10651 Pine Needle Dr, Fort Pierce, FL 34945 Property Records

St. Lucie County property record for 10651 Pine Needle Dr, Fort Pierce, FL 34945

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,316 sqft · built 2019
Lot Size	1.43 acres (62,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Jun 2017)
Tax Bill	$5,247 (2024)
Deeds & Mortgages	Nov 2018 Construction Loan Oct 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2321-802-0016-000-9`

Property Details

APN / Parcel Number

Primary APN	`2321-802-0016-000-9`
Alternative APN	`142332`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	3,616 sqft
1st Floor Area	2,316 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Metal
Lot Area	62,504 sqft (1.43 acres)
Garage Type	Attached
Garage Area	644 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	656 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	142332
Street Address	10651 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 14 (1.428 AC) (OR 4008-1665)
Legal Range	39E
Legal Township	35S
Legal Section	21
Legal Subdivision	PINE HOLLOW UNIT TWO
Legal Lot Number	14
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, as of March 19, 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 Record
Mailing Address	10651 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2018	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA
Oct 10, 2019	Loan Modification, Mortgage · Conventional Mortgage CENTERSTATE BK NA
Jun 15, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2017 · Amount on Record
Deed Sale	Jun 15, 2017 · Amount on Record
Prior Sale	May 29, 2009 · Amount on Record
Deed Document Number	20174319846
Deed Book / Page	4008 / 1665
Prior Transfer Date	Aug 23, 2011
Prior Transfer Doc	0033180451
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	10651 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041992424
Date	Nov 5, 2018
Book Page	4199/2424
Instrument	4498374

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Nov 1, 2049

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LUCIE FL
Property Address	10651 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Document Number	0043331839
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10651 PINE NEEDLE DR FORT PIERCE FL 349452200, FORT PIERCE, FL 34945-2200

Mortgage

Document Number	0043331839
Date	Oct 16, 2019
Book Page	004333/001839
Instrument	4629477

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Jun 15, 2017
Property Address	10651 PINE NEEDLE DR, FORT PIERCE, FL 34945-2200
Document Number	0040081665
Book / Page	004008 / 001665
Instrument Date	May 30, 2017
Instrument	4319846
Transaction Type	Transfer
Record Updated	Jul 25, 2017

Transaction

Amount	Amount Recorded
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5807 NW FALL FLOWER CT PORT ST LUCIE FL 349864191, PORT ST LUCIE, FL 34986-4191

Tax Assessment & Valuation

Source: St. Lucie County assessment roll, as of December 8, 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		$294,040 (-51.61%)	$647,200 (+6.52%) Land $260,600 Building $386,600
2024	$5,247.00 (+2.04%)
2023	$5,142.00 (+5.48%) Additional exemption filed	$607,600 (+125.58%) Land $227,300 Building $380,300	$607,600 (+37.25%) Land $227,300 Building $380,300
2022	$4,875.00 Homeowner's exemption	$269,352	$442,700 Land $135,000 Building $307,700

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

Flood

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 Record 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

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

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

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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