123 Pepper Ln, Jensen Beach, FL 34957 Property Records

St. Lucie County property record for 123 Pepper Ln, Jensen Beach, FL 34957

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,729 sqft · built 1999
Lot Size	0.09 acres (3,948 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Aug 2024)
Tax Bill	$7,853 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4511-503-0017-000-7`

Property Details

APN / Parcel Number

Primary APN	`4511-503-0017-000-7`
Alternative APN	`134223`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,729 sqft Finished Area
1st Floor Area	1,729 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Concrete Tile
Lot Area	3,948 sqft (0.09 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	323 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	134223
Street Address	123 PEPPER LN
City	JENSEN BEACH
State	FL
Zip	34957-2572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED UN
Legal Description	BAY TREE LOT 11
Legal Range	41E
Legal Township	37S
Legal Section	11
Legal Subdivision	BAY TREE
Legal Lot Number	11
Jurisdiction	ST LUCIE FL
Township / Civil Division	HUTCHINSON ISLAND
Census Block Group	1
Census Block	1009
Census Tract	381702

Owner

123 Pepper Ln is owned by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	8 YORKSHIRE DR, TEWKSBURY, MA 01876-4559
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
Feb 8, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Oct 4, 2017	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2024 · Amount on File
Deed Sale	Aug 19, 2024 · Amount on File
Prior Sale	Feb 8, 2021 · Amount on File
Deed Document Number	5375466
Deed Book / Page	5193 / 2373
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Feb 8, 2021
Property Address	123 PEPPER LN, JENSEN BEACH, FL 34957-2572
Document Number	0045511449
Book / Page	4551 / 1449
Map Reference	MB 32 PG 1
Instrument Date	Feb 4, 2021
Instrument	4815271
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,667.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 PEPPER LN, 123, JENSEN BEACH, FL 34957-2572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 PEPPER LN, JENSEN BEACH, FL 34957-2572

Mortgage

Document Number	0045511452
Date	Feb 8, 2021
Instrument	4551/1452

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LUCIE FL
Recording Date	Oct 4, 2017
Property Address	123 PEPPER LN, JENSEN BEACH, FL 34957-2572
Document Number	0040481583
Book / Page	4048 / 1583
Map Reference	MB32 PG1&1A
Instrument Date	Sep 29, 2017
Instrument	4356122
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	SIGNATURE TITLE FLORIDA PART

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	132 PEPPER LN, 132, JENSEN BEACH, FL 34957-2572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 PEPPER LN, JENSEN BEACH, FL 34957-2572

Mortgage

Document Number	0004356123
Date	Oct 4, 2017
Instrument	4356123

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

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		$518,700	$518,700 Land $257,100 Building $261,600
2024	$7,853.00 (+1.93%)
2023	$7,704.00 (+3.83%) Additional exemption filed	$576,300 (+44.8%) Land $274,700 Building $301,600	$576,300 (+44.8%) Land $274,700 Building $301,600
2022	$7,420.00 Homeowner's exemption	$398,000 Land $177,700 Building $220,300	$398,000 Land $177,700 Building $220,300

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

Flood

FEMA maps place 123 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 123 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.

Nearby Properties on Pepper Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures