
Title Company	K TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 437, COMO, CO 80432-0437

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10650 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200

Mortgage

Document Number	0005432931
Date	Feb 17, 2026
Instrument	5432/931

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2056

Tax Assessment & Valuation

Source: St. Lucie County records · Assessment roll updated December 8, 2025 · Last verified April 2026

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$370,111 (-46.28%)	$751,100 (+9.03%) Land $257,700 Building $493,400
2024	$6,651.00 (+1.96%)
2023	$6,523.00 (+4.69%) Additional exemption filed	$688,900 (+103.19%) Land $224,700 Building $464,200	$688,900 (+33.79%) Land $224,700 Building $464,200
2022	$6,231.00 Homeowner's exemption	$339,034	$514,900 Land $133,400 Building $381,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 47% of Florida
Wildfire Likelihood	0.3% annual chance
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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 50 locations within half a mile of this property.

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