112 Pepper Ln, Jensen Beach, FL 34957 Property Records

St. Lucie County property record for 112 Pepper Ln, Jensen Beach, FL 34957

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,209 sqft · built 1993
Lot Size	0.089 acres (3,884 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Feb 2020)
Tax Bill	$8,461 (2024)
Deeds & Mortgages	May 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4511-503-0023-000-2`

Property Details

APN / Parcel Number

Primary APN	`4511-503-0023-000-2`
Alternative APN	`134229`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,209 sqft Living Area
Gross Area	2,948 sqft
1st Floor Area	1,452 sqft
Upper Floors Area	176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	3,884 sqft (0.089 acres)
Garage Type	Attached
Garage Area	416 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space
Porch	Screened Aluminum Porch
Porch Area	23 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	134229
Street Address	112 PEPPER LN
City	JENSEN BEACH
State	FL
Zip	34957-2572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	BAY TREE LOT 17
Legal Range	41E
Legal Township	37S
Legal Section	11
Legal Subdivision	BAY TREE
Legal Lot Number	17
Jurisdiction	ST LUCIE FL
Township / Civil Division	HUTCHINSON ISLAND
Census Block Group	1
Census Block	1009
Census Tract	381702

Owner

112 Pepper Ln is owned and occupied by two individuals who bought it in February 2020.

Source: St. Lucie County records, as of March 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	112 PEPPER LN, JENSEN BEACH, FL 34957-2572
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
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 21, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2020 · Amount on File
Deed Sale	Feb 21, 2020 · Amount on File
Prior Sale	May 12, 2006 · Amount on File
Deed Document Number	20204677942
Deed Book / Page	4386 / 953
Prior Transfer Date	Mar 12, 2009
Prior Transfer Doc	0030700083
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LUCIE FL
Property Address	112 PEPPER LN, JENSEN BEACH, FL 34957-2572
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046092139
Date	May 13, 2021
Book Page	4609/2139
Instrument	4862866

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Feb 21, 2020
Property Address	112 PEPPER LN, JENSEN BEACH, FL 34957-2572
Document Number	0043860953
Book / Page	004386 / 000953
Instrument Date	Feb 20, 2020
Instrument	4677942
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	112 PEPPER LN JENSEN BEACH FL 349572572, JENSEN BEACH, FL 34957-2572

Mortgage

Document Number	43860956
Date	Feb 21, 2020
Book Page	004386/000956
Instrument	4677943

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2050

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		$466,359	$615,300 Land $268,900 Building $346,400
2024	$8,461.00 (+1.9%)
2023	$8,303.00 (+3.71%) Additional exemption filed	$615,500 (+44.08%) Land $272,900 Building $342,600	$615,500 (+44.08%) Land $272,900 Building $342,600
2022	$8,006.00 Homeowner's exemption	$427,200 Land $176,600 Building $250,600	$427,200 Land $176,600 Building $250,600

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

Flood

FEMA maps place 112 Pepper Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 152 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	371 units insured incl. 219 condo units
Nearby Flood Claims	105 (1992–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Frances, Sep 2004 · 89 claims

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 112 Pepper Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FT. PIERCE UTILITIES AUTHORITY serves 58,000 people · EPA ID FL4560490
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Hotwire Communications.

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